BANKING SYSTEMS FOR ISLAMIC FINANCE
Every bank runs seven-eighths of a system. We built the missing piece.
MaalOS is a modular platform for Islamic banks — SME financing, digital channels, agency banking, and compliance. Shariah-first by design, deployed on your own infrastructure, live in 12 weeks.
MAALOS FINANCE · DALJIR BANK — DEMO ENVIRONMENT
- BUILT ON AAOIFI STANDARDS
- DEPLOYED ON-PREMISE — YOUR DATA STAYS YOURS
- ENGINEERED BY BANKERS, FOR BANKS
01 — THE GAP
Global core systems weren't built for your market.
Legacy Islamic banking vendors charge millions, take years to implement, and treat East Africa as an afterthought. Modern banks need systems that speak Murabaha natively, run on their own servers, integrate with mobile money, and adapt as fast as regulation does.
YOUR SYSTEMS TODAY — ONE SEGMENT SHORT
02 — THE PLATFORM
One platform. Four modules. Your configuration.
MaalOS Finance
READY TODAYThe complete Murabaha lifecycle: onboarding, credit assessment, Shariah-compliant contracts, disbursement, installments, collateral, arrears.
SS-8 · FAS 28 · SME
MaalOS Digital
Internet and mobile banking for retail and corporate customers.
WEB · MOBILE · MOBILE MONEY
MaalOS Agency
Agent and branchless banking for networks that reach beyond branches.
AGENTS · FLOAT · FIELD OPS
03 — THE METHOD
The base system is built. We shape it around you.
Every bank works differently. MaalOS ships as a working product — then our engineers configure workflows, approval hierarchies, document templates, and reports to match exactly how your bank operates. Modifications aren't a risk to your timeline; they're part of our delivery plan.
04 — CONTROL
Your servers. Your data. Your control.
MaalOS deploys on-premise or in your private cloud. Role-based access, full audit trails, encryption at rest and in transit. Source-code escrow available.
See MaalOS running in 30 minutes.
We'll walk through a full Murabaha financing cycle, end to end — on a live system.