Network International and AdalFi Partner on Cash-Flow Lending for Consumers and SMEs

Network International and AdalFi have partnered to help financial institutions across the Middle East and Africa use payment data to extend credit faster, and to more consumers and SMEs.

For lenders in markets like Saudi Arabia, where widening access to finance for individuals and small businesses is a priority under the Financial Sector Development Program of Vision 2030, the partnership offers a way to assess customers on demonstrated cash-flow behaviour, including those with thin or no traditional credit history.

The collaboration combines Network International's payments reach, which spans 250+ financial institutions in 50+ countries and includes operations in the Kingdom, with AdalFi's machine-learning credit decisioning. Network International will identify lending and cross-sell opportunities within payment data, and AdalFi will develop and validate scoring and segmentation models and integrate decisioning into Network International's platform.

Participating institutions will be able to move from broad lending campaigns to tailored, pre-qualified offers, delivered at the point of need. 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.