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Mala’a Believes in Innovation

Fintech brings exciting developments to the Credit and Financial Industry worldwide. By utilising Data Sources and New Technologies such as, Mala’a contributes through its innovative products to male affordable credit accessible to all.

Mala’a is committed to be a key player in introducing the global benefits of Fintech innovations to the Sultanate.  Primary Fintech Innovations include:

Mobile Scoring

The ability to extract predictive data from mobile phones has allowed Credit to reach people who previously couldn’t access it such as the youth, informal workers sector and those living in rural areas.

Psychometric Scoring

With proven links between an individual’s personality type and their financial behavior, it is possible to enable access to credit through a simple personality test.

KYC & Compliance

Facial Recognition and validation against Credit Bureau records allows for efficient and accurate identity verification.