New Delhi: Intellect Design Arena Ltd., a global leader in enterprise-grade financial technology, has been awarded the Gold medal for Best Innovation in Operational Efficiency at the Datos Insights Impact Awards in Commercial Banking & Payments. The recognition was conferred for Intellect’s eMACH.ai-powered Transaction Limits Management (TLM) solution, which has redefined how banks process high-value and instant payments across complex corporate structures.
Datos Insights, a leading research and advisory firm in the financial services sector, commended Intellect Design for its transformative approach to payment decisioning. The TLM platform, built on Intellect’s composable eMACH.ai architecture, is a cloud-native, real-time engine that automates the pay/no-pay process across multi-level corporate hierarchies. Currently live in 22 countries across North America, the UK, and Europe, the platform handles 1.5 million payments daily at a speed of 200 transactions per second.
The award highlights Intellect’s leadership in solving one of the most pressing challenges for global banks — balancing speed, cost-efficiency, and risk control in payment processing. The TLM solution achieves up to 99.9% straight-through processing (STP), significantly reducing manual interventions and operational costs.
“Banks today face an impossible triangle: increase payment speed, reduce operational costs, and maintain strict risk controls,” said Manish Maakan, CEO, Intellect Wholesale Banking. “Our Transaction Limits Management platform solves this by offering real-time, intelligent decisioning. Winning this Datos Impact Award confirms our commitment to delivering technology that positions financial institutions for sustainable growth.”
The company is actively expanding TLM’s capabilities into Trade Finance, Supply Chain Finance, and Capital Markets, while enhancing AI/ML features for intelligent automation. A new Stand-in Shadow Balance module is under development to reduce latency and ensure operational continuity during core system outages.
“Intellect’s eMACH.ai TLM solution represents a meaningful step forward in operational efficiency for wholesale banking,” said Erika Baumann, Director, Commercial Banking & Payments Practice, Datos Insights. “Its cloud-native architecture and API capabilities address persistent industry challenges and reflect the broader shift toward automation and ecosystem integration.”
This recognition reinforces Intellect Design Arena’s position as a pioneer in digital banking transformation, delivering scalable, intelligent solutions that empower financial institutions to thrive in a rapidly evolving landscape.
