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eMACH.ai

iColumbus

Integrated Trade and
Supply Chain Finance Platform

Global Banks #winwitheMACH.ai iColumbus

A market leader in Trade & Supply Chain Finance

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User Journeys

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Microservices

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Introducing eMACH.ai iColumbus

The World’s First Fully Cloud-Native, AI-Embedded, End-to-End Integrated
Trade and Supply Chain Finance Solution

Industry Leading Functionalities Composed on eMACH.ai

Embedded AI

AI-Led Digitisation

Embedded AI driving Autonomous Operations & Cognitive Insights

microservices

Digital Partner Ecosystem

Curated from the world’s finest companies for compliance, analytics, and digitalization

Configurable, Low-Code Design with M-Aware Framework

Orchestrate product, programs and process workflows to suit your business needs

Sustainability

Sustainability

Green Finance, ESG linked pricing & Compliance

Risk Management & Distribution

Distribute Trade & SCF assets, manage risks with multi-tier limit management

Futuristic Technology

Microservices based, API-first design for a resilient, scalable & future proof solution

event driven

Modern, Contextual Front-End

“Build Your Own” UX for a rich, contextual and omni-channel experience

Embedded AI in eMACH.ai iColumbus Platform

Be One Step Ahead Of The User And Reduce Cognitive Load

Embedded AI Platform

Transaction Scrutiny Agents

Discrepancy check for documents against LC and SBLC | Workability check | Early Warning Signals (EWS)

Transaction Digitilisation Agent

Classification | Extraction | Sanction Data Preparation

Onboarding Agent

Client Profile Check | Credit Assessment | Digital Onboarding

ESG Agent

Compliance | ESG Linked pricing | ESG Linked limits | Green Financing

Insights Agents

Answer queries on transaction status fees/interest, maturity date and more. Provide trends and counterparty intelligence.

AML Agent

Perform AML check on transactions – Related party check | Counterparty profile screening | Hight Risk Goods | High Risk Jurisdiction | Line of Business and Good Match.

Embedded AI Platform

Transaction Scrutiny Agents

Discrepancy check for documents against LC and SBLC | Workability check | Early Warning Signals (EWS)

Transaction Digitilisation Agent

Classification | Extraction | Sanction Data Preparation

Onboarding Agent

Client Profile Check | Credit Assessment | Digital Onboarding

ESG Agent

Compliance | ESG Linked pricing | ESG Linked limits | Green Financing

Insights Agents

Answer queries on transaction status fees/interest, maturity date and more. Provide trends and counterparty intelligence.

AML Agent

Perform AML check on transactions – Related party check | Counterparty profile screening | Hight Risk Goods | High Risk Jurisdiction | Line of Business and Good Match.

Embedded AI Platform

onboarding_agent

Onboarding Agent

Client Profile Check | Credit Assessment | Digital Onboarding

Transaction Digitilisation Agent

Classification | Extraction | Sanction Data Preparation

ESG Agent

ESG Agent

Compliance | ESG Linked pricing | ESG Linked limits | Green Financing

transaction scrunity agent

Transaction Scrutiny Agents

Discrepancy check for documents against LC and SBLC | Workability check | Early Warning Signals (EWS)

AML AGENT

AML Agent

Perform AML check on transactions – Related party check | Counterparty profile screening | Hight Risk Goods | High Risk Jurisdiction | Line of Business and Good Match.

Insights Agent

Insights Agents

Answer queries on transaction status fees/interest, maturity date and more. Provide trends and counterparty intelligence.

Powered By

Built On:

Purple
Fabric

expert.ai

Create and manage your own Expert AI Agents

ma

Provider and Model Agnostic

ba

Balance Accuracy, Cost and Performance

Trusted and Traceable Intelligence

Governance

Governance and Security for AI

Modular

Modular and Scalable

Digital Partner Ecosystem

htc_global

Indian Regulatory Trade finance Compliance and Reporting TRRACS

coriolis

Analysis patterns, trends and changes in the trend landscape; generates ESG ratings

tradetek

Distribute trade risk in third party investors in capital market

conpend

Screen document for consistency and compliance

enigio

Digital negotiable instruments

lexisnexis

Risk Solutions/ Fraud Detection and compliance

ice

Support paperless trade

moneta

Detecting duplicate invoices as means of preventing frauds

coriolis

Analysis patterns, trends and changes in the trend landscape; generates ESG ratings

tradetek

Distribute trade risk in third party investors in capital market

conpend

Screen document for consistency and compliance

enigio

Digital negotiable instruments

miti

Multibank/ Mono bank RFQ platform

ice

Support paperless trade

MULTI-PLIER EFFECT : M-AWARE FRAMEWORK

Multi Country

True multi country solution
Flexible deployment model aligning

Multi Entity

True multi country solution
Flexible deployment model aligning

Multi Currency

True multi country solution
Flexible deployment model aligning

Multi Lingual

True multi country solution
Flexible deployment model aligning

Multi LOB

True multi country solution
Flexible deployment model aligning

Multi Segment

True multi country solution
Flexible deployment model aligning

Multi Country

True multi country solution
Flexible deployment model aligning

Multi Entity

True multi country solution
Flexible deployment model aligning

Multi Currency

True multi country solution
Flexible deployment model aligning

Multi Lingual

True multi country solution
Flexible deployment model aligning

Multi LOB

True multi country solution
Flexible deployment model aligning

Multi Segment

True multi country solution
Flexible deployment model aligning

eMACH.ai Trade Finance

IMPORT SERVICES

  • Import Letter of Credit
  • Bills under Import LC
  • Import Collections
  • Islamic Letter of Credit
  • Bills under Islamic LC
  • Islamic Import Collection

EXPORT SERVICES

  • Export Letter of Credit
  • Transfer LC
  • Bills under Export LC
  • Bills under Transfer LC
  • Export Collection
  • Islamic Export Collection

TRADE LOANS

  • Trust Receipt
  • Import Loan
  • Export Loan
  • Export Negotiation
  • Pre Shipment
  • FI Loans
  • Islamic Trade Loans

GUARANTEE / SBLC

  • Outward Bank Guarantee
  • Outward SBLC
  • Inward Bank Guarantee
  • Outward SBLC
  • Shipping Guarantee
  • Islamic SBLC/BG

OTHERS

  • Reimbursement
  • Risk Participation & Syndication
  • Delinquency management
  • Interest & Charges
  • Workflow management

eMACH.ai Supply Chain Finance (SCF)

PO / INVOICE
MANAGEMENT

  • PO Creation
  • Invoice Creation
  • PO/Invoice Acceptance/Amendment
  • Debit/Credit Notes
  • Invoice & payment recon

SELLER
CENTRIC FINANCE

  • Receivable/bill Discounting
  • Factoring
  • Loan against receivables
  • Distributor Financing
  • Pre Shipment Finance
  • Islamic SCF

BUYER
CENTRIC FINANCE

  • Payable Finance
  • Corporate Payment Undertaking
  • Dynamic Discounting
  • Advance PO
  • Islamic SCF

FINANCE
MANAGEMENT

  • Finance request
  • Settlements
  • Repayment appopriation
  • Insurance
  • Interest & Charges

OTHERS

  • Anchor self onboarding
  • Hierarchical, multi-dimensional limit management
  • Risk Participation & Syndication
  • Delinquency management
  • Workflow management

eMACH.ai Supply Chain Finance - Differentiated Features

Digital Engagement
Platform
Administration

Administration

  • Multi-level entitlement
  • User profiling - User access control at specific products, sub-products, functions, CIFs, account numbers, programs etc
  • User level limits on – total transaction amount for a day, number of transaction for a day etc
Onboarding

Onboarding

  • Counterparty onboarding workflows :
       a) Anchor led Onboarding – via file upload
       b) Bank led Onboarding
  • On approval – Email notification sent to a counterparty with URL & Credentials to initiate self onboarding
Instrument Creation Finance Initiation Finance Settlement Tenor Extension Reports & Alerts
Products SCF Product and Program Management Limit Management Instrument Lifecycle Finance Lifecycle Delinquency Management Exception Handling Reporting and Analytics
Pre-shipment Finance

Pre-shipment Finance

  • Caters Purchase order based financing for unfurnished goods.
  • Supports staggered financing (for e.g., 40% at PO, 80% at invoice creation, 100% at invoice acceptance).
  • Pre-shipment finance converts to Post-shipment finance automatically at invoice creation.
Product Creation
Hierarchical Limit

Hierarchical Limit

Centralized limit setup and real-time monitoring for a varied lines of business...
Interfacing with multiple systems…

Supports ‘n’ level in the limit hierarchy. Define limits and monitor exposure at various levels

  • Individual & Group limits
  • Funded (Term loan, WC loans) & Non funded (LC, BG, etc) limits
  • Temporary limits setup
  • Secured & Unsecured limits
  • Revolving or Fixed credit
  • Sanctioned & Drawing limits
  • Drawdown rules
  • Drawing power adjustment
PO Creation
Finance Request Auto/Manual

Finance Request Auto/Manual

  • Customizable rule engine consisting of various financing parameters ( e.g. min-max tenor, min-max amount, currency etc)
  • Define automation rules at program, anchor and counterparty level
Delinquency Classification via Bank’s System Multi-level Referral Setup
Alerts

Alerts

  • 400+ inbuilt alert events. Alerts can be configured at customer, counterparty and program level
  • Customer self-service to create alerts via email and sms
  • Supports multilingual SMS and Email alerts
Receivables Discounting
Relationship Management Anchor / Counterparty limits PO Amendment / Cancellation Finance Rate, Tenure Amendment Delinquency Classification in SCF Platform Credit Exception for Finance Request
Reports

Reports

  • 140+ out of the box reports that can be configured at customer, counterparty and program level.
  • Reports can be emailed daily, weekly, monthly, as configured.
Factoring
Counterparty Management Multi-entity limit
Invoice Creation

Invoice Creation

  • Short file format – Captures essential data( ex- Ref number, amount, Due date etc)
  • Long file format – Captures detail data (ex- Shipment details, Commodity details, Account details etc)
Back Dated Settlement

Back Dated Settlement

  • Supports Interest refund, reversal of interest accruals, principal and charges.
  • Allow waiver of interest refund.
Exception Handling for NPA Compliance Exception for Finance Request Correspondence / Advices
Bill Discounting
Recourse/ Non-recourse With / Without Recourse limit Invoice Amendment
Repayment

Repayment

  • Exact Match - Invoice reference number
  • Lump-sum payment - apply against invoice/finance using LIFO/FIFO and appropriation sequence (PICE, IPCE) as configured.
Appropriation Sequence for NPA

Appropriation Sequence for NPA

  • On repayment by NPA customer, system settles finances / invoices based on appropriation sequence configured (PICE / IPCE – Principal, interest, Charges, Penalty)
Overdue Exception (RM)
AI Insights

AI Insights

  • Provides insights of the program, buyer performance, Funds etc.
  • Invoice/PO/debit/credit note extraction, classification.
  • Early Warning Signals for the program, counterparty risks.
Loan Against Receivables
Multi-currency

Multi-currency

  • Support different currencies for invoices, disbursements, and settlements
  • Users can utilise forward contracts.
  • FX reporting for regulatory purposes
Revolving / Non-revolving limit Invoice Acceptance / Cancellation Risk Participation Accounting for NPA
SLA Management

SLA Management

  • User can configure SLA matrix for each product, operation and stage.
  • Matrix helps in defining, txn priority, escalation levels, user group for each level and duration of task.
  • SLA accounts branch holiday and cut-off time.
Payables Finance
Finance & Repayment Parameters

Finance & Repayment Parameters

  • Finance parameters – funding %, grace period, recourse period, recourse %, unaccepted invoice, unaccepted invoice %, disbursement modes.
  • Repayment parameter – repayment modes, auto-debit party on due date, auto-debit party after due date, auto-debit account.
Seasonal limit
Invoice & Credit, Debit note matching

Invoice & Credit, Debit note matching

  • Automates Credit note / Debit note matching with invoices using configured rules (FIFO, LIFO, SIFO, HIFO)
Future Dated Disbursement

Future Dated Disbursement

  • Create disbursement with future date, system auto processes disbursement on the scheduled date, posts account entries, processes payment.
  • If the date is a holiday, it processes on the last or next working day, as configured.
Write-offs Interface Exception Queue
Corporate Payment Undertaking
Eligible Commodities Real Time Monitoring Dispute Management Holiday Treatment Manual Adjustment
Dynamic Discounting

Dynamic Discounting

  • Offer creation/acceptance workflow between Seller and Buyer
  • Ability to define discounts based on the credit period slabs
  • Flexibility to either opt self funding or finance against the invoices.
GL Accounts, Nostro/ Vostro Limit Earmarking
Crystallization

Crystallization

  • Mitigates currency fluctuation risk by converting foreign currency finance into local currency on or after finance due date.
  • Post crystallization, system automates gl accounting, posting,interest,charges calculations, accrual/amortization, overdue etc.
Manual Adjustment
Loan Against Inventory
Charges/Interest

Charges/Interest

  • Configurable charges: fixed amount, fixed percentage, reference rate based, tier-based, periodic
  • Charge sharing, charge repricing, multi-currency charge application & settlement
Special Instructions

Special Instructions

  • Special Instructions(SI) mandates the Ops user to read/validate the data for the txn; eg- accounting entries, charges etc.
  • Bank can configure SI at customer, program and operation level.
Distribution Finance
Program Conversion

Program Conversion

For end-to-end working capital needs of the customers:-
  • Pre-shipment finance conversion to Post-shipment finance.
  • Post to Post finance conversion
Islamic SCF

Intellect’s SCF Solution: Industry Use Cases

INTRODUCTION TO SCF INDUSTRY USE CASES

In today’s global economy, businesses face unique challenges across industries. Intellect’s SCF solutions cater to stakeholders by integrating innovative financing models and technology. This presentation explores how these solutions transform supply chain financing:

  • Retail: Enhance supply chain control and timely payments with Payable Finance solutions, optimizing cash flow and supplier relationships.
  • Pharmaceutical: Ensure timely deliveries and maintain healthcare supply chains with Distributor Finance, minimizing risks and ensuring seamless payments.
  • Manufacturing: Convert orders to cash quickly and manage credit risks with Receivables and PO Financing.
  • Automobile: Enable VIN-level financing, automate repayment tracking, and manage invoices.
  • Construction: Leverage cash efficiently and maintain strong supplier networks with Dynamic Discounting.
retailer

RETAIL INDUSTRY

Business Demands & Solutions
  • Manage a Large Supplier Network
  • Finance across Supply Chain Lifecycle
  • Enhancing Liquidity in the Supply Chain
  • Manage High Volume of POs and Invoices
  • Manage Compliance with Regulations and Sustainability Goals
  • Leverage Fintech ecosystem
pharmaceutical

PHARMACEUTICAL INDUSTRY

Business Solutions
  • Access to Finance to all Distributors
  • Improve Participation in SCF Programs
  • Flexible Financing Options
  • Streamlining Compliance screening & Delinquency management
  • On Time Payments
manufacturing

MANUFACTURING INDUSTRY

Business Solutions
  • Product/Program Management
  • Compliance and Risk Management
  • Instrument Life Cycle
  • Reconciliation
  • Onboarding
automobile

AUTOMOBILE INDUSTRY

Business Solutions
  • Robust & Speedy onboarding
  • High participation in SCF programs
  • Finance request at VIN level
  • Efficient Compliance & Delinquency Management
  • Finance booking & Settlement at VIN level
construction

CONSTRUCTION INDUSTRY

Business Solutions
  • Manage a Large Supplier Network
  • Utilize anchor funds resulting in reduced COGS
  • Enhancing Liquidity in the Supply Chain
  • Manage High Volume of POs and Invoices
  • Manage Compliance with Regulations and Sustainability Goals
  • Leverage Fintech ecosystem

Benchmarked and Rated on Top Repeatedly

Recognised in Global Analyst Leadership Quadrants

Trusted by the World’s Best

"iGTB’s technology helps us to harmonize the trade finance back-end processes across the Raiffeisen Sector and will thus reduce complexity and overall costs. We are very excited about the new digital customer front-end solution as well."

Mr. Felix Mayr
Head of Transaction Banking,
Raiffeisenlandesbank Niederösterreich-Wien AG
"With this latest state-of-art digitized SCF product, we are now live with large corporates, SME and MSME clients and many more in the pipeline. In line with our Prime Minister’s “Digital India”, “Make in India”, “Stand-Up India” initiatives, this digital solution will open up new financing opportunities driving the country’s growth."

Mr. Litesh Majethia
Head of Supply Chain Finance,
Bank of Baroda
"iGTB’s technology helps us to harmonize the trade finance back-end processes across the Raiffeisen Sector and will thus reduce complexity and overall costs. We are very excited about the new digital customer front-end solution as well."

Mr. Felix Mayr
Head of Transaction Banking,
Raiffeisenlandesbank Niederösterreich-Wien AG
"With this latest state-of-art digitized SCF product, we are now live with large corporates, SME and MSME clients and many more in the pipeline. In line with our Prime Minister’s “Digital India”, “Make in India”, “Stand-Up India” initiatives, this digital solution will open up new financing opportunities driving the country’s growth."

Mr. Litesh Majethia
Head of Supply Chain Finance,
Bank of Baroda

Perspective

Supply Chain Finance
Resources

Scale Your Supply Chain Finance Business With Dynamic Discounting

The Evolution of AI in Trade Finance
Resources

The Evolution of AI in Trade Finance

The Five Critical Elements to Scaling Your Supply Chain Finance Business
Resources

The Five Critical Elements to Scaling Your Supply Chain Finance Business

The Evolving Landscape of Transaction Banking in Thailand and the Philippines
Resources

The Evolving Landscape of Transaction Banking in Thailand and the Philippines

Trade and Supply Chain Finance

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The Evolving Landscape of Transaction Banking in Thailand and the Philippines

Explore The Evolving Landscape of Transaction Banking in the Thailand and the Philippines