Banking Payment Solutions

EML is the partner of choice for fintechs, banks and lenders across the globe. Clients leverage our purpose-built technology to embed payments and create amazing, instant and seamless customer experiences.


Whether you are a neo bank in Australia, a crypto company in Europe, or a fintech in North America, it’s a highly competitive marketplace that you are playing in. Creating enjoyable customer experiences where the payment process is fast and frictionless is a key ingredient to success. But building all of this from scratch can be very costly and managing several vendors can be stressful.


EML can seamlessly integrate into your platform and support all aspects of your payment needs to deliver customer-friendly convenience. With access to the latest in open banking & real-time digital payment solutions you can create dynamic financial management services and unique product experiences. Lenders can accelerate the application approval process and conversion rates with open banking, reducing the turnaround time from days to minutes.


  • Create a competitive edge
  • Faster loan approval processes and conversion rates
  • A faster, more frictionless & convenient customer experience
  • Personalised communications & offers
  • Simplified administrative process with less manual back office



You can take control with our prepackaged solution! Set spend control limits on when, where, and how cards are used, leading to better expense management and fraud control. With ControlPay, businesses operate parent/child cards where two parties can both access the one funding source, while enforcing card-level rules around spend limits and/or allowable merchant types.

Open Banking:

Use the latest EML payment innovation of open banking. You can differentiate your customer experience by using rich banking data and AI engines to provide a frictionless and safer solution. Collect recurring payments & direct debits quickly without form filling. Accelerate lending decisions and disbursement of funds from days to minutes.

Personal Finance Management (PFM) & Budgeting Tools:

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Help customers with their financial wellness with smart budgeting and personalised financial solutions using open banking. Provide your customers with leading-edge PFM tools and choose from our pre-designed or customise your own. All options leverage the latest in machine learning & AI technology.

Digital Wallets:

With EML wallets you can offer your customers or users a fast, convenient, and hyper-personalised neo-banking experience.

Virtual Accounts:

You can offer full transparency of card limits without the need to store value on the card with just-in-time funding options.


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EML provide multi-currency wallets that can reduce the risk and hefty fees associated with the very volatile foreign exchange market. They allow our global and cross-border clients to conveniently and cost-effectively process bulk international payments in real time, with management controls and live reporting capabilities.

Working with EML has allowed Orenda to offer a suite of services for different customer segments. Great flexibility and great partners are key. Orenda is built on serverless technology to allow ultimate scalability. Ensuring all of our tech is provided in real-time is a crucial part of our offering. We provide a white-labelled, zero-code integration of financial services, meaning no API integrations are required, providing speed and simplicity. Orenda's growing marketplace of services allows any live programme to benefit from any new integration.

Joshua Vittori – MD & Co-founder, Orenda

Ready to get started?

Drop us a message if you want to talk about working together, or just to have a chat - we'd love to help!