About us

Oman Credit and Financial Information Centre was established by Royal Decree 38/2019 issued on 8th May 2019 as an independent organization with financial and administrative independence under the supervision of the Central Bank of Oman.

The center provides information services, credit rating, creditworthiness measurement and solvency for individuals and institutions in order to enable access to credit.

The membership of the Center includes several sectors including banking & financial, insurance, telecommunications, and small and medium enterprises. In addition to a number of government records with the aim of establishing a central database of credit and financial information on a national level and providing it to various members and assessing the financial solvency of customers which leads to high loan quality and reducing risks Credit, financial and default rate, according to the latest international standards and techniques.

Royal Decree in English    Royal Decree in Arabic

This initiative is the first pillar of the Central Bank of Oman’s 2021 Strategy. To establish a cross-sector National Databank that will empower Oman to transform into a knowledge-based nation, achieving financial inclusion objectives and enabling access to credit.

Mala’a’s core business services include:

  • Credit Bureau services
  • Facilitate Instant Decisioning Engines/ Mobile Lending Platforms
  • Consultancy and Analytical Services
  • Fintech Innovation

Mala’a members are comprised of Banking, Insurance, Telecommunications, Audit and Financial sectors. By connecting multiple government entities into a cohesive National Data Bank, we are able to serve our members, customers and government entities with the latest technologies in Credit Bureau and Data Analytics.

Our Vision: Empowering Growth through Information

To empower Oman and its people to facilitate the right financial decisions and promote the development of a stronger Oman. Positioning us on a global stage and giving our people the ability to realise their dreams with dignity, Mala’a achieves this through:


Being a champion of clarity. Mala’a provides access to accurate, timely and reliable information.


Educating people of Oman about the importance of their credit information.

Our Values


Mala’a never compromises on honouring the trust bestowed upon it in its operations.


Mala’a’s resourceful team works hard to ensure the highest standard of delivery.


Mala’a has a progressive and open-minded outlook that ensures constant evolution and development.

Our Principles

Data Security

Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security. Mala’a data is sourced directly from the government via a highly secure dedicated network.

Consumer Protection

Mala’a is governed by the Central Bank of Oman, ensuring the confidentially and security of consumer data as stipulated by the Omani Banking Law and Regulations.

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