Questions banks ask
Licensed software so the bank owns the first click, cuts cost per file, and goes live in about ninety days — without a core rewrite.
Partnership
If we pay for a pilot, do we own the software?
No. Fees purchase licensed access to a private bank environment and related services. Ijarah OS keeps the platform technology. You keep your brand, policy content, customer data, and credit decisions.
Partnership
Is this outsourced development or a joint product company?
Neither by default. You license a finished platform and configure it. Configuration does not create joint ownership of the software. Optional co-marketing can be agreed separately without transferring source code.
Partnership
Can other banks use the same platform?
Yes — each partner bank has a private, isolated environment. Your rules, brand, and customers never become another bank’s product. That isolation is intentional and contractual.
Partnership
Can we have exclusivity in the UAE?
Exclusivity is a commercial schedule, not the default. Design-partner preference can be negotiated; it still does not transfer platform ownership.
Brand & customers
What does the customer see?
Your logo, colours, and wording. Optional “Delivered with Ijarah OS” footer for transparency. Applicants experience your bank — not a marketplace of other banks.
Brand & customers
Who owns the customer relationship?
You do. Always. We do not become the bank of record or the relationship owner.
Brand & customers
Can our systems integrator rebuild this inside the bank?
They can integrate through your licensed interfaces. Rebuilding the whole platform is usually slower and more expensive. Integrators may implement connections under your Ijarah OS license — not create a competing copy of the product.
Product scope
What products are live today?
Islamic home finance is deepest (Ijarah, Forward Ijarah, Murabaha). Personal finance ships with a full DBR pack and officer cases. Auto is on the same front door as a demo path. Cards and SME are on the roadmap. Banks turn modules on when ready.
Product scope
Can a customer apply for more than one product at once?
Yes. The customer can select home, personal, auto — or several — with one income story and combined affordability. Shared UAE Pass, salary, and credit rails run once for the whole basket.
Product scope
Why not all loan products — one stop for every facility?
We expand on purpose. Home finance is the hardest high-value retail wedge: property, long tenure, affordability, valuation, and Shariah structure. Personal and auto already ride the same engine. Building “everything” on day one usually means nothing ships well.
Product scope
What is the 360° platform value in one line?
Licensed software so the bank owns the first click, cuts cost per file, and goes live in about ninety days — without a core rewrite.
Rails & channels
Do UAE Pass, salary, and credit apply to every product?
Yes. One shared start for home, personal, and auto: identity, wage attestation when connected, bureau obligations with consent, then document vault or OCR only if a source is empty.
Rails & channels
Can we plug property portals and agencies?
Yes. Origination channels include Property Finder / Bayut / dubizzle-style adapters, partner agencies with attribution, WhatsApp, website widget, and custom webhooks — one pipe into your bank under your brand and rules.
Rules & compliance
Can we add and remove our own Shariah and credit rules?
Yes. Policy Studio lets your teams add, edit, and retire rules, limits, exceptions, and customer messages. You own the content; the platform applies it with an audit trail.
Rules & compliance
Who is responsible if an automated outcome is wrong?
Credit decision authority stays with the bank. Early pilots keep human confirmation on offers. Ijarah OS provides tooling and trails; your policies and approvals govern outcomes.
Rules & compliance
Can the Shariah board sample decisions?
Yes. Structure-relevant checks leave an explainable trail for board and internal audit. Silent override of board rules is not a product feature.
Rules & compliance
How do we change limits without waiting on IT?
Authorised bank administrators use Policy Studio. Changes are time-stamped with the actor. You can export the pack for change control if required.
Getting started
Can we explore without a long RFP?
Yes. Configure brand and rules and read the MOU/SOW/FAQ immediately. Watch the EN/AR product film. Live production connections still need bank credentials and a signed pilot SOW.
Getting started
What should leadership watch first?
The full product film at /walkthrough (English or Arabic voice follows the language toggle), then walk a file as a customer and as an officer.