Key points

  • AdalFi has joined forces with Network International to introduce its cash-flow credit scoring across the Middle East and Africa, according to a Business Recorder report.
  • The fintech company, preparing for a listing on the Pakistan Stock Exchange, has previously facilitated over Rs110 billion in loans since 2021 through nine partner banks, as reported by Business Recorder.
  • Network International brings a payments reach spanning more than 250 financial institutions and 240,000 merchants across upwards of 50 countries, according to Business Recorder.

A homegrown Pakistani credit-scoring model is crossing international borders to transform lending practices in new regions, according to a Business Recorder report. By turning ordinary transaction records into precise measures of creditworthiness, the collaboration promises to reshape how financial institutions evaluate borrowers in the Middle East and Africa.

Key Details

According to Business Recorder, the partnership merges Network International's vast payment infrastructure with AdalFi's machine-learning credit decisioning framework. Network International will pinpoint lending and cross-sell possibilities within its payment data streams, while AdalFi will handle the development, validation, and integration of scoring and customer-segmentation models.

Performance metrics from AdalFi's operations in Pakistan demonstrate the efficacy of the system, Business Recorder reported. Since 2021, nine partner banks—including six of the country's ten largest—have disbursed more than Rs110 billion via the platform. The system has reached over 130,000 borrowers, with more than 50 percent categorized as new to formal credit. Furthermore, the platform maintained a default rate of approximately 0.2 percent, contrasting sharply with the roughly 3.5 percent default rate typically observed in conventionally underwritten bank credit, according to the same report.

Context and Impact

The expansion represents a significant milestone for a fintech model originally built in Pakistan, scaling its reach into more than 50 countries where Network International operates, Business Recorder noted. The initiative shifts lenders away from broad promotional campaigns toward targeted, pre-qualified loan offerings derived from real-time transaction insights.

Summary and What Next

The alliance sets the stage for AdalFi's upcoming listing on the Pakistan Stock Exchange while exporting domestic financial technology to international markets, according to Business Recorder. Future developments will depend on the successful integration of AdalFi's decisioning tools into Network International's extensive regional platform.