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About us

Oman Credit and Financial Information Centre (Mala’a) was established by Royal Decree 38/2019 issued on 8th May 2019 as a financially and administratively  independent entity under the supervision of the Central Bank of Oman with financial and administrative independence.

Mala’a enables access to credit through its primary products: Mala’a Credit Report, and Mala’a Credit Score for individuals and corporates.

Mala’a membership spans across several sectors including the banking and financial sector, SME Funds, and Telecom. Mala’a is also connected to several government entities as data providers, to position Mala’a as a national databank.

The establishment of the Centre comes as an important pillar of the Central Bank of Oman’s Strategy: to establish a cross-sectored National Databank that empowers Oman to transform into a knowledge-based nation.

Our Vision

To empower Oman and its people by providing credit and financial information towards building a prosperous nation and positioning Oman on the global map

To empower Oman and its people by providing credit and financial information towards building a prosperous nation. This positions Oman on a global map and gives its people the ability to realize their dreams through clarity and awareness. 

Our Values

Integrity

Credibility in dealing with data and clients.

Diligence

A full-fledge team to achieve Mala’a’s vision.

Dynamic

Constant evolution and development.

Our Principles

Information Security

Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security. Mala’a adopts the highest standards for Data, Systems and network security.

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 the Bylaw of Royal decree 38/2019.