Business Solutions

Instant Decision Module

Instant Decision Module (IDM) permits immediate accurate lending decisions. It is a Software as a Service (SaaS) solution dedicated to Digital and Mobile Lenders across all sectors.

The Instant Decision Module provides increased opportunities for established lenders, which enables automated credit decisions with simple integration and minimal IT integration.

Credit Bureau Data & Alternative Data

Credit Bureau data covers both credit and financial transactions data and alternative data includes data from telecom re-payment history, payments systems ( mobile wallets) etc.  

Mala’a’s ability to combine credit bureau data with alternative data makes the Instant Decision Module unique. All this information is available online without complex integration. Instant Decision Module results from the benefits Mala’a possesses of integrating Credit Risk Management know-how and in-depth expertise in Instant Decisioning & Scoring Technology.

Instant Decision Module solution significantly reduces or eliminates the effort needed to assess customers based on credit data.  In addition, the IDM allows unification and centralization of the evaluation process.

Instant Decision Module eliminates human errors and manipulations, stores data for decision-making policy enhancements and enables custom printouts to ensure documentation processing efficiency.

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August 9, 2021

Mala’a offers Credit Score to assist Credit Risk Management in the Financial sector

MUSCAT, July 1: Oman Credit and Financial Information Centre (Mala’a) offers Credit Bureau services to enhance the creditworthiness of the individuals and corporates in the Sultanate in line with Oman Vision 2040, said Mala’a’s Managing Director Mr. Aadil Al Saadi. This supports financial inclusion by ensuring responsible financing in addition to improved credit risk management. […]

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August 9, 2021

Mala’a received 740,000 Credit Report applications received in 2020, and 37 Membership Agreements signed so far

Muscat- June  Oman Credit and Financial Information Center (Mala’) was established in 2019 by Royal decree 38\2019 as the first pillar of the Central Bank of Oman’s 2019-2021 Strategy to enhance the business environment towards implementing Oman 2040 Vision. The center offers credit and financial reports and scores for individuals and corporates and aims to be Oman’s national […]

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November 29, 2020

Oman Credit and Information Centre Signs an MoU with Jusoor Foundation

Muscat\ Oman Credit and Financial Information Center (Mala’a) signed a Memorandum of Understanding with Jusoor Foundation on November 29th 2020 that states providing credit and financial information about Jusoor Foundation’s service providers, individuals and supplying or project executing corporates. The information will be used to assess the clients’ solvency and creditworthiness as stipulated in the […]

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