Built for the lenders who serve the next billion.
Banks, Islamic banks, microfinance banks, finance companies and fintechs run one platform, set up for the way each of them lends.
Commercial banks
Retail and SME lending with the controls a regulator expects.
- Personal and salary-backed finance with payroll checks
- SME loans with financial statements and bank-statement analysis
- Maker-checker approval within delegated limits
- Runs in your data centre, with your brand
Islamic banks and windows
Islamic products with the right contracts and the right words.
- Murabaha, Ijarah, Diminishing Musharakah and Tawarruq
- Financing and profit rate, never loan and interest, on every screen and document
- Shariah approval recorded before a product goes live
- Islamic and conventional products side by side
Microfinance banks
Small loans at scale, on any phone.
- Sign-up with the national ID and a one-time code
- Alternative-data scores for customers with no credit history
- USSD and WhatsApp for feature phones
- Collections that follow the conduct rules
Finance companies and fintechs
Digital lending that a regulator will sign off.
- Hosted by SMH Global for the fastest start
- An open API to connect wallets, partners and your core system
- Key Fact Statements, cooling-off periods and complaint records
- Fraud checks for shared phones, recycled IDs and edited documents
Banking groups across countries
One installation, with an entity in each country.
- Each country with its own currency, products and rules
- Staff switch entity; each application stays with its own
- Eight languages, with right-to-left screens
See it with your own products
We'll set up the demo with your products, your limits and your brand, then walk your credit, compliance and IT teams through it.