AAOIFI-certified core to simplify Shari'ah-compliant banking

iMAL is the world’s leading Islamic banking platform and the only AAOIFI-certified core built specifically for Shari’ah-compliant finance. Covering retail, corporate, treasury, investment, trade finance, and microfinance, iMAL offers a comprehensive suite of solutions that enable institutions to deliver ethical, inclusive, and scalable banking, combining uncompromising compliance with agility and innovation.

Impact in numbers

countries live across the Middle East, Africa, and Asia

branches operating on the platform

customer accounts managed

assets supported

Leading Islamic banking forward

Compliance by design

Every product and process in iMAL is Shari’ah-aligned by default. This reduces compliance risk, strengthens governance, and provides regulators, boards, and customers with full confidence in every transaction.

Agility to scale

A modular, parameter-driven, flexible platform that empowers banks to launch new offerings quickly, expand into new markets, and scale operations efficiently without disruption.

Digital-first & future-ready

API-first and cloud-ready, iMAL integrates seamlessly with mobile, online, and open banking ecosystems, enabling modern, customer-centric journeys and preparing institutions for future digital innovation.

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What our customers say

Bank of Abyssinia scales interest-free banking with Azentio’s iMAL.

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Products 

Comprehensive coverage for all Islamic banking needs

A robust, Shari’ah-compliant foundation that supports multi-entity, multi-currency operations with real-time processing, regulatory reporting, and a 360° customer view.
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End-to-end lifecycle management for Islamic financing products-covering origination, disbursement, repayments, and collections-ensuring compliance and efficiency at every step.
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An AAOIFI-certified profit calculation engine that automates accruals, allocations, reserves, and distributions. With advanced pool management, it enables banks to set up, monitor, and manage profit-sharing pools with full transparency.
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Comprehensive Islamic treasury management with real-time coverage of money markets, FX, and risk controls to optimize liquidity and strengthen financial resilience.
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Full-spectrum Islamic portfolio and fund management supporting sukuk, equities, commodities, and NAV-designed to streamline compliance and improve returns.
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Shari’ah-compliant trade finance that simplifies guarantees, letters of credit, and collections with automated workflows and built-in compliance checks.
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Inclusive, ethical financing for underserved communities with flexible models for group and individual lending, agent-driven workflows, and mobile support.
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An API-first, cloud-ready architecture that connects seamlessly with mobile, online, and open banking ecosystems to deliver secure and seamless omnichannel customer experiences.
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iMAL core banking

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EOL iMAL digital 12.x and 13.x

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Work with us.
Your neighbours do.

“Azentio has been a core enabler in our journey to becoming a digital first, Shari’ah-compliant corporate bank. Their AAOIFI certification and seamless integration offerings have helped us launch on time and build a solid foundation for future expansion.”

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Parvin Jain

CEO, Vision Bank

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Insights

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Frequently asked questions

Is Islamic banking only for Muslims?
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No. Islamic banking is open to everyone, Muslim and non-Muslim alike. Its principles of ethical finance, transparency, and fairness appeal to a wide audience seeking values-based financial services.

What is the difference between Islamic and conventional banking?
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What is riba, and why is it prohibited?
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What is Takaful, and how is it different from traditional insurance?
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What is AAOIFI and why is certification important in Islamic banking?
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Are Islamic banking products more expensive than conventional ones?
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How does Islamic banking support economic growth?
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Let’s begin our journey together.

We’d love to hear from you and answer your questions.

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