Custom Software for Banks and Fintechs in Dubai

Most banks and fintechs see the first production module - typically onboarding or digital channels - live inside 12-18 weeks from the end of Discovery. The augmentation layer, core integration, and UAE Pass / KYC tooling are typically live in weeks 6-10, with SME, corporate, and Islamic banking modules layered in over the following quarters. Timelines are driven more by the bank's core integration cycle and regulatory sign-off than by engineering capacity.

No - and deliberately so. Core replacement is a 3-5 year programme costing USD 40-100M and is rarely the right answer. We build an augmentation layer that sits alongside your existing Infosys Finacle, Oracle FLEXCUBE, Temenos Transact, Finastra Fusion, Mambu, Thought Machine Vault, or proprietary core, modernising the customer experience, digital channels, and product launch capability without touching the core. The core remains the system of record for balances and ledger; the augmentation layer owns everything the customer sees and everything the product team builds.

Yes. The platform supports parallel operation of conventional and Islamic products against a single customer identity - a customer can hold both conventional deposits and Shariah-compliant products under one CIF. Murabaha, Ijarah, Wakalah, and Mudarabah are first-class product templates with Shariah Supervisory Board workflow, profit distribution calculations, and AAOIFI-aligned reporting. This is a different architecture from bolting an Islamic module onto a conventional core and works for fully Islamic banks, conventional banks with Islamic windows, and dual-licensed institutions.

The Discovery Phase is a fixed AED 42,000. Platform builds vary significantly by scope - a focused digital onboarding and retail channel build for a fintech typically runs AED 800,000-1.8M, while a full core augmentation programme for an established bank with multiple segments and Islamic banking runs higher. The Discovery Report includes a fixed-price proposal for each module so there are no surprises before you commit to the build phase.

UAE Pass is integrated as an OpenID Connect identity provider. Retail customers authenticate with their Emirates ID and UAE Pass credentials, and the bank receives verified identity attributes (name, date of birth, Emirates ID, passport) without manual document collection. Combined with a liveness check or video KYC for CBUAE compliance, retail account opening drops from 5-10 days to under 4 minutes. UAE Pass is also used post-onboarding for authentication, transaction signing, and electronic document signing.

Yes. The SME and corporate portal supports configurable multi-signature matrices per account, per transaction type, and per amount. WPS salary files are validated against CBUAE rules before submission. Vendor batches, UBO refresh, board resolutions, and trade finance transactions are all managed in-portal with full audit trail. This is one of the largest operational wins for banks handling SME and corporate segments - typically removing 60-70% of relationship-manager servicing load.

Yes. The Shariah governance layer includes product approval workflow with fatwa references, Shariah Supervisory Board (SSB) review cycles, periodic Shariah audit evidence generation, and profit-distribution calculations against Mudarabah and Wakalah pools. Dual-compliance reporting - AAOIFI alongside IFRS - runs automatically where required. This is a first-class module, not a bolt-on to a conventional core.

The platform captures every transaction, customer event, and compliance decision with the fields and timestamps each regulator requires. CBUAE quarterly returns, FIA reports, AML/CTR submissions, beneficial ownership updates, and goAML XML filings are generated in the prescribed formats on demand. DIFC DFSA and ADGM FSRA reporting suites are generated automatically for entities operating under those regimes. Ad-hoc regulator requests - following complaints, audits, or thematic reviews - are produced in minutes rather than days.

Yes. The augmentation layer exposes accounts, payments, cards, and KYC as a secure, rate-limited API surface with OAuth 2.0, mTLS, and per-partner entitlements. Fintech partners, embedded finance clients, and corporate ERP integrations consume these APIs with full CBUAE-compliant audit logging. This is how banks build revenue streams from banking-as-a-service and open finance without exposing the core directly.

Yes - and this is often the sensible path. Starting with digital onboarding or the SME/corporate portal delivers the biggest immediate impact - either by closing the customer acquisition gap or by lifting corporate deposit retention. The augmentation layer is built once, and subsequent modules - Islamic banking, compliance reporting, cards, lending - layer in against the same foundation. The Discovery Report maps the phasing and dependencies explicitly.