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    Zain Fintech is the financial services arm of Zain Group, responsible for developing and scaling digital financial solutions across the Middle East and Africa. It oversees Zain’s fintech ecosystem, including mobile wallets, payments, remittances, credit solutions, and microfinance offerings, aiming to expand financial inclusion and provide accessible services to both banked and unbanked populations. Through platforms such as Bede, Zain Cash, and Tamam, it enables secure, mobile-based financial transactions and partners with global payment networks to deliver innovative and scalable digital financial services.

    Bede

    Bede is Zain Group's Fintech Master brand

    Bede Kuwait (www.bede.kw) Provides an integrated omni-channel payment ecosystem for businesses and consumers. It offers POS terminals, QR payments, payment links, e-commerce gateways, real-time dashboards, and reporting tools. Scalable and user-friendly, it supports merchants, from startups to enterprises in managing payments across physical and digital channels.

    Bede Bahrain (www.bede.bh) A Shariah-compliant mobile app delivering bespoke, fully digital microfinance solutions in a timely manner, streamlining onboarding and financing of loans without traditional banking hurdles. The platform launched Bahrain’s first digital education financing solution and is deepening collaborations with global entities to deliver value-added and payment services.

    Bede Sudan (www.bede.sd) With an easy-to-use interface across multiple channels, including mobile app, USSD, and web portal, as well as through an extensive network of agents and merchants, it equips individuals and businesses with secure, tech-driven solutions for everyday transactions. Customers can send and receive money with Bede wallets, transfer from and to bank accounts, cash in and cash out via Bede’s vast agents network as well as Top-up airtime, pay their Zain mobile bill and undertake QR payments.

    TAMAM

    Tamam KSA (www.tamam.life) Saudi Arabia’s first licensed and leading Shariah-compliant, digital microfinance mobile-first platform, enables customers to obtain instant financing (up to SAR 50,000) with minimal documentation, fast approval, and flexible repayment options, all without visiting a bank branch.

    Zain Cash

    Zain Cash Jordan (www.zaincash.com) The country’s leading mobile wallet and payment platform allows customers to deposit, withdraw and transfer money, pay bills, top up mobile balances, shop online, and access prepaid cards through a mobile app or by calling a number. Services can also be activated through Zain shops and approved agents.

    Zain Cash Iraq (www.zaincash.iq) The country’s leading platform simplifies multiple fintech transaction offering money transfers locally and internationally, cash withdrawals, bill payments, merchant services, remittances, and digital cards to individuals, businesses, and government.

    FOO

    FOO (www.foo.mobi) FOO is a leading MENA fintech solutions provider excelling in technology, innovation, expertise, and quality. Partnering with top industry clients, it has rapidly expanded while setting benchmarks in design, experience, and service excellence.

    Zain Insure

    Zain Insure  (www.zaininsure.com) A unique motor insurance offering that blends innovation and customer-centric value. Launching in Kuwait and Jordan, Zain Insure provides competitive pricing and up to 25% cashback based on mileage, ensuring cost-effective, personalized coverage.