eMACH.ai DEP

Retail Banking

Drive superior experience for Retail customers across their lifecycle with eMACH.ai Digital Engagement Platform

The Most Comprehensive Retail Digital Banking Engagement Suite

With the eMACH.ai Digital Engagement Platform (DEP) , banks can offer a highly personalized experience across acquisition, engagement and retention for Retail Banking customers. The platform reduces redundancies and makes banking fun through seamless journeys, gamification and loyalty and rewards programs built across products. Alongside the platform, empowers your employees to design better journeys in a codeless manner and service Retail Banking customers better. The Open Finance enabled platform allows banks to expand their retail market share by collaborating with Fintechs, eCommerce and more.

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338M Accounts

180M Customers

91B Transactions Per Year

Key Platforms Features

Unified platform for Retail, SME
& Corporate customers
across Acquisition,
Engagement and Retention

Composable UI/UX layer
for unique design and
seamless user experience

API-enabled, Cloud Native,
Microservices-based platform
with AI models (eMACH.ai)
for intelligent solutions

Codeless platform to Buy,
Adapt & Build user journeys

Jumpstart with
Our Comprehensive
Offerings

Current &
Saving Account

Lending

Deposits

Trade Finance

Cards

Digital Banking

Payments

Treasury

Proudly Serving
the Industry

Core Capabilities of eMACH.ai DEP for Retail Banks

Digital Onboarding

Digital Lending

Family Banking

Personal Finance Management

Ecommerce Marketplace

Greenification

Fully Composable
Microservices
Architecture

Event-Driven Architecture for real-time decision-making.

API-first integrations with fintech ecosystems using iTurmeric SDK.

Modular Microservices for flexible scalability.

Why Choose
eMACH.ai?

Onboard Customers in Under 3 Minutes

Enable customers to open an account from the comfort of their homes through partner digital channels
Estimate customer’s income leveraging AI/ML-based models, ensuring swift pre-approvals and reduced NPA risks
Instant and paperless KYC completion through Video and Biometric modes facilitated by real time integration with Company Registry and other National Registries

Expand your boundaries by collaborating with partners

Open Finance enabled Available on BAAS and BAAP
Leverage a comprehensive marketplace to collaborate and accelerate business growth eiciently
Seamless integration with ready APIs through i-Turmeric – Enterprise Integration SDK Tool

What Our Clients Say

Adnan Al Awadhi

CEO, National Bank of Umm Al Qaiwain

Transforming digital experience for our retail, SME and corporate customers was critical for us in order to grow quickly. We were looking for a platform which allows us to reach new customers through a world-class experience. We were impressed by DEP’s capabilities and the team’s long-term partnership-based approach.

Asian Banker

The winning institution implemented a new platform that enabled AI-based customer onboarding within three minutes, as well as omnichannel experience with customised offers. This improved the bank’s wallet share by 20%. Product holding per customer increased by 80% while the cost of ownership dropped by 60%. The time to launch a new product was reduced from four months to two weeks, and the service fulfilment steps for customers was reduced by 50%, resulting in improved engagement. For these achievements, the award for Best Omnichannel Technology Implementation goes to Co-operative Bank of Kenya and Intellect Global Consumer Banking.

Wendy Murphy

CTO, Vancity

At Vancity, we have been searching for the right partner to help us revolutionise our digital platforms and enable us to deliver our impact-focused, values-driven products and services to our members through a modern, intuitive and seamless digital experience. We feel we’ve found the right partner in Intellect Design Arena, and a technology partner that understands our needs and will enable us to deliver on our commitment to meet and exceed our member expectations.”

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FAQs

What is Digital Core Banking, and how does it work?

Digital Core Banking is a cloud-native platform that modernizes traditional banking operations. It enables real-time transactions, integrates with fintech ecosystems, and delivers personalized customer experiences using AI.

Why should banks upgrade to a digital core banking platform?

Upgrading helps banks improve scalability, speed up product launches, enhance compliance with regulations, and meet evolving customer expectations for seamless banking experiences.

How does Digital Core Banking support Open Banking initiatives?

The platform is Open Banking-ready, offering secure APIs that enable banks to share data with third-party providers while adhering to standards like PSD2.

What industries can benefit from Digital Core Banking?

Digital Core Banking supports retail, corporate, and SME banking, making it versatile for banks serving diverse customer segments.

How does AI enhance Digital Core Banking systems?

AI drives features like predictive analytics, customer segmentation, fraud detection, and personalized banking, boosting efficiency and customer satisfaction.