EMACH.ai Open Source Finance Platform

 What Emach.ai Offers

1. An AI‑Driven, Open Finance Platform

Emach.ai is built using “first principles thinking” and delivers a composable, API-first, event-driven, microservices-based platform.

It includes over 329 microservices, 1,757 APIs, and 535 events, allowing banks to build customized solutions across customer segments—from retail and SME to corporate and HNI clients.  

2. Customer-Centric Architecture

Designed as a headless, cloud-native ecosystem that supports seamless integration with existing core banking systems, fintech partners, third-party services, and regulatory infrastructure.  

Focused on delivering personalized financial journeys across acquisition, engagement, up-selling, and retention via embedded AI for intelligent codeless personalization.  

3. Modular Solutions for Financial Institutions

Emach.ai offers several key modules:

eMACH.ai Sigma: A reporting and analytics tool enabling business users without technical expertise to create and customize dashboards and reports on the fly. It features scheduling, filtering, merging multiple reports, and exporting in various formats.  

eMACH.ai Lending (iKredit360): A comprehensive credit platform that supports omnichannel lending workflows—from origination and servicing to fraud and loyalty management—across retail, corporate, SME, and agri-business.  

eMACH.ai DEP (Digital Engagement Platform): A tool to enhance customer engagement by creating codeless digital journeys with AI-powered personalization, scalable cloud-native infrastructure, and seamless integration.  

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​ Why Banks Use It

Scalable & Agile Architecture: Its microservices and APIs allow rapid deployment, enhancement, and integration without disrupting legacy systems.  

Embedded AI: Helps automate fraud detection, personalize customer service, and provide predictive insights.  

Enterprise-Grade Security: Designed with banking-level security controls to meet regulatory and compliance requirements.  

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​ In Summary

Emach.ai is marketed as one of the world’s most comprehensive open finance platforms, enabling banks to operate future-ready, customer-focused services by combining AI, API-first architecture, event-based design, and modularity . Its primary modules—Sigma, Lending (iKredit360), and Digital Engagement Platform—address financial reporting, credit lifecycle, and customer engagement respectively.