Our Solutions

Our Solutions

At Masaref, we deliver end-to-end financial technology solutions that empower institutions to operate efficiently, innovate faster, and serve customers better. Our solutions address the diverse needs of banks, financial institutions, insurance providers, and microfinance entities — helping them achieve digital resilience, customer-centricity, and regulatory compliance.

Universal Banking

Our Universal Banking Solution provides banks with a comprehensive, integrated platform that supports retail, corporate, SME, and investment banking on a single system. It enables seamless operations, from core banking and payments to digital onboarding and advanced analytics, ensuring banks can scale and adapt to changing customer expectations. With modular capabilities and cloud-ready deployment, it helps financial institutions transform faster while reducing costs.

Digital Banking

At Masaref, we empower financial institutions to embrace the future of banking through innovative, customer-centric digital banking solutions. With a focus on agility, scalability, and security, our offerings enable banks to transform traditional operations, deliver seamless digital experiences, and stay ahead in an increasingly competitive financial landscape.

Retail Finance

Our Retail Finance Solution empowers lenders and financial institutions to deliver personalized credit and lending experiences. From consumer loans, credit cards, and mortgages to installment financing, the platform streamlines the entire lifecycle — application, underwriting, disbursement, and collections. With AI-driven credit scoring and risk management, institutions can expand lending responsibly and enhance customer satisfaction.

Microfinance

We support microfinance institutions (MFIs) with specialized solutions tailored to underserved communities and small-scale borrowers. Our platform provides tools for group lending, micro-loans, savings, and digital payments while ensuring compliance with microfinance regulations. By leveraging mobile and cloud technologies, we enable MFIs to reach rural populations, reduce operational costs, and foster financial inclusion at scale.

Insurance

Our Insurance Solution is built to serve life, health, and general insurance providers with digital policy administration, claims processing, customer engagement, and risk management. With integrated analytics and AI-driven insights, insurers can improve underwriting accuracy, detect fraud, and deliver faster claims settlements. By embracing digital channels, insurers can enhance customer trust and offer more flexible, tailored insurance products.

IntegraBanco

IntegraBanco is a next-generation digital core banking platform designed for agility and efficiency. Built with an API-first architecture, it enables banks to quickly launch new products, integrate with fintech partners, and deliver omnichannel banking experiences. With support for real-time processing, compliance frameworks, and automation, IntegraBanco helps financial institutions reimagine customer journeys and modernize legacy systems.

Let’s Build the Future of Banking Together

Partner with Masaref to unlock innovation, security, and growth in your financial services. Whether you need digital transformation, fintech integration, or compliance-driven solutions, our experts are ready to guide you every step of the way.