• Intellect
• Specialised Segments
• Non Banking Financial Companies

Non Banking Financial Companies

eMACH.ai Advantage for NBFCs

Deliver AI-first, composable, scalable and compliant solutions to NBFCs into high-growth, digital-first lending powerhouses.

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Challenges

The pressures reshaping today’s Non Banking Finance Companies

1

Tightening Regulatory Oversight & Compliance Burden

• Stricter liquidity norms (LCR, ALM guidelines)
• Higher scrutiny on ownership, governance, and risk frameworks
• Enhanced KYC / AML and reporting requirements

2

Rising Credit Risk & Portfolio Quality Pressure

• Economic volatility affecting MSMEs
• Need for sharper underwriting and early warning systems
• Fraudulent loan applications and synthetic identities/li>

3

Competition from Banks & Fintechs

• Banks offering digital-first lending with lower rates
• Fintechs with faster onboarding & AI-led credit models
• Customer shifting to digital channels expecting instant decisioning

4

Legacy Systems & Slow Digital Transformation

• Limited automation in underwriting and collections
• Siloed systems with poor data visibility
• Difficulty launching new digital products quickly due to legacy constraints

Our Products

Empower NBFCs to become high growth digital-first powerhouses

Explore our comprehensive product portfolio for Non Banking Finance Companies

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Consumer Core Banking

Modern, scalable core banking engine powering seamless retail banking operations.

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Consumer Originations

End-to-end digital onboarding and loan origination with instant decisioning.

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Consumer Loan Management

Full lifecycle management of retail loans—from disbursement to collections.

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Consumer Cards

Unified platform for issuing, managing, and servicing consumer credit and debit cards.

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Debt Collection

AI-led collections automation that improves recoveries and reduces delinquency.

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Digital Engagement for Consumers, SME

AI-driven omnichannel experiences that deepen customer engagement and self-service.

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Supply Chain FInance

End-to-end payables and receivables financing with multi-tier supply chain support.

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Brokerage

Multi-asset trading, order execution, and securities processing in one platform.

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Treasury

End-to-end treasury management covering liquidity, investments, funding, and ALM.

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Custody

Comprehensive custody management for safekeeping, settlement, and asset servicing.

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Wealth Management

Integrated platform for portfolio management, advisory, compliance, and client reporting.

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Wealth Management – RM Office

A smart, unified workspace empowering RMs with insights, portfolios, and client actions.

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