NOUR
Unlocks credit for the 40% of GCC residents with no bureau file
40% of UAE and KSA residents — mostly expats — are invisible to traditional credit bureaus. Banks reject them outright, losing billions in addressable lending revenue to informal lenders and fintechs.
NOUR analyses alternative data signals (remittance patterns, utility payments, employer data) and generates a complete credit memo with a risk-adjusted lending recommendation — in Arabic and English.
40% of applicants auto-rejected
No alternative data analysis
Billions in lending revenue lost to fintechs
Manual underwriting — weeks of delay
Alternative credit scoring in 60 seconds
850K+ new addressable customers
Bilingual credit memo for underwriters
Risk-adjusted lending at scale
NOUR pulls remittance history, utility payment records, employer verification, and mobile money patterns — no bureau file required.
Identifies positive signals: consistent remittances, stable employer, on-time utility payments, and spending regularity.
Generates a bilingual credit memo with risk tier, recommended credit limit, and supporting evidence narrative.
Delivers a structured memo to the underwriter with a clear approve/decline recommendation and audit trail.
NOUR turns your biggest credit gap into your fastest-growing loan book segment.