First Abu Dhabi Bank Adopts eMACH.ai Platform to Drive Digital Lending Transformation
First Abu Dhabi Bank (FAB), the UAE’s largest financial institution, has taken a significant step in its digital transformation journey by implementing the eMACH.ai Lending platform from Intellect Design Arena. This marks a pivotal shift in FAB’s credit strategy, moving from manual processes to a fully automated, digital lending ecosystem that enhances operational agility and customer experience.
The eMACH.ai Lending platform enables FAB to automate end-to-end credit processes and integrate seamlessly with over 10 internal subsystems. This integration offers real-time visibility into FAB’s credit portfolio, supporting advanced debt collection strategies based on equal distribution, percentage-based allocation, and queue stamping. These features will allow the bank to manage collections across loan and card products efficiently, with a long-term goal of fully automating debt collection within five years.
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FAB’s transition is part of a broader technology vision centred around customer-first innovation, supported by its long-standing partnership with Intellect since 2005. The platform is powered by Intellect’s First Principles technology stack, which includes over 329 microservices, 1,757 APIs, and 535 event triggers, enabling banks to design scalable, future-ready solutions. Built on a cloud-native, composable architecture, the system ensures regulatory compliance, agility, and personalised banking experiences.
The bank’s digital evolution also includes AI-based credit scoring, automated document verification, and data analytics-driven decision-making—all critical to FAB’s strategy of intelligent automation and operational excellence. These enhancements strengthen FAB’s position as a regional leader in customer-centric, digital-first banking.
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This milestone demonstrates FAB’s commitment to technology and innovation and is set to redefine digital lending standards in the Middle East. It also highlights the transformative role of strategic fintech partnerships in modernising core banking operations.
Disclaimer: This post is for general informational purposes only. It does not constitute financial advice. Please consult a qualified professional before making financial decisions.
