Fintechs
Grow your loanbook without growing your NPLs.
Cashflow analysis, fraud detection, and automated credit decisions. Abwab helps fintechs lend smarter at scale.
Default-prediction accuracy
FinRegLab: cashflow data nearly doubled accuracy for thin-file SMEs.
Catch rising NPLs
Read the cashflow your bureau can't see.
Bureau data tells you what happened months ago. Cashflow Pulse reads real transaction behavior to catch revenue trends, hidden liabilities, and seasonal crunches early.
- Reconcile and classify across banks
- Live business-health signals
- Catch deterioration before default
Cashflow Pulse
analysis, not a scoreReconciled across 3 banks · classified
Reduce fraud
Anomaly detection on every assessment.
Automated detection of hidden accounts, intercompany transfers, end-of-month spikes, and VAT-to-bank gaps, trained on Saudi market patterns.
- 30% more accurate fraud detection
- Trained on Saudi market patterns
- Learns from your portfolio over time
Fraud & anomaly detection
5 flags30% more accurate than manual review, on every assessment.
Integrate in days
API-first, scoped in days.
Built for fintech engineering teams. Run Abwab in parallel to validate, then shift primary decisioning as confidence builds.
- Days, not months, to integrate
- Run alongside your existing models
- Plug your in-house models in too
Time to integrate
Test environment from day one.
What Abwab does for fintechs
The risk and efficiency layer for fast-growing lenders.
Catch rising NPLs
Cashflow Pulse catches risk signals that bureau data misses.
Reduce fraud exposure
Automated fraud and anomaly detection on every assessment.
Cut credit ops cost
90% cost reduction through automation, so analysts focus on edge cases.
Refresh stale models
Credit Decisioning recalibrates models from your live portfolio.
Integrate in days
API-first integration that your engineering team can scope quickly.
Win investor confidence
40% lower defaults and defensible, configurable model governance.
“Abwab.ai gave us instant, data-driven credit decisions with minimal integration effort, dramatically improving speed and borrower experience.”
Fintech Lender
Abwab customer
Products for fintechs
Frequently asked questions
Cashflow analysis reads real-time bank transaction data instead of relying solely on credit bureau history. This captures actual revenue, spending patterns, and cash reserves, allowing you to approve SMEs that would be declined by bureau-only scoring.