Intellect Design Arena , a global leader in enterprise-grade financial technology, has announced that Arab National Bank (ANB), a leading Saudi Arabian corporate bank, has successfully implemented its eMACH.ai Digital Transaction Banking solution. This strategic partnership marks a significant advancement in Saudi Arabia's wholesale banking digital transformation, directly supporting the Kingdom's Vision 2030 objectives.

Strategic Digital Transformation Initiative

The implementation represents a pivotal milestone in delivering next-generation wholesale banking solutions specifically tailored for the dynamic Saudi market. ANB's adoption of the eMACH.ai platform demonstrates the bank's commitment to driving digital innovation in Saudi Arabia's wholesale banking sector through strategic investments in future-ready technologies and customer-centric digital solutions.

Industry-Specific Solutions for Saudi Market

The eMACH.ai platform delivers tailored wholesale banking solutions aligned with the Kingdom's strategic industries, empowering organizations to drive operational excellence, financial control, and digital agility across multiple sectors:

Key Industry Applications:

• Oil & Gas: Near real-time cash position visibility across subsidiaries, banks, and currencies with automated disbursals for vendors, employees, and FX settlements
• Government Sector: Enhanced fiscal transparency and efficiency through real-time cash visibility and automated payment workflows across ministries and public sector entities
• Resources (Energy & Utilities): Centralized financial visibility and automated high-volume payments for large-scale, capital-intensive operations
• Real Estate & Construction: Centralized financial cockpit for cash flow monitoring by project, department, or entity with milestone-based payments
• Telecom: Complex receivables and payables control with real-time, high-volume cross-border and domestic payment processing
• FMCG: Real-time dashboards, automated transaction reporting, and multi-channel payment capabilities
• Trading & Logistics: FX loss mitigation through online FX rate negotiation and automated cross-border payment solutions

Platform Capabilities and Features

The implementation introduces several key differentiating capabilities that position ANB competitively in the Saudi banking market:

Leadership Perspectives

Aiedh M. Al-Zahrani, Chief Operating Officer at Arab National Bank, emphasized the transformational impact: "This transformation marks a new era of operational agility and efficiency at ANB. By digitising our core transaction banking services through Intellect's eMACH.ai platform, we are strengthening our ability to serve clients with faster turnaround times, reduced complexity, and smarter workflows."

Omar Alageel, Chief Digital Officer at Arab National Bank, highlighted the strategic significance: "Digital transformation is central to ANB's strategy of delivering intelligent and differentiated banking experiences. This partnership with Intellect is more than a technology upgrade. It's a foundational shift towards a digital-first future."

Manish Maakan, CEO - Wholesale Banking at Intellect Design Arena Ltd., noted the regional impact: "ANB's strategic investment in eMACH.ai marks a pivotal step in advancing Saudi Arabia's digital banking capabilities. This milestone cements Intellect's leadership in the GCC region with 40+ customers and showcases our commitment to delivering purpose-built technology that aligns with industry priorities and Vision 2030."

About Intellect Design Arena Limited

Intellect Design Arena Ltd is a global leader in AI-First, enterprise-grade financial technology, delivering composable, intelligent platforms across Wholesale Banking, Consumer Banking, Central Banking, Wealth, Capital Markets, Treasury, Insurance and Digital Technology for Commerce. The company serves over 500+ customers across 61 countries, supported by a global workforce of domain, solution and technology experts.

Intellect Design Arena announced the launch of eMACH.ai AI-First Banking platform at the India AI Impact Summit 2026 in New Delhi on February 18, 2026. The comprehensive platform represents a significant advancement in banking technology, featuring 550 domain-aware agents designed to make banking invisible, intelligent, and inseparable from customers' daily lives.

Platform Architecture and Core Features

The eMACH.ai ecosystem is built on five strategic foundations, with Natural Language Experience (NLX) serving as the primary foundation. This technology allows customers to interact with banking services using everyday spoken or written language, eliminating barriers related to language, literacy, and technology proficiency.

The platform enables customers to ask questions, make service requests, or invest easily in their own language using voice or text across multiple devices. The AI-First Banking system offers solutions, advice, and recommendations based on extensive learning of user personas, priorities, government schemes, and regulatory guidelines.

Comprehensive Banking Solutions

The AI-First Banking Ecosystem delivers three key components designed for enterprise-grade banking operations:

Bank GPT provides instant intelligence and seamless service, resulting in up to 35% decrease in customer queries on transactional items through automated resolution. The system services customers instantly and efficiently across various banking functions.

Digital Experts Platform includes 65+ pre-trained Digital Experts built on Purple Fabric Open Business Impact AI Platform. These experts enable banks to deploy Agentic AI Systems that collaborate like human teams while ensuring every output complies with bank policy and regulatory requirements.

Specialized User Journeys

The platform offers AI-First ready user journeys across multiple banking domains:

For retail customers, the system provides autonomous savings by moving surpluses to high-yield accounts, optimizes debt management, and offers tax guidance with pre-filled investment applications based on spending patterns. SME customers benefit from automated payment reconciliation using Account Aggregator and Invoice Parser, along with proactive cash flow management through the OCEN network.

Leadership Perspective

Arun Jain, Chairman & Managing Director of Intellect Design Arena, emphasized the platform's inclusive approach: "Banking customers are no longer limited by their resources, exposure, access, or the language they speak. We have achieved Boundaryless Banking by launching multi-lingual, Natural language based AI-First Banking for a global audience."

Jain highlighted the platform's alignment with Indian banking innovation: "Indian banking has always been a global pioneer, leading with inclusive financial innovations such as UPI and the Aadhaar-enabled payment system. We at Intellect are proud to offer an AI-first banking ecosystem that enables banks to accelerate innovation through first-principles thinking."

Regulatory Compliance and Enterprise Features

The AI-First banking ecosystem is purpose-built for Indian banks and leverages enterprise-grade knowledge to deliver applications that comply with local regulatory protocols. The platform includes continuous LLM learning and optimization capabilities, enabling bank IT and business teams to convert ideas into functional products while maintaining compliance standards.

The system incorporates enterprise governance and security features with role-based data access controls, real-time audit trails, and comprehensive traces to ensure AI performance meets banking standards without hallucination or underperformance issues.