Digital Engagement Platform | Intellect Design

Industry Overview

Banking and Financial industry is changing rapidly. Early successes in Open Finance & Ecosystems are setting the stage for a more integrated financial ecosystem. The need for scalability, the high costs of infrastructure, and regulatory acceptance are driving banks towards cloud solutions that promise more agility, efficiency, and responsiveness. Constantly evolving regulations are putting banks under pressure to invest in technologies that can rapidly adapt. Lastly Environmental, Social, and Governance (ESG) considerations are no longer a niche concern but a primary driver for business decisions.

Challenges & Opportunities

While enabling banks and financial institutions, these evolving trends also present the formidable challenge of legacy systems, which hampers their ability to swiftly innovate and scale on demand.

Banks and financial institutions looking to provide a contextual digital engagement to their customers must invest in a unified, API & microservices-based, codeless architecture with Cloud-native, Open Finance marketplace integrations for retail, SME & corporate customers . This type of architecture helps organizations go to market quickly and scale on demand. Organizations must also relook at back-office journeys across branches, operations, sales teams, agents, merchants and business teams and make them as seamless and intuitive as possible.

The Intellect Promise

Intellect promises financial institutions the most comprehensive, Codeless Open Finance enabled digital banking platform. The eMACH.ai Digital Engagement Platform (eMACH.ai DEP) comes with the best of both worlds –

Comprehensive user journeys that elevate the lifestyle of the bank’s Retail, SME and Corporate customers by providing contextual experience across their lifecycle (acquisition, engagement and retention)
Ability to adapt existing experiences or build new ones from scratch in a no-code manner.

eMACH.ai architecture

Multi-lingual support, multi-tenancy and tenancy awareness to support regional requirements

Easy creation of UI/UX with tools for UI Building, API orchestration, workflow configuration

Data-driven insights & native AI/ML to understand the customer better and make informed decisions.

No code platform with reusable Business Rules, Workflows, APIs to design contextual solution

Partners Ecosystem & Open Finance Marketplace with readily available integration APIs for partners from sectors like ecommerce, fintech, telecom, entertainment etc.

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Highlights

Product Highlights

Retail Banks:

eMACH.ai DEP offers comprehensive experiences seamlessly stitched across the entire customer lifecycle – from acquisition to retention to engagement while giving banks complete flexibility to build new engagement. With DEP’s persona-based UI/UX, every customer can enjoy a personalized and intuitive interface, making banking enjoyable.

Open an account in 3 minutes with minimal typing, digital liveness check, AI based document verification and KYC.
Digital and hassle-free lending through innovative offerings like Flexi credits/Micro Credits/BNPL. Offer loans in a few clicks with Online real-time credit evaluation.
Engage the next generation by enabling the parents to inculcate good financial habits for their children on the kids app.
Enable customers to manage their finances better by analysing spends and track savings for each goal.
Curate experiences ranging from travel to food, entertainment and more in the same app and earn rewards for usage
eMACH.ai DEP comes with an inbuilt ESG calculator which calculates the carbon footprint. Customers can offset carbon footprint in 1 click.

eMACH.ai DEP for SME & Corporate Customers:

Digital Engagement Platform (DEP) designed specifically for SME banks empowers banks with comprehensive digital solutions that will transform the way SMEs bank.

Gen AI based onboarding with real-time automated processes like Capture of Customer details (NFC/OCR), Document scanning, KYC Check & AML Validation, Risk Rating computation, Partner & member validation and Risk categorization.
Digital loan origination process lets your customers select the type of loan, enter loan details, verify signature, upload loan relevant documents and present the details to the reviewer for quick approvals.
Comprehensive information of the portfolio to the customer ranging from single view of all accounts and consolidated balance across multiple banks, geographies and currencies
eMACH.ai DEP’s payment module supports bulk payments, bill payments, card payments, payroll and more. The comprehensive module comes loaded with features like Self Authorization for SME customers, Payment Pre Processing, Payment Trend Analysis and FX Handling.
eMACH.ai DEP offers trade finance workflow system which facilitates end-to-end processing of transactions

eMACH.ai DEP for IT Team

Drag & Drop UI Designer helps developers create apps with Omni-Channel user experiences. App Development studio for API creation & Management, documentation and publishing
Design, build, test, secure, manage and retire APIs using one platform
Test complex business flows that span across multiple disparate systems, on-the-fly using an advanced orchestration engine and a runtime debugger
Connect multiple applications using out-of-the-box integration tools

eMACH.ai DEP for Bank-Wide Digital Transformation

eMACH.ai DEP not only creates engaging customer experiences but empowers your entire organization from Branch to operations, developers and sales partners. The branch and RM portal has innovative features like Zero waiting time with context-enabled appointment booking, 360° relationship view with past interaction summary suggested products and branch on the move.

Enable the operations team by automating processes like eKYC, alerts and event-based triggers. Role-based dashboards and logs of requests help banks service customers while ensuring security. Create 360° campaigns with pre-built ad templates and a campaign manager. The innovative partner portal helps agents and merchants acquire customers, track application status and service customers

Retail Banks

SME

Testimonial

Success Stories

Keeping the customer at the center .

Hassan Hussein

Chairman, El Taamir

Intellect has played a strategic role in digitalizing our lending operations. Their global expertise and world class product portfolio helps us provide a seamless and real time experience to our customers, the elimination of manual input and manual interpretation of each transaction and any human deviation from established policies and procedures. Today, Intellect has streamlined the complete process from the day the client walks-in to the time the loan is granted. This is a big achievement for us. The immediate visible benefit is that we have been able to reduce processing time by half and are in a position to roll out new products very quickly to our customers.

John Bell

CEO, Khan Bank

We have chosen Intellect Debt Management System to automate and centralise our operations across branches due to its strong functionalities, such as managing collections across various types of loans. The solution’s versatile parameterization ensures a high degree of suitability and flexibility for our business. We believe this implementation will ensure effective collection strategies for us and help build a high-performance organisation.

Hasan Unal

Deputy General Manager, Halk Bank

We have chosen Intellect to automate our Debt Management Processes. We found Intellect Debt Management solution to be functionally rich with faster implementation cycle and global best practices; this strong value proposition made this our compelling choice. We believe this transformation initiative will ensure effective collection strategies for us and deliver value-driven experience to our customers.

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