Giving away the front door is costing FAB Islamic over AED 500 million.
Giving away the front door is costing FAB Islamic over AED 500 million of franchise value. Ijarah OS puts about AED 50 million a year back on the P&L — 111 times the licence — and you keep the customer.
Giving away the front door is costing you over AED 500 million
About AED 50 million a year off the P&L. At ten times earnings, that is five hundred million of franchise value — sitting on someone else’s multiple.
- Not an IT problem. A multiple problem.
- FAB Islamic still funds the home. Someone else owns the first click.
- This is what Ijarah OS is built to take back.
Ijarah OS · FAB Islamic
02 · Three outcomes that matter
Volume growth · cost reduction · time-to-market
1. Own the first click
Portals, WhatsApp, ADHA extra finance, and web feed one FAB Islamic queue. Partners introduce — you keep the customer under your name.
Less dependence on third-party apps for the start of an Ijara file. More journeys that start as FAB Islamic.
2. Slash unit costs
Less re-keying and rework. A proprietary apply journey catches gaps early. Officers work cleaner, high-intent packs.
Cost per file falls when staff stop cleaning messes and start deciding credit and Shariah.
3. No core rewrite to start
Live pilot in about 90 days. Officers work the file first. Deep core links wait until value is proven.
The pilot is not blocked on a multi-year group IT programme.
03 · Short briefing film
Seven chapters with voice — AED 500 million of franchise value, how the AED 50 million is built, and what Ijarah OS puts on FAB Islamic’s P&L.
04 · Simple numbers — you set them
The model is already loaded with a FAB Islamic-scale book: 400 files a month, AED 1.5 million a ticket, AED 3,600 a file. Change it until it feels like yours.
- Enter your book: applications, ticket, cost per file, drop-outs.
- See savings shape vs platform cost — you own the assumptions.
- Illustrative payback — for conversation, not a formal model.
05 · 90-day pilot package
A clear commercial next step under the FAB Islamic brand.
- Customer apply under FAB Islamic name (EN / AR) — proprietary Ijara journey
- 5–10 real estate agencies in Partner Workspace
- Officer Command Center with human gates (valuation, credit, Shariah)
- Weekly review: completion, cycle time, partner-sourced files, unit cost
Indicative commercial band
From AED 180k
Setup + 90 days licensed access. Final terms after scope freeze with Products — not a binding quote.
When you are ready
Next step: NDA, then a full walkthrough of the proprietary customer journey and Command Center. Reply on the thread that shared this link to schedule with Products.
Control answers
Who owns the customer?
FAB Islamic. Ijarah OS is licensed software — not a marketplace brand in the middle.
Who decides credit and Shariah?
Your officers. The app prepares and routes. Nothing funds without bank human gates.
Do we rewrite group core first?
No. Pilot runs on clean files and officer control first. Deep core links follow after value is proven.
Where does data sit?
Private bank environment per tenant. Banks do not share customers. Hosting options set at pilot kickoff.
Audit trail?
Policy version, document sources, officer actions, and Shariah steps stay on the file.
Under your brand. Lower unit cost. No core rewrite to start.
Ijarah OS runs the software. FAB Islamic keeps the customer.
Ijarah OS · FAB Islamic briefing