Intellect Design Arena has successfully deployed its eMACH.ai Retail 6DX platform at OnCost, Kuwait's leading FMCG retailer and the nation's first wholesaler to open its doors to individual consumers. The implementation transforms OnCost's retail operations across its strategic branches, delivering enhanced omnichannel capabilities, improved inventory control, and faster checkout processes.

Strategic Digital Transformation

OnCost's adoption of the AI-First in-store retail platform represents a strategic pivot from restrictive legacy infrastructure to a cloud-native, microservices-led architecture. This transformation enables the retailer to build a foundation that can respond, learn, and evolve with every customer interaction in Kuwait's rapidly digitizing retail market.

Key Platform Capabilities

The eMACH.ai Retail 6DX implementation delivers comprehensive retail transformation capabilities across multiple operational areas:

Advanced Technical Features

Built on First Principle Thinking principles, the platform transforms disjointed store operations into a synchronised retail engine. The comprehensive implementation includes:

Leadership Perspectives

Rajan Thomas, Group CTO at OnCost, emphasized the platform's alignment with company objectives: "Our mission has always been to provide the best value and experience to our members. With eMACH.ai Retail 6DX, we have a platform that mirrors our ambition - deeply local, infinitely scalable, and intelligently connected."

Debanjan Kumar, CEO, iDTC, highlighted the transformation's significance: "OnCost's journey is a definitive example of first-principle reinvention. They chose to reimagine their foundation rather than patch old systems. This implementation is not just a technology deployment; it is a business transformation designed for resilience and relevance in the competitive Middle Eastern retail landscape."

About the Companies

OnCost operates as Kuwait's first "Wholesale to Retail" supermarket, combining bulk-buy savings with traditional supermarket convenience. The company serves both individual households and businesses across its growing network of stores in Kuwait.

Intellect Design Arena Ltd delivers composable and intelligent financial technology solutions to institutions across 61 countries, with three decades of domain expertise spanning multiple financial services sectors.

Intellect Design Arena Limited has officially announced the launch of eMACH.ai Islamic Banking, a comprehensive cloud-native platform designed specifically for Islamic financial institutions. The announcement was made through a formal press release dated April 15, 2026, filed under Regulation 30 with stock exchanges.

Platform Architecture and Compliance

The eMACH.ai Islamic Banking platform is built on a cloud-native, microservices-based architecture with "Shariah by design" principles. The platform addresses the limitations of existing Islamic banking solutions that rely on legacy systems and superficial Shariah "bolt-ons" lacking necessary controls and regulatory requirements.

Core Banking Capabilities

The platform delivers a comprehensive suite covering every facet of the banking ecosystem. The Core Transaction Engine offers DIY configurable accounts including Wadiah, Mudarabah, and Wakala, facilitating quick go-to-market strategies and real-time ledger management.

The Islamic Pool Management capability utilizes embedded AI for forecasting, profit management and distribution, and zakat management. The Islamic Financing capability supports the entire financing lifecycle for instruments like Murabaha, Operating Ijarah, Ijarah Muntahia Bittamleek, Musharakah, Tawarruq, Istisna'a, and Qard Hasan.

Technology Integration and Features

The platform offers modular flexibility through its composable architecture, allowing deployment of a full Islamic core or select standalone modules without backend dependencies. Its headless architecture ensures seamless integration with any digital banking platform and third-party FinTechs, providing 24/7 real-time processing.

Key technological features include AI-powered journeys for origination, Islamic financing, analytics, and forecasting of profit calculation and distribution. The platform automates the entire profit-sharing lifecycle from calculation to approval and distribution, while providing Smart Shariah Accounting with configurable entries aligned with prescribed guidelines.

Management Commentary

Rajesh Saxena, CEO of Intellect Consumer Banking, emphasized the platform's significance: "The Islamic finance industry has long been underserved by rigid, monolithic architecture that struggles to provide Shariah integrity, flexibility and scalability. eMACH.ai Islamic Banking platform represents a fundamental shift: it is purpose-built on 'Sharia by design code,' where the architecture itself is natively designed for Islamic banking."

Saxena highlighted the platform's implementation efficiency, stating it enables "6-9 months of implementation time, finally resolving the friction between high-growth financial aspirations and the operational complexities of Shariah compliance."