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AI risk platform for SME financing in Oman

Assess, decide and report on every SME financing request in one place.

Risk Assessor & Reporting AI scores credit, detects fraud, consolidates financial data and keeps compliance evidence for crowdfunding and SME lenders regulated by the Financial Services Authority.

Open the live demoSee the modules

مقيّم المخاطر والتقارير بالذكاء الاصطناعي

Credit score and limitRisk band, recommended financing limit and a written rationale
Fraud risk scoreAutomated alerts, investigation records and recommendations
Financial profileBank, bureau, VAT, ERP and payroll data in one record
Compliance evidenceKYC, AML/CFT, audit trail and remediation in one dashboard
Modules

Four engines feeding one risk decision

Every module works on the same applicant record, so the credit committee sees credit, fraud, financial and compliance findings together.

Credit scoring

AI scoring on income, cash flow, liabilities, payment history, DSCR, credit history and business performance.

  • Score out of 1,000 and grade A to E
  • Affordability-based limit
  • What-if simulator

Fraud detection

Checks identity, documents, duplicate applications, transactions, behaviour and watchlists in real time.

  • Edited-PDF detection
  • Link analysis across applications
  • Hold, review or proceed

Financial data aggregation

Consent-based connections to banks, the credit bureau, accounting systems, tax and business records.

  • Transaction categorisation
  • Cash flow and affordability
  • Bank vs VAT vs audit reconciliation

Compliance and data security

KYC, AML/CFT screening, data privacy, role-based access, encryption, regulatory reporting and incidents.

  • Continuous control monitoring
  • Tamper-evident audit trail
  • Remediation tracking
Digital onboardingCR lookup, Civil ID eKYC and data consent in six steps
Credit committeeAI memo, conditions and four-eyes voting
Portfolio monitoringPAR, early warning signals and vintage curves
Investor risk reportingCampaign factsheets with grade and expected loss
AI reportsCredit memos, FSA returns and STR drafts from live data
Stress testingOil price, revenue, profit-rate and payment-delay shocks
Model governanceDrift, fairness and human-override monitoring
Risk CopilotAsk questions about any case or the whole book
How it works

From application to post-financing monitoring

Repayment behaviour from funded SMEs flows back into risk intelligence, so the models learn from the platform's own book.

ApplySME submits a financing request
OnboardCR, eKYC and consent captured digitally
AssessCredit, fraud, data and compliance engines run together
CombineIntegrated risk intelligence and dashboard
DecideCommittee approves, refers or declines
MonitorRepayments and warning signals tracked
Built for Oman

Local regulation, data sources and language

Designed around how SME financing works in the Sultanate, from Omani rial amounts in three decimals to Arabic and English screens.

FSA crowdfunding rulesDue diligence, investor disclosures and periodic returns
Personal Data Protection LawConsent records, purpose limits and data residency in Oman
AML/CFTSanctions and PEP screening with STR drafts for the financial intelligence unit
Local data sourcesCommercial registry, credit bureau, VAT returns and WPS payroll
Islamic financeMurabaha products and profit-rate terminology
Arabic and EnglishBilingual interface with right-to-left layout
Security

Controls a regulator will ask about

Security and auditability are part of the platform, not an add-on.

EncryptionAES-256 at rest and TLS 1.2+ in transit, with keys held in a hardware security module.
Access controlRole-based permissions, MFA and maker-checker on approvals.
Audit trailEvery view, change and decision logged and retained.
Human oversightThe AI recommends; authorised people decide, and every override is recorded.

Try it with a demo account

Sign in as a Chief Risk Officer, credit analyst or compliance officer and work through real-looking cases. All companies and figures in the demo are fictional.

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