South Asia
Pakistan and Bangladesh. NADRA and Election Commission ID checks, eCIB and CIB reports, Raast, JazzCash, Easypaisa, bKash and Nagad, Key Fact Statements in Urdu and Bangla, and Islamic modes ready for 2028.
Lending that decides fast and explains every decision
Amanova runs your retail and SME lending from the customer's first tap to the last instalment, in your customers' languages and under your regulator's rules.
Personal finance, 600,000 over 24 months
- Identity verified with the national ID service
- Bank statement read: regular salary, no returned payments
- Credit bureau checked: no late payments
- Fraud check clear
- Debt burden 31%, inside policy
Approve
Why: steady income for 3 years, clean credit history, debt burden within limit.
An officer signs off. Every step is in the audit log.
Ready for the markets you serve
Each country comes as a pack: the national ID, mobile format, credit bureau, payment rails, lending limits and the regulator's reports. Switch the pack, and sign-up, checks and disclosures follow.
GCC
Saudi Arabia, the UAE, Qatar, Kuwait, Oman and Bahrain. Nafath and UAE Pass, SIMAH and AECB, debt burden caps, Murabaha, Tawarruq and Ijara, Arabic contracts and in-country hosting.
Africa
Nigeria, Kenya, Egypt, Ghana, Senegal and Mozambique. NIN and BVN, IPRS and Ghana Card, M-Pesa, MTN MoMo, Wave and Orange Money, USSD for feature phones, and collection-conduct rules built in.
Anywhere else
A new country is a new pack, not a new system: currency, ID rules, bureau, rate caps, cooling-off periods and languages are settings your team controls.
One platform across the whole loan
- 1
Sign up
National ID, mobile number and a one-time code. No branch visit.
- 2
Apply
Products, instalment calculator, documents and a live photo on the web, the app, WhatsApp or USSD.
- 3
Verify
Document AI reads IDs, salary slips and statements, and flags edits.
- 4
Decide
Scorecards, bureau, alternative data and policy rules, with reasons a customer can read.
- 5
Disburse
Key Fact Statement, e-acceptance and posting to your core banking system.
- 6
Collect
Early warning, next best action and respectful reminders before an account slips.
AI that works for your credit team, not around it
Every AI result is a draft until a person accepts it, and every result is kept with the model, the inputs and the reviewer. Run it with a cloud model, a model inside your own network, or none at all.
Underwriter copilot
Drafts the credit memo from the file and answers policy questions with references to your own credit policy.
Statement analyser
Finds regular income, existing repayments and returned payments, and checks whether the statement was edited.
Fraud checks
Spots reused documents, shared phones, recycled IDs and income that doesn't match the evidence.
Alternative data
Scores customers with no credit history from wallet, bill and phone data they agree to share.
Reasons, not just scores
Shows what helped and what held each application back, and tells declined customers what they can do.
Early warning
Scores every active loan each night and suggests the next action, channel and a polite message.
Customer assistant
Answers questions about products, instalments, application status and payments on the web, WhatsApp and USSD.
Model governance
Watches approval rates across groups, score drift and officer overrides, and lets you test a policy change on past applications first.
Compliance is part of the workflow
Gates stop an approval until the checks are done: KYC and sanctions screening, debt burden limits, Key Fact Statements, Shariah approval for Islamic products, and the reports your regulator and financial intelligence unit expect.
- KYC, PEP and sanctions screening with periodic review
- Credit bureau reporting files and enquiries
- Key Fact Statements, APR and cooling-off periods
- Suspicious and cash transaction reports
- Consent records and data kept in your country
- Full audit trail for every decision and AI result
Your bank, your servers, your brand
Run Amanova in your data centre, in your private cloud, or hosted by us. It carries your bank's name, colours and app, and you receive a perpetual, royalty-free licence with the full source code, so there is no lock-in.
On your premises
For banks whose regulator expects customer data in the country.
Your private cloud
In your cloud account and region, managed by your team or ours.
Hosted by SMH Global
The fastest start for microfinance banks, NBFCs and fintechs.
Deployment · Pricing and plans
Speaks your customers' languages
English, Urdu, Arabic, Bangla, French, Portuguese, Swahili and Hausa today, with right-to-left layouts for Urdu and Arabic. Add more without changing the code.
See it with your own products
We'll set up the demo with your products, your limits and your brand, then walk your credit, compliance and IT teams through it.
Book a walkthrough
Try the live demo
Email us: info@amanova.app
The demo uses fictional customers and data. Ask us for a login.