Intellect Digital Core
Comprehensive core banking platform helping Banks grow business, improve customer experience and reduce risk
Ranked Number 1 in Retail Banking
In a rapidly evolving financial landscape, staying ahead requires a core banking platform that is as dynamic and innovative as your ambitions. Intellect Digital Core (IDC) is a unified platform meticulously designed for Retail, SME, and Commercial banks. IDC’s comprehensive product suite, built on a robust cloud-native microservices architecture, delivers unmatched scalability and flexibility, effortlessly adapting to meet the demands of an ever-changing market. Its Open Finance capabilities unlock access to country-specific marketplaces, ensuring global readiness. Seamless integration is paramount; IDC’s headless architecture ensures smooth interoperability with any digital banking platform, including iGCB’s own Digital banking platform, thereby future-proofing your operations.
IDC goes beyond traditional banking with embedded AI-driven customer journeys, making them more intuitive. This powerful combination allows your institution to deliver bespoke, innovative solutions tailored to the unique needs of modern clients.
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Modern Core, Limitless Possibilities
01
Accelerate Business Growth
High flexibility with a composable architecture and easy orchestration using API & Events
Reduce development costs through parameterization & customer extensibility kit
Configure new products with DIY Product Configurator & Product Templates
Drive efficiency with AI-based automated processes & rule-based STP
02
Improve Customer Experience
Integrate with digital banking and other systems to deliver personalised customer experience through Open APIs
Onboard new credit customers, disburse and manage loans digitally with a credit platform
Onboard customers and provide personalised experience through a unified Digital Engagement Platform
03
Reduce risk Focus
N-Tier Real-time General
Ledger
Experience faster go-to-market with minimal disruption in data migration
Comply with local regulations with a country-ready core banking platform
More control of implementation with on-site Intellect implementation team
Jumpstart with
Our Comprehensive
Offerings
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Current &
Saving Account
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Lending
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Deposits
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Trade Finance
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Cards
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Digital Banking
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Payments
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Treasury
Preferred Core Banking Platform for top banks globally
Built on the revolutionary eMACH.ai architecture
Microservices-based architecture with Composable processes, Business Components, Open Data Models and Open Services enabling agility
Scalable to Multi-cloud, multi-country, multi-entity, multi-branches, multi-lingual, and multi-currency
Composable Process Designer (iTurmeric ) enables the composability of heterogeneous business components across the ecosystem
Customization and Extensibility Kit allows customisation based on user roles
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Why Choose
eMACH.ai?
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Future-proof design
- Composable eMACH.ai architecture
- Open APIs allowing connected ecosystems
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Quick go-to-market
- Comprehensive coverage of business components
- Low code-no code composable process designer
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In-depth domain knowledge
- 325+ clients across 57+ countries
- Experienced leadership from tier 1 global banks
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Customer-centric culture
- Nimble & agile culture with an entrepreneurial mindset
- Commitment to joint innovation
- Long-term success partner mindset
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Higher ROI
- Adaptive commercial model
- Risk-sharing approach
What Our Clients Say
Transforming
Challenges into
Success Stories
Case Study: A leading bank in Zimbabwe partners with iGCB to transform Core Banking
100 business days
support over 11,500 transactions per second
200% increase in transaction processing capacity
Case Study: Utkarsh Small Finance Bank goes live with comprehensive core banking
Case Study: Driving Digital Transformation for a subsidiary of Santander UK
Case Study: Transforming Sonali Bank’s Core Banking
Award-Winning
Innovations
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Intellect Ranked No. 3 in Global Leadership – Geographic spread in IBSi Sales League Table 2024
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Intellect Ranked No. 2 among Regional Leaders in North America in IBSi Sales League Table 2024
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Ranked No. 1 Retail Core Banking in IBSi Sales League Table 2024
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IDC won DigiBank Ethiopia 2023 Awards for ‘Excellence in Customer Experience’ for Ahadu Bank implementation. Ahadu Bank won the Excellence in Digital Leadership award.
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iGCB’s Intellect Digital Core (IDC) won an XCelent award for ‘Advanced Technology’ and rated highly amongst Global Core Banking Platforms in Celent’s International ABC Analysis Report titled ‘Assessing the International Core Banking Systems Market’.
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Rated as a Leader in ‘The Forrester Wave Digital Banking Processing Platforms for Retail Banking, Q3 2022’
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Winner for Most Effective Digitization for Intellect Digital Core implementation at Janata Bank
Explore.
Learn.
Innovate.
FAQs
What are the key factors banks should consider while choosing IDC?
Banks should consider scalability and performance, speed to market, open ecosystem, domain & market expertise, delivery expertise & technology provider’s cultural fitment as some of the factors while choosing a core banking technology provider. IDC is a leader in core banking with proven expertise in all these metrics.
How does the IDC platform help reduce operational costs?
IDC achieves cost efficiency by:
● Automating workflows, reducing manual intervention, and improving accuracy.
● Leveraging rule-based engines for pricing, transaction monitoring, and credit origination.
● Offering a Pay-as-you-grow model, ensuring cost alignment with business scale.
Can IDC help with Open Banking compliance?
Yes, the platform is fully compliant with Open Banking and Open Finance standards. It provides extensive APIs that enable seamless integration with fintech partners, marketplaces, and third-party systems, ensuring banks can harness the power of an interconnected financial ecosystem.
How does IDC improve the customer experience?
IDC comes with a digital engagement platform which helps banks onboard customers digitally within minutes. The platform also helps banks provide all banking (loans, payments, deposits, investments), engagement (PFM, Loyalty, rewards) and beyond banking (ESG, wallets, SuperApp) all in one platform across channels.
How secure is the IDC platform?
IDC incorporates advanced security features, including:
● AI/ML-driven fraud detection for proactive risk management.
● Compliance with global regulatory standards, ensuring secure operations.
● Continuous monitoring and real-time alerts to mitigate risks effectively.