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Scale Your Supply Chain Finance Business With Dynamic Discounting

"Over the past decade, dynamic discounting has quietly grown into a multi-billion-dollar success, as fintechs addressed key gaps in this traditional form of Supply Chain Finance. While trends like blockchain drew headlines, dynamic discounting gained traction—with banks now joining in. This document explores its evolution and future potential."

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Scale Your Supply Chain Finance Business with Dynamic Discounting

Boost working capital returns. Empower corporate buyers. Strengthen supplier ecosystems.

Dynamic Discounting is reshaping Supply Chain Finance, offering higher returns than deposits simply by paying suppliers earlier. But traditional models lack flexibility and scale.

eMACH.ai iColumbus enables banks to lead this transformation with a hybrid, AI-powered SCF platform built for today’s treasury, procurement, and supplier needs.

Why Choose eMACH.ai SCF's for Dynamic Discounting Solution?

Fund early payments via buyer cash or bank credit. Mix & match to maximise adoption.

Offers configurable slab-based discounts, letting suppliers choose early payment terms based on their liquidity needs.

Seamless ERP, fintech, and payment system integration.

Embedded AI automates invoice/PO data extraction, customer service via chatbots, and early warning signals.

eMACH.ai SCF solution is a key part of Intellect’s wholesale banking solutions, trusted by 325 banks across 57 countries.

Turn eMACH.ai SCF into a Competitive Edge

Drive Revenue Growth, Boost Buyer Margins, and Enhance Supplier Relationships—All Without the Burden of Outdated Systems.

Access the Exclusive Whitepaper Now

Transform Static eMACH.ai SCF into a Strategic Advantage

Unlock new revenue, improve buyer margins, and serve suppliers better—without the overhead of legacy systems.

Access the Exclusive Whitepaper Now

The World’s Best Front-to-Back, Enterprise-Grade, Industry-Aligned, AI-Embedded, Comprehensive Supply Chain Finance Solution Integrated with Trade

Intellect’s eMACH.ai SCF is the world’s top-rated SCF solution, recognized for the strength of its offering. The AI-enabled platform integrates seamlessly with Intellect’s trade solution and delivers an unparalleled breadth of products and depth of functionality to power a bank’s SCF business.

Built on our eMACH.ai architecture, the SCF platform adopts an API-first, microservices-based approach, enabling banks to create their own signature solution. Its headless frontend architecture allows banks to offer multiple customer-facing experiences through fintech partners. The platform’s high configurability supports low-/no-code deployments, enabling rapid and scalable SCF program rollouts.

Supported products include: PO finance, Payable Finance, Receivables Finance, Dynamic Discounting, Dealer Finance. The platform support pre to post and post to post finance conversions

Key capabilities include:

Onboarding

Self-onboarding capability for anchors to onboard counterparties

Instrument Lifecycle

End-to-end management from PO creation to payment

Finance Lifecycle

Back-dated settlements, rule-based fund applications, accounting, and delinquency management

Limit Management

Hierarchical, multi-dimensional limit setting across currencies, industries, entities, and anchor groups

Risk Participation

Dedicated module for buying and selling SCF and trade assets

Multi-currency

to grow bank’s international SCF business; enables disbursement, booking, settlement to be in different currencies

A key differentiator is our embedded AI capability. Kiri AI assesses supplier credibility and functions as an Early Warning System, while the Insights Agent provides contextual, natural language summaries and real-time analytics for program monitoring.

About the Author

Amit Maroo is the Global Head of Supply Chain Finance at Intellect Design Arena. He brings diverse experience from banks, fintechs, and large corporates, having launched SCF programs, built digital solutions, and advised on global SCF rollouts across 100+ countries. A firm believer in continuous improvement, Amit applies this mindset at work and beyond.
Amit MarooSVP, Global Head of Supply Chain Finance, Intellect Design Arena
Amit Maroo

Scale Your SCF Business With Dynamic Discounting

Have further questions? No problem; we are here for you.

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What is Dynamic Discounting?
Dynamic Discounting is a financing solution where buyers offer early payment to suppliers in exchange for a discount on the invoice. The discount varies based on the payment timing, offering flexibility to suppliers and optimising cash flow for buyers.

SCF automates the entire dynamic discounting process using Technology, from invoice management to payments. It supports flexible, slab-based discounting models, enhancing supplier engagement and optimising liquidity for buyers. The platform also integrates seamlessly with fintech solutions for a smoother operation.

 

SCF offers numerous advantages, including:

  • AI-driven automation for faster, more accurate processes.
  • Customisable discounting terms to meet diverse supplier needs.
  • Hybrid solutions that allow both buyer and bank-funded programs for maximum flexibility.
  • Seamless fintech integration to enhance operational efficiency.

Financial institutions, banks, and large corporations involved in supply chain finance can benefit from SCF. The solution is designed to cater to both buyers and suppliers, making it ideal for organisations looking to optimise their working capital while fostering stronger supplier relationships.

Have further questions? No problem; we are here for you.

Click Here to Schedule a demo

Contact us today to Unlock the Future of Cash Flow with Dynamic Discounting

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