Giving away the front door is costing United Arab Bank over AED 100 million.
Giving away the front door is costing United Arab Bank over AED 100 million of franchise value. Ijarah OS puts about AED 10 million a year back on the P&L — 23 times the licence — and you keep the customer.
Giving away the front door is costing you over AED 100 million
About AED 10 million a year off the P&L. At ten times earnings, that is a hundred million of franchise value — sitting on someone else’s multiple.
- Not an IT problem. A multiple problem.
- United Arab Bank still funds the home. Someone else owns the first click.
- This is what Ijarah OS is built to take back.
Ijarah OS · United Arab Bank
02 · Three outcomes that matter
Volume growth · cost reduction · time-to-market
1. Own the first click
Portals, WhatsApp, and web feed one United Arab Bank queue. Partners introduce — you keep the customer under your brand.
Less dependence on third-party apps for the start of the deal. More journeys that start as United Arab Bank.
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 IT programme.
03 · Short briefing film
Seven chapters with voice — AED 100 million of franchise value, how the AED 10 million is built, and what Ijarah OS puts on United Arab Bank’s P&L.
04 · Simple numbers — you set them
You enter today’s book. We bring a fixed base case on volume and cost per file — plus a flat fee per funded file instead of a traditional broker %. See unit-cost savings, extra funded files, and payback. Illustrative — not a promise of one number.
- 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 United Arab Bank’s brand.
- Customer apply under United Arab Bank name (EN / AR) — proprietary 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?
United Arab Bank. 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 core banking 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. United Arab Bank keeps the customer.
Ijarah OS · United Arab Bank briefing