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Case studies and papers

What we deployed, where, and what it changed.

Every document below describes a platform that is live or in live testing. Tell us who you are and we will send the file straight to your inbox.

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Weeks to a live neo-bank in Tanzania
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Weeks to transform onboarding in Kenya
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Minutes from application to credit decision
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Repeat purchase rate on Maly Boutique
ruyaAfrica & Gulf Bank TanzaniaGulf African BankMTNMoMo from MTNBurj Clean Energy Modaraba

The library

Eight documents. One short form.

Maly Tech platform overview

The full picture: the six-layer stack, the four deployment routes and what is live in each market.

Overview · 22 pages

Bank-in-a-Box: a CBUAE-licensed neo-bank

How a branded digital bank went live in the UAE with a licensed partner bank, from UAE Pass onboarding to instant funding.

Case study · UAE

FIKA: a neo-bank launched in under 20 weeks SorenTech

Africa & Gulf Bank Tanzania, with sub-minute onboarding, group savings and merchant payments.

Case study · Tanzania

Gulf African Bank: onboarding transformed in under 8 weeks SorenTech

Retail and business journeys rebuilt for self-service and assisted channels, with instant account funding.

Case study · Kenya

OWNARA: merchant-led Shariah-compliant asset financing SorenTech

Clean energy assets financed at the point of sale with Burj Clean Energy Modaraba, decisioned in under ten minutes.

Case study · Pakistan

Maly Boutique: digital commerce inside a mobile money wallet

A 1,000+ SKU voucher marketplace with referral and rewards, and the transaction data it generates.

Case study · Africa

MoMo+: group savings, gifting and giving

Digitised tontines, shared gifting pots, savings pockets and community crowdfunding inside the wallet.

Product paper · Africa

Maly Pay

The operating model behind merchant-led financing: two-portal architecture, offline capture and network governance.

Whitepaper

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