Case study · Digital lending, Saudi Arabia

Saudi Arabia's second-largest retail microfinancier replaced its legacy lending system with Azentio's platform. Here's what changed in the first two months, in the business's own numbers.

Impact statement, first 60 days

80%

Reduction in campaign launch turnaround time

100%

Removal of IT dependency for credit rule changes

50%

Increase in loan applications within 2 months of golive

Tamam Financing is a Zain KSA subsidiary, licensed by the Saudi Central Bank (SAMA) in 2019. It was the Kingdom's first fully digital, paperless microfinance lender and is now its second-largest retail microfinancier.

What's inside the case study

  • The 5 operational gaps that were capping Tamam's lending volume before the switch, including where the legacy system's architecture broke under partner integrations.
  • How credit policy changes moved from an IT ticket to a same-day internal change, and what that meant for SAMA compliance reporting.
  • The API-first architecture decision behind real-time e-KYC and automated credit decisioning at scale.
  • The full interview with Tamam's CTO on balancing speed with strict Shari'ah compliance.

Tamam Financing and Azentio's collaboration serves as an example of how next-generation digital lending platforms can advance financial inclusion, customer experience, and compliance. By embracing automation and configurability, Tamam is revolutionizing microfinance in Saudi Arabia and shaping the future of Shari'ah-compliant lending in accordance with Vision 2030.

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As a digital microfinance institution in a regulated Shari’ah-compliant setup, we needed a platform that could manage both speed and strict compliance. Azentio's Lending solution gave us that edge. It helped us automate process-heavy activities, stay ready for audits, and grow quickly without losing control.
Abdulrazaq Fuad Hindi
CTO, Tamam Financing