Amanova is a product of SMH Global Services.
Since 2013, SMH Global Services has designed, built and run banking platforms, enterprise software and regulatory compliance solutions for organisations in Saudi Arabia, Pakistan, the United Arab Emirates and beyond. Its head office is in Dubai, its development centre in Karachi and its regional office in Riyadh.
Founded, delivering tailored IT solutions and building trust through quality delivery.
Expanded into new markets, with more than 50 projects delivered across industries.
Full-scale enterprise services: IT governance, compliance and custom systems, and long-term partnerships.
Platforms running in several regions across Saudi Arabia, Pakistan, the UAE and Bangladesh, for finance, industry and banking.
Why we built Amanova.
Our teams have spent years inside banks in Saudi Arabia and Pakistan, on reconciliation, cards and settlement. Lending was where customers waited longest: paper forms, branch visits, decisions nobody could explain, and rules that changed from one country to the next.
We built the platform we wanted lenders to have: one that knows each country's ID services, bureaus and rules, explains every decision, and speaks the customer's language. The name joins amāna, trust held in safekeeping, and nova, new.
Built for your regulator, not just your requirements.
- Regulatory alignment is designed in from day one, whether that is SBP, SAMA, CBUAE, Bangladesh Bank, CBN or CBK.
- One accountable partner: we design, build, test, deploy and support everything we deliver, with no hand-off to a third party.
- Banking is our core. Our architects know how banks work, not just how software is built.
- Quality assurance sits in every team from the requirements stage, and security is designed in.
- Our clients stay and grow with us: they come for one system and expand to several.
Trusted by banks and large enterprises.
SMH Global Services has delivered banking products, IT governance frameworks, quality management, custom software, ERP and software testing for these organisations.
Banks and financial institutions
- Riyad Bank
- Bank Albilad
- Samba Financial Group
- Samba Bank Limited (Pakistan)
- Mobilink Microfinance Bank
Large enterprises
- Unilever
- Coca-Cola Saudi Arabia
- Tapal Tea
- Reckitt Benckiser Pakistan
- P&G Pakistan
Also textile and manufacturing, pharmaceutical and construction companies. Clients of SMH Global Services for the work named; names belong to their owners.
Four lines of service.
IT governance and consulting
CMMI, COBIT, ITIL and ISO gap assessments, framework development and regulatory compliance for SAMA, SBP, GDPR and NESA.
IT services and development
Bespoke software, mobile applications, web portals, APIs, system integration, RPA and modernisation of legacy systems.
Software QA and testing
Functional, performance, mobile and accessibility testing, data and core banking migration testing, and test automation.
Team augmentation
Dedicated development teams, project-based specialists and managed IT services, on site or offshore.
Banking products
- Equine Banking SuiteTransaction reconciliation, settlement, dispute management, ATM cash balancing and nostro/vostro reconciliation.
- Bank Reconciliation SystemMatching across card schemes, payment networks, digital payment platforms and interbank transactions.
- Card Management EcosystemCard personalisation and issuance, ATM card capture, courier dispatch and consignment tracking.
- QualiSphereQuality and non-compliance management, with structured workflows for issues and corrective actions.
- AuditHDAudit, compliance and risk management with country packs. audithd.com
- AmanovaDigital lending from sign-up to collection, with country packs and explainable AI.
Enterprise products
- Maximus ERPInventory and production, accounts, HR and payroll, mobile point of sale and a regional tax engine.
- Procurement managementThree-way matching, a secured vendor portal and tiered approvals.
- AI document automationOCR, computer vision and RPA that extract, validate and post data from documents.
- Maintenance management (CMMS)Asset tracking, work orders, preventive maintenance and equipment monitoring.
- Residential compound managementResidents, subscriptions and community operations in one system.
Registered and recognised.
Our offices.
Head office
Dubai, United Arab Emirates
The Meydan Hotel, Grandstand, 6th floorMeydan Road, Nad Al Sheba
Dubai, United Arab Emirates
Pakistan corporate office and development centre
Karachi, Pakistan
51-C, Mezzanine 01, Jami Commercial Street 11D.H.A. Phase 7
Karachi 74400, Pakistan
Development centre: B-102, Block 2, Gulshan-e-Iqbal, Karachi
Regional office
Riyadh, Saudi Arabia
Street address on request; reach us by phone or email.
See it with your own products.
Open the live demo now, or book a walkthrough and we will set it up with your products, limits and brand.