Intellect Design

Wholesale Banking

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Wholesale Banks

Where industry-aligned design enables you to help your customers better help their customers across industries

Deliver industry aligned, comprehensive, intelligent and compliant wholesale banking solutions across your portfolio of SME, Commercial and Corporate customer segments


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TRENDS

What’s Shaping the Future of Wholesale Banking

From Global Transaction Banking to Treasury and Lending wholesale banks aspire to deliver industry aligned contextual digital experiences across every corporate segment

Globalization to Regionalization

Resilience through Regionalization — wholesale banks optimizing local markets while managing global flows.

Geopolitical Stability

Navigating a Fragmented World — cross-border trade, payments and risk redefined for corporate clients.

AI-Driven Decisioning

Intelligence at Every Turn — AI-first by design, not an afterthought, but the intelligence powering every treasury, trade and lending decision

Challenges

The Pressures Facing Wholesale Banks

Legacy platforms, fragmented systems, and rising regulatory complexity are limiting agility, increasing costs, and making it harder for banks to scale and innovate across global operations.

1

Legacy Systems

Multiple disconnected platforms and solutions for payments, liquidity, receivables, trade finance, treasury and lending lead to inefficiencies and high operational costs

2

Industry Specific Engagement

Different industries (real estate, healthcare, e-commerce, airlines,  lifestyle, manufacturing, etc.) have unique workflows and expectations requiring tailored and industry sector-aligned solutions

3

Cross-Border & Multi-Currency

Handling foreign exchange, multi-currency settlements and correspondent banking relationships is operationally heavy and error-prone leading to high cost of operations and impacting client engagements.

4

Slow Innovation

Replace rigid, monolithic systems with a composable architecture built for flexibility, adaptability, and scale, allowing for the seamless integration of AI and cloud-native solutions.

5

Operational & Cost Efficiency

Manual reconciliations, approvals and reporting increase risk and operational cost while limiting scalability.

6

Data & Insight Generation

Overcome data fragmentation to deliver real impact available in real time, enabling instant, AI-driven decision-making for your corporate clients.

Our Products

Powering End-to-End Wholesale Banking Transformation via eMACH.ai the one platform designed to transform the industry across every financial services segment

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Corporate Core Banking

Comprehensive core platform designed for complex corporate banking operations.

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SME, Corporate Originations

Streamlined onboarding and credit origination for SME and corporate customers.

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SME, Corporate Loan Management

Robust loan lifecycle management for structured, complex, and corporate credit.

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Corporate Cards

Flexible platform for managing corporate cards, limits, controls, and spend insights.

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Digital Engagement for Corporates

End-to-end digital banking tailored for corporate financial workflows.

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Liquidity Management

Real-time liquidity visibility and optimization across accounts and entities.

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Payments

Centralized, high-performance engine connecting all payment rails and channels.

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Receivables & Collections

Automated receivables, reconciliation, and cash application for faster cash flow.

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Virtual Accounts Management

End-to-end virtual account lifecycle for automated receivables and smart cash routing.

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Escrow Deposits

Secure, compliant escrow management for payments, settlements, and custody.

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Trade Finance

Comprehensive processing for guarantees, letters of credit, collections, and trade loans.

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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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Custody

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

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Treasury

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

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