Network International and AdalFi Partner to Unlock Cash-Flow Lending Across MEA

Dubai-headquartered Network International has partnered with AdalFi, a provider of credit infrastructure and cash-flow credit scoring, to help financial institutions across the Middle East and Africa turn everyday payment data into lending.

The collaboration combines Network International's regional payments reach with AdalFi's machine-learning decisioning, giving banks a real-time view of loan affordability and creditworthiness built from how customers earn, spend and manage cash flow.

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, creating a direct path from payment insight to credit action.

For financial institutions, the aim is faster, more relevant credit decisions and responsible portfolio growth. For consumers and SMEs, including those with thin or no credit history, it means offers grounded in how they actually manage money, alongside conventional credit records.

AdalFi has enabled more than US$400 million in lending through partner banks using cash-flow data. Network International works with 250+ financial institutions and 240,000+ merchants across 50+ countries.

“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.