Moneymoon

Client Problem

Traditional financing in Saudi Arabia was inaccessible for short-term personal needs (1,000–5,000 SAR), with lengthy bank approvals, rigid eligibility, and few Shariah-compliant options. The regulatory environment required meeting stringent SAMA requirements for an entirely new financial service category.

Our Solution

AbwabDigital built a comprehensive fintech ecosystem with a Murabaha-based financing model overseen by an independent Shariah committee. AI/ML enables instant credit assessment considering employment, salary, and behavioral data. The platform features legally binding e-signatures, automated repayment scheduling, and legal enforcement through the Ministry of Justice.