Strategy and Solutions
The client is a leading bank headquartered in the MENA region with a strong retail and SME banking footprint across multiple countries. While the bank had an established balance-sheet lending business, it faced rising competition from fintechs offering faster digital lending and more flexible investment options. Younger customers and digitally savvy investors were increasingly drawn to peer-to-peer (P2P) models offering transparent returns and app-first experiences.
The bank saw P2P lending as both a growth opportunity and a strategic hedge against fintech disruption, but building a marketplace from scratch would require long timelines, heavy regulatory coordination, and significant technology investment. To move quickly without compromising compliance or brand control, the bank partnered with Zymr to deploy a white-label P2P platform fully branded, localized, and integrated into its existing banking ecosystem.
The bank needed to launch quickly in a market where fintech entrants were setting new expectations, but time-to-market pressure collided with a complex regulatory environment that demanded strong KYC and AML enforcement, investor suitability controls, lending caps, and audit-ready reporting. The platform also had to integrate cleanly with mature core banking systems for identity, account handling, settlement, and reconciliation while maintaining clear separation between balance-sheet lending and marketplace activity. Localization was essential for adoption, requiring Arabic language support, right-to-left UX patterns, local currency handling, and region-appropriate terminology. Finally, the marketplace needed to expand borrower access responsibly while giving investors transparent risk grading and portfolio protections to maintain trust under regulatory oversight.
Zymr helped the bank enter the P2P lending market at fintech speed while maintaining regulatory control, integration integrity, and brand trust. By deploying a compliant, localized white-label platform integrated into core banking rails, the bank expanded digital engagement, unlocked new revenue streams, and created a scalable blueprint for regional expansion. This case demonstrates how established banks can modernize lending and investment experiences quickly without compromising governance, operational stability, or customer confidence.
Regulatory Confidence and Audit Readiness
Embedded reporting and governance supported smooth oversight and reviews.
Zymr deployed a white-label P2P marketplace customized for the bank’s brand, compliance posture, language needs, and integration landscape.
Governance and Oversight Dashboards
Provided visibility into loan volume, participation, delinquencies, defaults, and regulatory metrics for risk and compliance teams.
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