First Abu Dhabi Bank goes digital with Intellect's eMACH.ai lending

First Abu Dhabi Bank (FAB), the UAE’s largest bank, has successfully implemented a new debt management system developed by Intellect Global Consumer Banking, a division of Intellect Design Arena Ltd.

The new system, part of Intellect’s eMACH.ai Lending platform, aims to improve how the bank manages loan recovery and collections. It integrates with more than ten internal systems to provide real-time insights into FAB’s entire credit portfolio.

The eMACH.ai Cards platform is designed with robust security measures, incorporating PCI Secure Software Standards compliance and Triple DES encryption.

The transition to this digital platform is expected to support FAB’s goal of fully automating its debt collection operations within five years. The bank said that the new system will allow for better coordination with recovery agencies and a reduction in recovery costs, while also strengthening its digital operations.

FAB and Intellect Design Arena have worked together since 2005. The implementation of this system is seen as a continuation of that partnership and forms part of FAB’s broader strategy to improve operational efficiency and customer service through digital tools.

The bank stated that this move reinforces its commitment to technological investment and improving customer service across its global operations.

In February, Kuwait’s Boubyan Bank advanced its transaction banking services with the successful completion of the second phase of implementing Intellect’s eMACH.ai Wholesale Banking platform, according to an official statement.

The solutions, introduced through Intellect Global Transaction Banking (iGTB), are tailored to meet the financial needs of sectors such as telecom, fintech, real estate, trading services, and oil and gas. These upgrades offer enhanced cash flow management, more efficient billing systems, real-time financial visibility, and improved liquidity control. With the integration of these sector-specific capabilities, the bank aims to support businesses in achieving greater operational efficiency and resilience in a dynamic economic environment.