Prestige LOSPersonal finance · Loan origination & management
Apply. Approved. Funded. In minutes.
A personal loan, start to finish on the customer’s phone: identity verified through Nafath, eligibility checked live against the lending cap, every cost disclosed, signed and disbursed, then serviced and settled.
High-fidelity prototype · ready for a branded pilot
- 100% digital, no branch
- Murabaha & Tawarruq
- Arabic & English
- Light & dark
The customer journey
Seven steps, one phone, no branch.
Eligibility first: the customer is qualified before any amount is shown, so nobody is promised a loan they cannot have.
Mobile number and one-time code, then identity verified through Nafath in one tap.
Step 1 · Sign in
Compliance by design
Designed around Saudi regulation, not retrofitted to it.
The credit, disclosure and consent touchpoints a lender’s risk, compliance and Shariah teams look for are part of the journey itself.
SAMA
Responsible lending
Config-driven debt-burden caps, effective APR and Key Facts disclosure, a cooling-off period and capped early-settlement cost.
Shariah
Murabaha & Tawarruq
Disclosed profit rather than interest, with a rebate on remaining profit when the customer settles early.
KYC / AML
Verified identity
Nafath and Yakeen identity, SIMAH credit data, PEP and sanctions screening, and quality checks on captured documents.
Data
Granular consent
Separate, time-stamped consents (credit bureau, AML, personal-data processing, FATCA) kept with an audit trail.
Architecture
Policy, not code
Decisioning belongs on the server, and regulatory limits are served from policy configuration, never hard-coded.
Regulatory and Shariah approval of any live deployment rests with the lender, its regulator and its Shariah board.
National integrations
Designed for the national rails.
Each step of the journey is modelled on the service that will sit behind it.
In the prototype these connections are simulated. Wiring them to live services is part of the build phase.
Nafath
Identity & e-signature
Yakeen
Identity data
SIMAH
Credit bureau
GOSI
Salary verification
WPS
Wage data
SARIE
Disbursement
SADAD
Bill payment
Any card: mada, Visa or debit
Card payment
Apple Pay
Wallet payment
After disbursement
A living account, not a PDF.
Origination is half the product. The same app carries the loan through repayment, early settlement and closure.
Dashboard
Outstanding balance, next payment and recent activity.
Repayment plan
Paid, due and upcoming instalments at a glance.
Full schedule
A previewable, downloadable amortisation document.
Payments
Instalment, pay-ahead or custom amounts across payment methods.
Early settlement
A transparent quote with the capped cost and the profit rebate.
Closure
Settlement confirmed and a clearance certificate ready.
Arabic and English. Light and dark.
Every screen flips to right-to-left Arabic and to a dark theme, and it can carry your brand.
English · light
Arabic · right-to-left
Dark theme
See it move
The whole journey, on film.
A narrated walkthrough from first tap to money in the account, and a short vertical cut.
Where it stands
Clear about what is built, and what comes next.
Complete today
- The full customer journey and UX, from sign-in to closure
- 40+ screens across origination, servicing and settlement
- Arabic and English, light and dark themes
- Eligibility, instalment and effective-APR calculations modelled
- Conditional, declined and failed-payment paths, not only the happy path
The build phase
- Live connections to the national services and payment rails
- A server-side credit decision engine on your policy
- Integration with your core and finance systems
- Your brand, products and pricing
- Review with your risk, compliance and Shariah teams
Prestige LOS is a high-fidelity prototype. It is not yet running in production with any lender.
Ready for a branded pilot.
We will walk your business, risk, compliance and IT teams through the full journey, and scope what a pilot under your brand would take.