eMACH.ai

Consumer Cards

Launch in 8 Weeks

A compliance-first, modular platform that streamlines customer acquisition, speeds decisioning, and delivers instant virtual issuance.

View Product Brochure

100+

Global Implementations

50+

Countries Served

99.9%

Platform Uptime

24/7

Digital services

Trends

The Credit Card Landscape in India is Being Reshaped

Design your onboarding to win

₹30.1T Card Payments Market in 2025

108M active cards by Dec 2024 (doubled from 54M in 2019). 430M transactions/month (↑31% YoY). Market growing at 9.4% in 2025, 11.5% CAGR through 2029.

80% Drop-Off Reduction with AI-powered vKYC

Video KYC cuts onboarding to <15 min (vs. weeks manual). Pre-call time reduced 7X. Live call <3 min (vs. 8-10 min avg). AI fraud detection with 20+ real-time checks.

65% Still Tier-1 but Tier 2/3 growing fast

Strong growth in Surat, Nashik, Kanpur. 561.6M Jan Dhan accounts enabling rural access. Need multilingual support (20+ languages). Only 5-6% population has credit card.

70%+ Prefer Rewards, Cashback/points essential

Co-branded cards (Amazon Pay ICICI, Flipkart Axis, Tata Neu HDFC) rapid growth. Banks collaborating with fintechs. Tokenization + embedded finance dominant. 30% more likely to purchase with cashback.

₹107Cr Cyber Fraud FY25 Q1-Q3 losses

1.8% default rate. ₹2.70 lakh crore outstanding (from ₹87,686Cr in 2019). Delinquencies >360 days: 1.3%→1.7%. RBI tightening norms. AI fraud detection central.

CHALLENGES

Banks and issuers face frictions across the onboarding funnel

We tackle the top 5

1

High drop-off in Digital Applications

Customers abandon when journeys feel long, repetitive, confusing
Manual KYC took several weeks, causing midway abandonment
Digital KYC, vKYC, live selfies, OCR checks – painful maze with no hand-holding
Especially problematic in Tier 2 & 3 cities

2

Slow Time to Market

Traditional vendor stacks require months to configure, test
Cannot launch co-branded partnerships quickly
Miss seasonal/festive launch windows
Slow response to market opportunities

3

Legacy System Integration

Most banks rely on older CBS, CMS, workflow engines
Integration complexity prevents modern overlay
Disruption risk when touching core systems
Vendor lock-in limiting innovation

4

Evolving Regulatory Compliance

RBI compliance updates, KYC/vKYC norms continuously evolving
Aadhaar masking, CKYC integration, consent architectures changing
AML/CFT regulations, PCI-DSS standards
Data privacy, localization requirements

OVERVIEW

Power your card business with an intelligent, future-ready CMS & onboarding engine future-ready CMS & onboarding engine

A future-ready card management &
onboarding platform
A modern, modular system that helps banks, fintechs, and partners build, launch, and scale differentiated card programs with speed, security, and intelligence.

Next-Gen Card Platform

Optimized for real-time controls, advanced security, and configurable card experiences.

1

Real-Time Controls

2

Smart Integrations

3

Configurable Journeys

4

Enterprise-Grade Security Card Platform Central Intelligence Hub Loan Products Core Capabilities Personalization
Layer Ecosystem
Integrations Customer
Segments Capabilities

Six Core Capabilities Transforming Card Onboarding & Management

Instand Digital Onboarding

Complete KYC <15 min
Pre-call form-filling reduced 7X
Live call <3 min
Multi-lingual with live AI translation
Low-bandwidth for Tier 2/3 cities
Compatible 10,000+ devices
Aadhaar e-KYC, PAN, face match, liveness detection

Low-code Decisioning

Pre-configured workflows for RBI KYC/vKYC guidance
PCI-DSS standards support
Aadhaar masking compliance
CKYC integration, consent frameworks
AML/CFT regulatory reporting

Instant Virtual Issuance

Provision virtual cards immediately upon approval
Tokenization for digital wallets
Near-instant activation vs. days/weeks physical delivery
Support contactless payments
RuPay credit via UPI integration

Real-time Fraud & Risk

AI fraud detection 20+ real-time checks during onboarding
Deepfake, spoof detection
PAN–Aadhaar matching with tamper detection
Face match, liveness detection
Behavioral analytics, device signatures
Pattern recognition, adaptive authentication

RBI Compliance Regulatory

Pre-configured workflows for RBI KYC/vKYC guidance
PCI-DSS standards support
Aadhaar masking compliance
CKYC integration, consent frameworks
AML/CFT regulatory reporting

Hyper Personalisation

Configurable spend limits, merchant category controls
Geolocation restrictions, travel mode
Dynamic rewards logic
Behavioral insights, spending pattern analytics
Personalized nudges for activation, first spend
Real-time application status visibility
Funnel analysis identifying drop-off stages

Complete KYC <15 min
Pre-call form-filling reduced 7X
Live call <3 min
Multi-lingual with live AI translation
Low-bandwidth for Tier 2/3 cities
Compatible 10,000+ devices
Aadhaar e-KYC, PAN, face match, liveness detection

Pre-configured workflows for RBI KYC/vKYC guidance
PCI-DSS standards support
Aadhaar masking compliance
CKYC integration, consent frameworks
AML/CFT regulatory reporting

Provision virtual cards immediately upon approval
Tokenization for digital wallets
Near-instant activation vs. days/weeks physical delivery
Support contactless payments
RuPay credit via UPI integration

AI fraud detection 20+ real-time checks during onboarding
Deepfake, spoof detection
PAN–Aadhaar matching with tamper detection
Face match, liveness detection
Behavioral analytics, device signatures
Pattern recognition, adaptive authentication

Pre-configured workflows for RBI KYC/vKYC guidance
PCI-DSS standards support
Aadhaar masking compliance
CKYC integration, consent frameworks
AML/CFT regulatory reporting

Configurable spend limits, merchant category controls
Geolocation restrictions, travel mode
Dynamic rewards logic
Behavioral insights, spending pattern analytics
Personalized nudges for activation, first spend
Real-time application status visibility
Funnel analysis identifying drop-off stages

[elementor-template id=”1023367″] KEY DIFFERENTIATORS

Why Transformative Issuers Choose Our Card Management Platform?

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Real-Time, Not Batch

Every capability operates in real time. Low-latency decisions for 430M monthly transactions. Seamless experiences during peak demand. Always-on performance, dependable uptime. Ready for instant payment rails, UPI credit integration.

Intelligence-First

Intelligence at foundation, not bolted on. Every transaction/event evaluated by unified risk engine. Behavioral analytics, device signatures, pattern recognition. Reduces false positives, enables adaptive authentication. AI-driven personalization shapes offerings.

Built for India

RBI-compliant KYC/vKYC pre-configured (not generic global platform). Multi-lingual with live AI translation (20+ languages). Low-bandwidth optimization for Tier 2/3 cities. Aadhaar, PAN, CKYC integration native. Support 10,000+ devices including budget smartphones.

Modular & Composable

Deploy full stack or individual modules. Plug-and-play on legacy CBS/CMS. Vendor-agnostic – use your own or ours. API-driven for rapid integration. Launch programs 8-10 weeks vs. months.

Proven at Scale

Powers 28% of India’s credit card originations. #1 Indian-headquartered processor. Top-3 global CMS provider. Tier-1 banks, fintechs, co-brand partners. Trusted across India, Southeast Asia, Middle East, Latin America.

Compliance Without Compromise

Every decision traceable, understandable, reviewable. Explainability, auditability meet global standards. AI logs every action for compliance review. Automation and compliance work together. Future-proof for evolving RBI, PCI-DSS, AML/CFT.

Customer Experience Excellence

Recognized by industry leaders for digital experience. DBS Card+: Silver MobEx Awards (11th Edition). Most Effective Credit Card App: Silver IDMA 2023. Best Mobile Banking App: Global Brands 2023. Not just processing – elevating digital experiences. DIGITal Experts

AI-First Reimagination Of
The Lending Lifecycle

Transform credit operations with embedded intelligence

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts

1. Unstructured application sourcing
2. Document extraction
3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts

1. Unstructured application sourcing
2. Document extraction
3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts

1. Unstructured application sourcing
2. Document extraction
3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

Digital Experts

1. Unstructured application sourcing
2. Document extraction
3. RM and Customer Assistant

60%

Less manual entry

85%

Data Accuracy

3X

Faster Processing

Intelligence

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Customer Success Stories

Delivering Tangible Impact Across Global Banks

Bank A

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Bank B

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Bank C

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Awards and Recognition

Recognized Excellence

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Insights

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Insights contextual to only this solution/product from the Insights repository

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FAQs Frequently Asked Questions

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