Network International and AdalFi Partner to Widen Access to Credit Through Cash-Flow Lending

Network International and AdalFi have partnered to turn everyday payment data into credit intelligence for financial institutions across the Middle East and Africa, with the aim of widening access to finance for consumers and SMEs.

The partnership combines the payments reach of Network International, which has operations in Egypt and works with 250+ financial institutions across 50+ countries, with AdalFi's cash-flow credit scoring. Lenders will be able to assess applicants on how they actually earn, spend and manage cash flow, alongside conventional credit records.

Network International will identify lending and cross-sell opportunities within payment data. AdalFi will develop and validate scoring and customer-segmentation models and integrate its decisioning into Network International's platform, so participating institutions can reach suitable customers with pre-qualified offers at the point of need.

For SMEs and individuals with thin or no credit history, that means offers grounded in demonstrated cash-flow behaviour. AdalFi has enabled more than US$400 million in lending through partner banks using cash-flow data.

“Through this partnership, we are combining real-time transaction insights at Network with advanced credit decisioning to help our clients identify lending opportunities, deliver more relevant offers and deepen customer relationships. The collaboration delivers our value-added services proposition by turning payment data into practical tools that support responsible access to finance for consumers and SMEs across the Middle East and Africa,” said Ronen Spivak, Group Head, Value Added Services, Network International.

“The next lending opportunity is already visible in the payments customers make every day. By embedding this intelligence within Network International's platform, we can help banks move from static credit snapshots to timely, real-world signals and turn the data they already hold into responsible lending opportunities,” said Salman Akhtar, Chief Executive Officer of AdalFi.

About AdalFi

AdalFi is a digital lending infrastructure company and provider of next-generation cash-flow credit scores for consumer and SME lending. Its platform lets banks and finance companies score borrowers on transaction data and disburse loans through integrations with core banking and loan management systems. www.adalfi.com

About Network International

Network International is a leading fintech company in the Middle East and Africa. Its purpose is to help businesses and economies grow by simplifying payments and commerce. It serves banks, fintechs, telcos, merchants, governments and public sector entities across 50+ countries, with a team of 3,000+ working with 250+ financial institutions and 240,000+ merchants.