Ijarah OS · Bank pitch matrix
Islamic home-finance origination OS for UAE / GCC banks. Not a consumer marketplace. Not a core replacement.
Peers referenced
HES LoanBox · Nucleus FinnOne Neo Islamic · Newgen LOS · Axe Finance ACP · Azentio iMAL · Blend · Encompass (ICE) · Holo / PRYPCO
What the bank cares about
Ijarah OS column highlighted. Print or copy the link for the meeting.
| Dimension | Ijarah OS | Islamic LOS peersHES · FinnOne · Newgen · Axe | Islamic coreiMAL · Temenos | Global mortgage LOSBlend · Encompass | Consumer aggregatorsHolo · PRYPCO |
|---|---|---|---|---|---|
| Who buys it | Bank officer OS | Bank / NBFC LOS | Bank IT / core | US lender factory | Buyer + broker |
| Islamic home-finance native | Ijarah · Forward · Murabaha | Strong contract set | Native AAOIFI core | None | Routes to banks only |
| Bank keeps formal gates | Design principle | Often absorbed | Core-level control | Automation-first | No bank desk |
| 80/20 dual-rail + paid assisted | Operating model | Not offered | Not offered | Not offered | Not offered |
| Two-layer offer (indicative / confirmed) | Built-in | Not public | Not public | Conventional only | Fast pre-approval |
| Partner attribution + fee visibility | Portal + codes | Usually afterthought | Weak | Weak | Owns the channel |
| Policy Studio (bank-owned rules) | Envelope live | Strong product engines | Core configuration | Enterprise rules | None |
| UAE rails (EN/AR · WhatsApp · UAE Pass) | First-class | Partial GCC | Partial | US-centric | Strong UAE consumer UX |
| Speed to pilot value | Meeting-ready desk | Typically 3–6 months | 6–12+ months | Fast if US market | Already live to consumer |
| Best capital use | Origination OS wedge | Full lending stack | Replace the core | Wrong geography | Front door only |
THE WEDGE
80% clean · 20% paid assisted
80% clean files on a light-touch rail. 20% complex files on a paid assisted desk. Formal gates stay with the bank.
DO NOT BUY US FOR
What we are not
Core replacement · Full servicing/collections · Multi-bank consumer front door · US secondary-market LOS.
THE ASK
90-day pilot on your book
Measure: % on standard rail, cost per funded file, assisted conversion, officer load.
Why this wedge now
In disruption, banks need a front door they own — fast, without a core rewrite.
Peers either replace the core (slow, expensive) or build a third-party consumer front door. Ijarah OS is the wedge: Islamic-native origination, bank-owned formal gates, 80/20 dual-rail, partner attribution — meeting-ready in ninety days.