Case study · Pakistan
OWNARA writes the financing where the customer decides to buy.
Digital infrastructure for Shariah-compliant, asset-backed clean energy financing, in live testing with Burj Clean Energy Modaraba. Built in under sixteen weeks.
OWNARA is built on the Maly platform and taken to market by SorenTech, the joint venture between Maly Tech and Soren Investment Company. Burj Clean Energy Modaraba is the licensed institution and carries the balance sheet. SorenTech provides the technology platform and operates it alongside the Modaraba team.
The problem
Customers want the asset. The financing arrives too late.
People need e-scooters, small vehicles and solar systems and cannot pay upfront. Credit rules are strict, merchants have no digital financing tools, approval takes days, and many customers have no credit history at all. The sale is lost while the paperwork moves.
| OWNARA on the Maly stack | Conventional approach | |
|---|---|---|
| Decision speed | Real time, minutes | Days to weeks |
| Data sources | ID, telecom, bureau, merchant, asset | Mostly credit bureau |
| Automation | Fully automated journeys | Mostly manual |
| Scalability | Cloud-native and modular | Heavy infrastructure |
| Compliance | Built in and programmable | Manual and legacy systems |
| Time to launch | Weeks | 6 to 18 months |
What was built
Two portals, one decision engine, one governed network.
A sales agent opens the application in the showroom, on a tablet, while the customer is standing there. Initiate, capture KYC, submit for decision.
After approval the customer accepts the offer, reads the disclosures and manages repayments on their own phone, in their own time.
National identity, telecom usage, bureau score, merchant and POS history and on-site asset inspection with GPS and photo verification. Instant approval, manual review or decline.
Platform authority holds global control, credit limits and product catalogue. Distributors sit above dealers, dealers above sales agents. Only the platform admin onboards agents.
Origination through servicing, collections and settlement, with the Shariah structure enforced by the platform.
Offline data capture with encrypted local storage on agent devices, then automated sync and data resolution when the network returns.
Why it matters commercially
The showroom becomes the origination channel.
The dealer and the equipment supplier originate. The institution keeps every credit decision, the network hierarchy, the limits and the catalogue. Financing is written at the moment the customer decides, not a week later when they have changed their mind.
Start the conversation
A mandate that needs its own platform?
Tell us the asset, the structure and the distribution model. We will come back with what exists and what has to be built.