In a bold move to transform access to credit and accelerate financial inclusion across the Middle East, Yabx, a global leader in digital lending solutions, has entered a strategic partnership with Modupay, the leading payments tech enabler across Africa & the Middle East. This collaboration aims to lay down digital lending infrastructure that will enable banks and fintechs to launch innovative credit experiences; faster, securely, and at scale, Invest-Gate reports.
Building the Foundation for Embedded Credit
This partnership lays the foundational rails for embedded credit in one of the most digitally forward yet under-lent regions in the world. By integrating Yabx’s AI-powered credit decisioning and lending operations platform with Modupay’s robust issuing and processing capabilities, the collaboration will empower financial institutions to offer unsecured nano-credit and installment loans natively through digital wallets, banking apps, and agent channels.
Yabx’s Digital Lending Capabilities
Yabx, known for its agile, low-code/no-code lending automation platform, has already powered inclusive credit ecosystems in over 20 emerging markets, working closely with banks, mobile money operators, and fintechs. Its AI-driven credit scoring, digital journey management, and alternate data-based risk management capabilities have made credit accessible to first-time borrowers. It is now rapidly enabling launch and scale of new digital lending programs for established banks as well as new age fintechs targeting consumers and SMEs.
Rajat Dayal on the Partnership
Commenting on the partnership, Rajat Dayal, CEO of Yabx, said:
“The Middle East represents a massive, untapped opportunity for inclusive credit, especially among youth, gig workers, and micro-entrepreneurs. By joining hands with Modupay, we are bringing together decades of regional infrastructure and global lending innovation to reimagine how people access money; digitally, instantly, and responsibly.”
Modupay’s Regional Capabilities
Modupay, headquartered in Cairo, is a trusted partner to over 200 banks and 50+ fintechs across 40+ countries, offering cloud-native, API-first solutions in card issuing, processing, tokenization, and digital payments. With over 340 million cards processed and deep expertise in card personalization, security, and instant issuance, Modupay’s platform is built for scale and speed.
Ahmed Nafie on the Partnership
Ahmed Nafie, CEO of Modupay, added:
“We see tremendous synergies between our platform and Yabx’s digital lending engine. Together, we’re enabling a future where credit is seamlessly embedded into every financial journey, personalized, secure, and delivered in real time. This partnership represents a major step forward in accelerating innovation for banks and fintechs, empowering them to launch transformative credit experiences with the speed, scalability, and trust they’ve come to expect from Modupay.”
Initial Markets and Use Cases
The collaboration will initially focus on select markets in the GCC and North Africa, where digital wallet penetration and mobile banking adoption are growing rapidly. Use cases include loan origination and loan governance across embedded channels and various digital use cases for both consumers and businesses.
The Future of Digital Credit Innovation
As financial services across the Middle East & Africa evolve toward embedded and experience-first models, this alliance between Yabx and Modupay is poised to become the backbone of next-generation credit innovation.