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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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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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November 11, 2020

Oman Credit and Information Center Signs an MoU with the Ministry of Social Development

Muscat\ Oman Credit and Financial Information Center (Mala’a) signed a memorandum of Understanding with the Ministry of Social Development on November 8th 2020, to provide the MoSD with Mala’a Report and Mala’a Score for individuals and corporates. The MoU aims at assisting the ministry to evaluate the creditworthiness of its consumers and beneficiaries, in order […]

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September 17, 2020

Oman Credit and Information Center Signs an MoU with the Ministry of Agriculture and Fisheries

The Ministry of Agriculture and Fisheries Wealth signed a Memorandum of Understanding on September 17th 2020 with the Oman Credit and Financial Information Center (Mala’a) at the Ministry’s building in Al Khuwair. The MoU states that Mala’a provides credit and financial information of investors in the agriculture and fisheries sector to the Ministry, as well […]

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