XPndAI builds custom AI-native FinTech systems for banks, digital lenders, BNPL platforms, and Islamic Finance companies in the UAE. CBUAE and DIFC compliant from day one. Arabic + English. Source code is yours — no SaaS lock-in, no monthly fees.
Every agency in Dubai will build you a mobile banking app or a FinTech dashboard. XPndAI builds the AI layer underneath — agents that underwrite loan applications, collect overdue EMIs in Arabic over WhatsApp, verify KYC documents in real time, and service active loan accounts without a human call centre. That's a different category of product, and it requires a different kind of engineering.
Every product below is built to UAE regulatory standards, deployed on UAE infrastructure, and available in Arabic and English. Pricing is fixed — no surprises after kickoff.
End-to-end BNPL stack: AI credit decisioning in milliseconds, soft credit bureau check integration, automated instalment reminders over WhatsApp, Arabic voice collections for overdue accounts. Built for Tabby/Tamara-style BNPL or white-label deployment.
Murabaha and Ijara origination automation with Sharia-compliance rule engine. Profit rate disclosure (not interest), Zakat-aware AML screening, Sharia board audit trail generation. Rules engine maintained separately — scholars update compliance rules without AI retraining.
Emirates ID OCR + liveness check, passport and visa verification, CBUAE-mandated sanctions screening (OFAC, UN, UAE local), PEP screening, beneficial ownership mapping. Real-time decision with human escalation queue for edge cases.
Automated outbound collection calls in Gulf Arabic and Modern Standard Arabic — overdue EMI reminders, Promise to Pay capture, payment link dispatch. Calling window compliance per CBUAE Consumer Protection Regulation. No per-call fees after delivery.
WhatsApp and IVR agent for active borrowers — outstanding balance, statement, payoff quote, early settlement, address update. Authenticated against live core banking. Arabic + English. CBUAE Consumer Protection — no AI action without borrower confirmation.
Authenticated support agent for digital banks and FinTechs — transaction queries, dispute initiation, account management, card controls. Integrates with your core platform via API. Escalation with pre-filled context. Not a FAQ bot — resolves issues.
Most development agencies learn your compliance requirements from you. XPndAI arrives with the regulatory architecture already designed — CBUAE, DIFC, ADGM, and sector-specific rules.
Consumer Protection Regulation 2020, Digital Payments Regulation, Open Finance Framework, AML/CFT requirements. All AI-driven financial actions are built with CBUAE audit trail requirements from day one.
Dubai International Financial Centre — DFSA rulebook compliance, DIFC Data Protection Law No. 5 of 2020 (equivalent to GDPR), conduct of business rules for AI-assisted financial advice and credit decisions.
Abu Dhabi Global Market — FSRA FinTech regulatory framework, digital assets rulebook, ADGM Data Protection Regulations 2021. Builds for ADGM-licensed entities designed to the FSRA standard.
AAOIFI (Accounting and Auditing Organisation for Islamic Financial Institutions) standards for Islamic banking AI. Sharia-compliance rule engine reviewed by qualified scholars. Murabaha, Ijara, Musharaka — natively supported.
Fixed price. Source code at handover. No monthly licensing fees. Pricing is by product type and integration complexity — not by hours billed.
| Product | Investment (AED) | Includes |
|---|---|---|
| KYC / AML AI Agent | 35k – 60k | Emirates ID OCR, liveness, sanctions screening, audit log |
| FinTech Support AI | 45k – 120k | Authenticated resolution, core platform API, Arabic + English |
| Loan Servicing AI | 50k – 125k | Balance, statement, NOC, payoff, CBS integration, WhatsApp + IVR |
| Arabic Voice Collections | 50k – 150k | Gulf + MSA Arabic, PTP capture, payment link, CBUAE compliant |
| BNPL Decisioning + Collections | 60k – 130k | Credit bureau, risk scoring, instalment AI, overdue recovery |
| Islamic Finance AI | 65k – 150k | Murabaha/Ijara origination, Sharia rule engine, AAOIFI compliant |
| Full FinTech AI Stack | 150k – 300k+ | End-to-end: origination → servicing → collections → support |
| Factor | XPndAI | Generic App Dev Agency |
|---|---|---|
| Product type | ✓ AI agents that take financial actions | Mobile apps and dashboards |
| Arabic NLU | ✓ Native Gulf Arabic — not translated | UI translated; no Arabic AI understanding |
| Core banking integration | ✓ Bidirectional — read + write-back | Read-only API wrapper at best |
| CBUAE compliance | ✓ Built into architecture from day one | Your compliance team's problem |
| Islamic Finance | ✓ Sharia rule engine, AAOIFI aware | Not a known capability |
| Pricing model | ✓ Fixed price, source code yours | Time & materials or SaaS licence |
XPndAI builds custom AI-native FinTech systems — BNPL decisioning and collections AI, Islamic Finance origination and Sharia-compliance automation, KYC/AML screening agents with CBUAE-mandated sanctions checks, loan servicing AI for digital lenders and banks, Arabic voice collection agents, and FinTech customer support AI. All systems are built in Arabic and English, deployed on UAE infrastructure, and designed for Central Bank of the UAE regulatory compliance.
Yes. Every UAE FinTech build is designed around the applicable regulatory framework from the start. For CBUAE-licensed entities: Consumer Protection Regulation, Digital Payments Regulation, and AML/CFT requirements. For DIFC entities: DFSA rulebook, DIFC Data Protection Law No. 5 of 2020. For ADGM: FSRA regulations and ADGM Data Protection Regulations 2021. Requirements built in include mandatory Arabic language support, UAE data residency, customer consent management, audit trail for all AI-driven financial actions, and explainability for AI credit decisions.
FinTech AI development in the UAE starts at AED 35,000 for a focused single-workflow build such as a KYC document verification agent. Mid-complexity builds — BNPL decisioning, Arabic voice collections, loan servicing AI — range from AED 60,000 to AED 125,000. Enterprise builds covering the full lending lifecycle start at AED 150,000. All builds are fixed-price. Source code is handed over at delivery. There are no per-user, per-query, or monthly licensing fees.
Yes — Islamic Finance AI is a specialist capability. Systems built include Murabaha and Ijara origination automation with Sharia-compliance rule engine, profit rate calculation and disclosure instead of interest, Islamic AML screening adapted for Zakat and Waqf transaction patterns, and Sharia board audit trail generation. The rules engine is maintained separately from the AI model so Sharia scholars can review and update compliance rules without requiring AI retraining. UAE Islamic bank and finance company experience available on request.
Get a fixed-price proposal in 48 hours — scoped to your product, your regulatory requirements, and your core banking system.
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