First Abu Dhabi Bank (FAB) Implements Intellect’s eMACH.ai Lending Platform to Drive Digital Transformation.

Banking & Finance

In early 2025, First Abu Dhabi Bank (FAB) adopted Intellect Global Consumer Banking’s eMACH.ai Lending Platform, ushering in advanced digital lending capabilities with scalable microservices and AI-driven decisioning.


      - FAB’s eMACH.ai Lending Platform equips the bank with a composable, cloud-native architecture that supports diverse credit products—retail, SME, corporate, and agriculture—unifying origination, servicing, debt and collateral management under one system.

      - Leveraging the “Always On, Always Aware” design, the platform delivers 360-degree real-time customer insights, automates credit decisions, allows instant DIY product creation, and offers seamless APIs integration with fintechs and credit bureaus.

      - This digital transformation supports FAB's growth with scalable infrastructure, capable of handling 10 million+ accounts and thousands of transactions per second. It enhances efficiency, cuts costs, and sharpens risk management through real-time margin tracking and automated debt servicing.

Main Point :-   (i) eMACH.ai’s implementation at FAB follows its successful roll‐out in other regions: in the Middle East & Africa, the platform empowered retail and corporate banking institutions on a composable, event-driven fabric with 329 microservices and 1,757 APIs.

      (ii) Similar deployments include the National Bank of Fujairah, which digitized corporate banking via eMACH.ai, and leading South African banks leveraging the Digital Engagement Platform, highlighting global confidence in the technology.

(iii) FAB’s adoption of the eMACH.ai Lending Platform marks a pivotal step in the bank’s digital roadmap. This initiative strengthens its competitive edge, enabling faster product launches, deeper credit insights, and improved alignment with regional and global digital banking standards.

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