← State of Embedded Finance 2026

Ikredit360

“Can a single composable credit platform enable any financial institution globally to launch and manage end-to-end digital credit products — cards, SME loans, BNPL — in weeks rather than years?”

Founded2021
HQLondon, United Kingdom
IndustryInfrastructure / Lending
The story

iKredit360 is not a startup but a product line of Intellect Global Consumer Banking (iGCB), itself a division of Intellect Design Arena. Launched in 2021, the platform was positioned as a comprehensive, composable credit technology platform enabling banks, NBFIs, and e-commerce players to embed credit into customer journeys. Its embedded finance angle is B2B: iKredit360 is the infrastructure layer that licensed financial institutions use to originate, manage, and service loans — including BNPL, SME lending, and digital cards — rather than being a direct lender itself.

Last 12 months
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Product timeline
2021
iKredit360 launched by Intellect Global Consumer Banking (iGCB) as a cloud-native, composable credit technology platform for banks and financial institutions.· lending
2022
Cathay United Bank (Vietnam) selected iKredit360 to transform its lending business, including BNPL capabilities, on an API-first microservices architecture.· lending
2023
iGCB expanded iKredit360 to include India's first end-to-end digital SME credit management platform, targeting SME lending launch in 50 days.· lending
The stack
Lending
End-to-end credit lifecycle managementSME Lending Marketplace (segment-specific credit products, loan disbursement in minutes)BNPL (Buy Now Pay Later)Loan originationRelationship engagement and customer scoringCollateral ManagementFinancial products creation
Accounting gap: none