- Intellect
- Specialised Segments
- Non Banking Financial Companies
Non Banking Financial Companies
eMACH.ai Advantage for NBFCs
AI-first. Composable. Scalable. Compliant. Built to transform NBFCs into high-growth, digital-first lending powerhouses.
TRENDS
How eMACH.ai empowers NBFCs
eMACH.ai delivers an AI-first, composable, cloud-native platform designed to help NBFCs accelerate growth, strengthen compliance, improve portfolio quality, and expand financial access — while keeping operations lean and future-ready.
Strengthen Compliance & Adapt to Regulatory Change
- AI-led KYC/AML with real-time anomaly detection
- Explainable AI for responsible lending and regulatory audits
- Configurable policy engines to adapt to central banks reporting requirements
Deepen Credit Intelligence & Reduce Portfolio Risk
- Early warning systems using AI for delinquency prediction
- Fraud detection using behavioral and identity intelligence
- Automated scorecards and decisioning workflows
Lower Cost of Operations Through Automation
- Straight-through processing across onboarding, KYC, underwriting, and disbursement
- AI-led field-force automation for collections and servicing
- Digital Expert Agents for customer servicing, documentation, and case management
Challenges
The Pressures Reshaping Today’s NBFCs
1
Tightening Regulatory Oversight & Compliance Burden
- Stricter liquidity norms (LCR, ALM guidelines)
- Higher scrutiny on ownership, governance, and risk frameworks
- Enhanced KYC/AML and reporting requirements
2
Rising Credit Risk & Portfolio Quality Pressure
- Economic volatility affecting MSMEs
- Need for sharper underwriting and early warning systems
- Fraudulent loan applications and synthetic identities/li>
3
Competition from Banks & Fintechs
- Banks offering digital-first lending with lower rates
- Fintechs with faster onboarding and AI-led credit models
- Customer shifting to digital channels expecting instant decisioning
4
Legacy Systems & Slow Digital Transformation
- Limited automation in underwriting and collections
- Siloed systems with poor data visibility
- Difficulty launching new digital products quickly
Our Products
Discover the Products from the eMACH.ai Platform that we support for NBFCs
End-to-end solutions designed for the modern corporate banking landscape
