Core Banking
Core replacement, vendor selection, and coexistence strategies for retail, corporate, and treasury workloads in the Gulf.
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Sharia-compliant products and operations engineered for auditability and scale.
The Challenge
Islamic windows and full-fledged banks must demonstrate Sharia authenticity in contracts, profit distribution, and customer communications—not only in marketing. Manual spreadsheets and disconnected systems create reconciliation gaps and scholar review bottlenecks.
Product innovation in murabaha, ijara, sukuk, and digital wallets often outpaces core parameterisation, leaving operations to patch processes outside the system of record.
Cross-border Gulf operations add complexity: different supervisory interpretations, Arabic legal drafting, and profit-rate benchmark changes require traceable policy implementation.
Our Approach
We partner with your Sharia board, finance, and technology teams to embed compliant product logic in core, channel, and finance systems with clear audit trails for contracts, allocations, and disclosures.
Our consultants translate fatwa and policy into configurable rules, workflow checkpoints, and reporting packs regulators and internal audit can rely on.
From greenfield Islamic banks to conversions of conventional portfolios, we deliver programmes that respect both faith-based principles and operational pragmatism.
What We Deliver
End-to-end outcomes—from design through run—with evidence your risk and audit teams expect.
Committee workflows, documentation standards, and escalation paths digitised end to end.
Digital contract generation with version control and bilingual legal text.
Pool management, PLS allocations, and investor reporting integrated with finance.
Asset-backed workflows from application through disbursement and servicing.
Issuance tracking, covenant monitoring, and investor communications tooling.
Automated checks for prohibited elements and transparent customer disclosures.
Secure review interfaces with evidence packs for periodic certifications.
Mobile experiences explaining structures clearly in Arabic and English.
Engagement
Choose the commercial and operating model that fits your programme maturity and internal capacity.
Advisory engagements that shape strategy and de-risk decisions.
Fixed-scope delivery teams accountable for outcomes.
End-to-end run, monitoring, and continuous improvement.
Industries
Speak with our Gulf-based specialists about your roadmap, regulatory context, and delivery timeline—we typically respond within one business day.
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