eMACH.ai

Collections & Receivables

Transform Receivables Into Revenue Velocity

End-to-end collections and receivables orchestration that turns cash trapped in AR into working capital—powered by AI, automation, and exceptional user experience.

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35+

Banks Trust our product

10.5M+

Daily transactions processed

95%

Automation Rate

32%

DSO Reduction

Trends

Reshaping Collections & Receivables

AI-Driven Predictive Collections

Machine learning algorithms now forecast payment behaviors with over 90% accuracy, enabling proactive collection strategies and personalized customer outreach.

Real-Time Payment Infrastructure

Transactions clearing in seconds rather than days. Modern payment rails enable instant settlement, dramatically improving cash flow velocity and reducing DSO.

Embedded Finance & Multi-Modal Collection

Customers expect payment flexibility across channels. Successful platforms integrate UPI, digital wallets, cards, and traditional methods in unified workflows.

Intelligent Reconciliation Automation

AI-powered invoice matching achieves 95% straight-through processing, eliminating manual data entry and reducing reconciliation time from hours to minutes.

Customer-Centric Collections Experience

Self-service portals transforming receivables from adversarial to collaborative. Transparent communication and flexible payment options improve satisfaction by 25%.

CHALLENGES

Challenges in Consumer Core Banking Solution.

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Challenges

Challenges in Consumer Core Banking Solution.

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Overview

A Modern, Composable Architecture Built for Intelligent Collections

This platform is built to give you a faster, smarter, and more effortless collections experience. Its composable architecture with 386 microservices lets you roll out new capabilities quickly, while persona-based dashboards provide the exact insights you need for your role.

With connectivity across 50+ touchpoints, it integrates smoothly into your existing ecosystem, and with 95% end-to-end automation, it takes care of everything from mandate setup to settlement with minimal manual intervention. The result: a collections engine that feels simpler, works harder, and adapts to your business instantly.

+40%

Client Coverage

80%

Faster Reviews

95%

STP Rate

95%

Adoption

Capabilities

Solution Capabilities

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Cash Collections

Multi-channel acceptance (OTC, Vendor, CDM, Lockbox)
Doorstep banking services
Correspondent banking network
Cash vaulting & secure handling
Automated lodgment & credit
Real-time MIS generation

Cheque Collections

CTS-based cheque clearing
MICR & image processing
Multi-location deposit
Return cheque management
Positive pay system integration
Cheque status tracking

NACH Direct Debit

E-NACH & Physical NACH support
AI-powered mandate extraction
Signature verification engine
Automated routing logic
Mandate lifecycle management
Real-time status updates

Electronic Collections

UPI & IMPS integration
NEFT/RTGS processing
Virtual payment addresses
QR code collections
Payment gateway integration
Settlement reconciliation

Digital Center

Self-service customer portal
Mobile-first collections app
WhatsApp & chatbot integration
Payment link generation
Digital statement delivery
Real-time notifications

Supporting Services

Customer communication engine
Collections analytics dashboard
Workflow automation
Exception management
Audit trail & compliance
24/7 system monitoring

COMPETITIVE ADVANTAGES

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Capabilities

Solution Capabilities

Cash Collections

Multi-channel acceptance (OTC, Vendor, CDM, Lockbox)
Doorstep banking services
Correspondent banking network
Cash vaulting & secure handling
Automated lodgment & credit
Real-time MIS generation

Cheque Collections

CTS-based cheque clearing
MICR & image processing
Multi-location deposit
Return cheque management
Positive pay system integration
Cheque status tracking

NACH Direct Debit

E-NACH & Physical NACH support
AI-powered mandate extraction
Signature verification engine
Automated routing logic
Mandate lifecycle management
Real-time status updates

Electronic Collections

UPI & IMPS integration
NEFT/RTGS processing
Virtual payment addresses
QR code collections
Payment gateway integration
Settlement reconciliation

Digital Center

Self-service customer portal
Mobile-first collections app
WhatsApp & chatbot integration
Payment link generation
Digital statement delivery
Real-time notifications

Supporting Services

Customer communication engine
Collections analytics dashboard
Workflow automation
Exception management
Audit trail & compliance
24/7 system monitoring

Key Differentiators