Pakistan’s AdalFi Takes Cash-Flow Credit Scoring Technology to Financial Institutions Across MENA and Africa

LAHORE: AdalFi, which is set to become the first fintech company listed on the Pakistan Stock Exchange (PSX), has partnered with Network International to introduce its cash-flow-based credit scoring technology to financial institutions across the Middle East and Africa.

The collaboration will combine Network International’s extensive payments network with AdalFi’s machine-learning-powered credit decisioning technology. Network International serves more than 250 financial institutions and 240,000 merchants across over 50 countries.

Partnership to Turn Payment Data into Real-Time Credit Insights

Under the agreement, the two companies will use everyday payment transactions to help financial institutions assess borrowers’ creditworthiness and loan affordability in real time. The technology is expected to enable lenders to move beyond broad lending campaigns and provide more targeted, pre-qualified credit offers.

Network International will identify lending and cross-selling opportunities through payment data, while AdalFi will develop and validate credit-scoring and customer-segmentation models. AdalFi will also integrate its decision-making technology into Network International’s platform.

AdalFi Takes Pakistan’s Digital Lending Model to International Markets

The partnership will extend a lending model developed in Pakistan to new markets across the Middle East and Africa.

Since 2021, more than Rs110 billion has been lent through AdalFi’s platform by its nine partner banks, including six of Pakistan’s ten largest banks. The platform has reached over 130,000 borrowers, with more than half accessing formal credit for the first time.

According to the figures provided, AdalFi’s platform has recorded a default rate of approximately 0.2%, compared with around 3.5% for conventionally underwritten bank credit.

Network International Highlights Responsible Lending Opportunities

Ronen Spivak, Group Head of Value Added Services at Network International, said the partnership would combine real-time transaction insights with advanced credit decisioning to help financial institutions identify lending opportunities, deliver relevant offers and strengthen customer relationships.

He said the collaboration would turn payment data into practical tools supporting responsible access to finance for consumers and small and medium-sized enterprises (SMEs) across the Middle East and Africa.

AdalFi CEO Sees Payments Data as the Next Lending Opportunity

Salman Akhtar, Chief Executive Officer of AdalFi, said customers’ everyday payment activities already contain valuable signals that can help financial institutions identify lending opportunities.

He said integrating this intelligence into Network International’s platform would help banks move beyond static credit assessments and use real-world transaction data to develop more timely and responsible lending opportunities.

About AdalFi

AdalFi is a digital lending infrastructure company that provides cash-flow-based credit scores for consumer and SME lending. Its platform enables banks and financial institutions to assess borrowers using transaction data and disburse loans through integrations with core banking and loan management systems.