b2b - b2c

The next generation of lending

With Malaa, lenders can seamlessly embed our system into any lending journey, automating decision making with minimal technical integration

Better decisions, unlocked

Better and faster lending decisions

Our system was created for lenders to make better and faster lending decisions with low operational overhead or technical resources. We help you create, simulate and implement lending decisions.

Better decisions, unlocked

Grow your lending book, with reduced defaults

We take pride in developing our own risk models that predicts based on financial behavior. We anticipate risk through powerful machine learning algorithms allowing you to increase your lending book, stretch your risk parameters and minimize defaults

Better decisions, unlocked

Hassle free repayment plans

Lend to customers outside your consumer base and never worry about repayments, you can enable your customers to make a direct payment to you from their bank account. Less expensive and gives better customer experience

Get to know us better

Who may see my private data when I share it in Credit Scoring?

Your data remains yours, only. Mala’a is a Privacy-first solution, and we protect consumers’ data from being shared with any third party whether a bank or a financing company. The AI automatically processes your data to generate a Mala’a score that will be accessible to our partners.

What does my Mala’a score represent?

We are committed to the highest standards of security. Your personal, and account information are protected against unauthorized access, they are always encrypted when transmitted or stored.

Can Credit Scoring help me get the credit if I am currently non‑employed?

We are committed to the highest standards of security. Your personal, and account information are protected against unauthorized access, they are always encrypted when transmitted or stored.

It’s high time to understand the essence of your finances

Financial literacy is part and parcel of today’s world, where everything runs at light speed. Our library is a one-size-fits-all solution to delve further into your financial behavior and learn how to make any credit work for you.

Takes 5 minutes

What is the compound interest?

To see the sense in the interest rate suggested by the bank, you need to know how does it affect your payments.

Takes 4 minutes

How does the credit score work?

Find out the short and sweet way for any bank to know what borrower you’re.

Takes 6 minutes

What is the point of a personal credit profile?

Past isn’t always the past, especially for loan providers. Check how your credit history affects your present.

Want to reach out? Fill out the form and we’ll get back to you

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

You are not just a credit score, we'll make sure of it

Get better representation today, access reasonable financing with few steps