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

Banking & Finance | Dated: 23 Jun 2025

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.

🎯 Key Highlights:

  • - 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.

💡 Other Important Facts:

  • (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.

📚 Test Your Knowledge:

Which bank has recently implemented the eMACH.ai Lending Platform for digital transformation?

Correct Answer: First Abu Dhabi Bank (FAB)

🚀 Quick Recap: