Few vendors can claim to run the full engine room of a corporate bank. Intellect Design Arena can – and does. From cash and liquidity management to payments, trade and supply chain finance (SCF), its Corporate Treasury eXchange (CTX) and eMACH.ai platforms deliver an integrated suite that enables banks to manage every dimension of transaction banking from a single, modern, cloud-native stack.
“We are deeply honoured that Intellect has been recognised as the world’s best transaction banking software provider,” says Manish Maakan, chief executive officer, wholesale banking. “This award validates far more than technology leadership – it reaffirms our mission to help banks build nations and power economic growth across markets.
“As the industry enters an AI-first era, Intellect eMACH.ai – the world’s first AI operating system for wholesale banking – is enabling our clients to modernise with speed, scale and purpose. By uniting trusted AI, composable architecture, microservices at scale and zero-waste design principles, we are committed not just to solving today’s needs but to architecting the future of wholesale banking and transaction banking for the decade ahead.”
Intellect’s systems underpin global leaders across Asia, the Middle East, Europe and North America, enabling them to serve multinational corporates and small and medium-sized enterprises (SMEs) alike through unified digital experiences. Whether banks are orchestrating real-time payments, building virtual account structures, launching new liquidity products or digitising trade workflows, Intellect provides the underlying infrastructure that makes it possible.
This award validates far more than technology leadership – it reaffirms our mission to help banks build nations and power economic growth across markets
Manish Maakan
Intellect’s transformation has been remarkable. In recent years, it has rebuilt its transaction banking portfolio on a microservices-based, API-first and cloud-native foundation under the eMACH.ai architecture – short for event-driven, microservices-based, API-enabled, cloud-native and headless.
“Modern transaction banking demands technology that adapts quickly to evolving client needs, delivers operational efficiency, embeds AI natively and accelerates innovation,” says Borna Ljubicic, partner and chief growth officer, wholesale banking. “Guided by first-principles thinking, we created Intellect eMACH.ai and engineered it to serve our clients’ growth ambitions.
“With unmatched architectural depth – 386 microservices, 2,015 APIs and a composable, zero-waste design – eMACH.ai empowers banks to innovate rapidly, integrate seamlessly, and build the next decade of transaction banking with confidence.”
Each component can operate independently while working seamlessly within the bank’s environment. With their suite of APIs and event triggers, Intellect enables banks to design their own workflows, integrate third-party tools and roll out updates with minimal disruption.
This approach has proved decisive in large-scale migrations, allowing banks to modernise legacy cores in stages while launching new services for corporate clients. Composability is not theoretical: Intellect powers almost a quarter of G7-currency liquidity sweeps worldwide, automates trillion of annual cash movements and executes trillions of automated investments each year. Few software providers operate at this scale – and fewer still across such a range of transaction banking functions.
Intellect’s value proposition for transaction banks centres on how it helps them and their clients manage, move and make money. It enables banks to manage money with clarity and control through liquidity, cash and virtual-account solutions that give treasurers real-time visibility of balances, automate sweeps and investments, and reward operational deposits.
Guided by first-principles thinking, we created Intellect eMACH.ai and engineered it to serve our clients’ growth ambitions
Borna Ljubicic
It helps them move money through one of the most advanced payments hubs globally, built on eMACH.ai microservices. This platform processes billions of transactions across multiple markets and clearing schemes, using contextual routing, real-time dashboards and AI-driven controls to move funds instantly, securely and at scale.
And it allows banks to make money through its digital trade and SCF platforms, which connect to liquidity and payments systems so banks can fund working capital, price risk and monetise relationships. Corporates gain faster access to credit, while banks capture new growth from connected lending ecosystems.
Together, these capabilities make Intellect one of the few vendors able to power the entire corporate bank.
“We are a forward-thinking, AI-first organisation partnering with banks on their most strategic transformation priorities,” adds Vivek Gupta, president and global head, intellect consulting. “With our sectoral knowledge, global delivery capability and trusted AI framework, we help clients scale intelligently and design for their future state, not their past constraints.
“Purple Fabric – our trusted AI layer embedded across the eMACH.ai platform – enables banks to reimagine decisioning, automation and advisory with confidence. Together with our composable suite of wholesale banking capabilities, we are enabling our clients to lead with resilience, intelligence and industry-shaping impact.”
Client momentum and commercial success
Intellect’s recent results provide strong evidence of market leadership. In its latest financial year, the firm added some of the top 20 global banks across all areas of transaction banking, choosing Intellect as their platform for the next decade of transformation. Clients cite speed-to-market, scalability and the ability to launch new products rapidly as decisive factors.
Banks that see Intellect in operation at peers increasingly follow suit. Its Space and Speed implementation frameworks – designed for large, feature-rich and rapid rollouts – enable new deployments to go live in record time, cutting onboarding durations significantly compared with legacy systems.
With our sectoral knowledge, global delivery capability and trusted AI framework, we help clients scale intelligently and design for their future state, not their past constraints
Vivek Gupta
Intellect’s advances in artificial intelligence (AI) further distinguish it from peers. Through its proprietary Purple Fabric platform, it has launched ‘expert agents’ – contextual, generative-AI assistants that provide insights for relationship managers, operations teams and product heads. These agents draw on each bank’s internal ‘knowledge garden’ of data to identify patterns, predict liquidity positions and recommend product configurations across payments, deposits and liquidity.
The technology accelerates decision-making and helps banks manage balance-sheet profitability more precisely, rewarding operational deposits and improving return on equity – a key differentiator in a margin-constrained environment.
In 2025, Intellect stands as the benchmark for what modern transaction banking technology should deliver: a composable, cloud-native platform that enables banks to innovate at pace, integrate seamlessly and serve clients with intelligence and agility.
By unifying cash, liquidity, payments, trade and SCF under one architecture – and proving that architecture’s performance at global scale – Intellect has redefined its category.
