First Abu Dhabi Bank Deploys Intellect's eMACH.ai, Establishes New Benchmark for AI-Powered Debt Management

Image Source: Intellect Design

First Abu Dhabi Bank (FAB), the UAE's biggest bank, has deployed Intellect Design Arena's eMACH.ai Lending platform, the Middle East's largest AI-driven debt-management overhaul. The go-live, announced today by Intellect Global Consumer Banking (iGCB), replaces a number of legacy modules with a single, composable layer that automates end-to-end collections and integrates more than ten internal systems for real-time portfolio visibility.

With the multi-year effort, FAB is now able to craft dynamic collection strategies, propel delinquency by risk buckets, and deliver real-time insights to loan-recovery agencies—all from a cloud-ready dashboard. Senior management at the bank expects the upgrade to reduce recovery expenses, halve turnaround times, and boost customer-first credentials as the lender grows in 20+ markets.

To Intellect, FAB's adoption of eMACH.ai in 2005 established Chennai-based fintech company Intellect's position as a change partner of choice for Tier-1 banks looking for "composable, first-principles" architecture. The company currently has 260 financial institution customers in 57 countries and aims to double revenues from AI-based platforms in three years.

Key Highlights

Coverage: Full roll-out of eMACH.ai Lending Debt Management to retail loans and credit cards.
Integration: Aggregates 10+ FAB subsystems to deliver 360° credit-portfolio visibility.
Benefits of automation: Queue-based account allocation, AI-driven scoring, and agency collaboration likely to reduce cost of recovery and TAT by as much as 50 %.
Strategic Vision: FAB aims at five-year horizon for fully automated collections; Intellect aims at wallet-share penetration with composable banking stack.
Partnership Milestone: Expands a 20-year partnership beginning with core-banking and digital-engagement solutions.