Questions we are often asked.

A digital lending platform for banks, microfinance banks, finance companies and fintechs: customer sign-up and applications on the web, app, WhatsApp and USSD; credit decisions with reasons; disbursement, servicing and collections; and the compliance checks each country requires.

Pakistan, Bangladesh, Saudi Arabia, the UAE, Nigeria, Kenya, Egypt, Ghana, Senegal and Mozambique have ready country packs. Each country runs as its own entity with its own currency, products, ID and mobile formats, and lending rules. A new country is a new pack, not a new system.

Yes, separately from the country: English, Urdu, Arabic, Bangla, French, Portuguese, Swahili and Hausa, with right-to-left layouts for Urdu and Arabic. Amounts always follow the country's currency.

Yes. Murabaha, Tawarruq, Ijarah and Diminishing Musharaka products carry their contract type, profit-rate wording and Shariah board reference, and late-payment charges go to a charity account.

No. It drafts, reads and flags: credit memos, statement analysis, fraud signals and reasons. A person accepts or rejects every result, and each one is logged with its inputs and reviewer.

Only where you allow it. The built-in engine runs inside your installation; you can add an approved cloud provider or an on-premises model through the same gateway.

Yes. It installs on a Linux server with Docker in one command, or air-gapped from an offline package. The hosted service can run in the country you choose.

On active loan accounts and staff users, plus the countries you lend in. Borrowers and applicants are free and unlimited. See Pricing and plans.

Through documented REST APIs and webhooks for customers, loans, disbursements and repayments, with connectors for national ID services, credit bureaus and wallets.

SMH Global Services, an IT solutions company founded in 2013, with offices in Dubai, Karachi and Riyadh. It builds banking platforms, enterprise software and compliance solutions.