The problem we solve
You fund the home.Someone else owns the front door.
Third-party apps start the buyer. You see the file last. Cost per deal is high. Flow is thin. Teams are cutting spend and still need volume.
01
The first click is not yours
The customer starts on someone else’s app. Your brand shows up when it is time to fund — not when it is time to choose.
02
You pay more for a messier file
Staff clean incomplete packs. Officers wait. Unit cost stays high while the book waits on someone else’s process.
03
Distribution is rented, not owned
Partners stay loyal to whoever pays them early and owns the status screen. That is how the front door left the bank.
What changes
Ijarah OS puts the first click back on your bank name. Cleaner files. Lower cost. Partners introduce — you keep the customer. Live in about 90 days. No core rewrite.
01 · Briefing deck
Why your bank needs this now
You fund the home. Someone else owns the front door.
That is why cost is up, flow is thin, and the customer does not start as your customer.
- Buyer starts on a third-party app — you see the file last
- Staff clean messes instead of deciding credit and Shariah
- You pay for distribution you do not own
Ijarah OS · your bank
02 · Three outcomes that matter
Volume growth · cost reduction · time-to-market
1. Own the first click
Portals, messaging, and web feed one bank queue. Partners introduce — you keep the customer under your brand.
Less dependence on third-party apps for the start of the deal. More journeys that start as your bank.
2. Slash unit costs
Less re-keying and rework. A proprietary apply journey catches gaps early. Officers work cleaner, high-intent packs.
Cost per file falls when staff stop cleaning messes and start deciding credit and Shariah.
3. No core rewrite to start
Live pilot in about 90 days. Officers work the file first. Deep core links wait until value is proven.
The pilot is not blocked on a multi-year IT programme.
03 · Short briefing film
The same story, under your bank’s name — not a marketplace in the middle.
04 · Simple numbers — you set them
You enter today’s book. We bring a fixed base case on volume and cost per file — plus a flat fee per funded file instead of a traditional broker %. See unit-cost savings, extra funded files, and payback. Illustrative — not a promise of one number.
- Enter your book: applications, ticket, cost per file, drop-outs.
- See savings shape vs platform cost — you own the assumptions.
- Illustrative payback — for conversation, not a formal model.
05 · 90-day pilot package
A clear commercial next step under your bank’s brand.
- Customer apply under your bank name (EN / AR) — proprietary journey
- 5–10 real estate agencies in Partner Workspace
- Officer workspace with human gates (valuation, credit, Shariah)
- Weekly review: completion, cycle time, partner-sourced files, unit cost
Indicative commercial band
From AED 180k
Setup + 90 days licensed access. Final terms after scope freeze with Products — not a binding quote.
When you are ready
Next step: NDA, then a full walkthrough of the proprietary customer journey and officer workspace. Reply on the thread that shared this link to schedule with Products.
Control answers
Who owns the customer?
Your bank. Ijarah OS is licensed software — not a marketplace brand in the middle.
Who decides credit and Shariah?
Your officers. The app prepares and routes. Nothing funds without bank human gates.
Do we rewrite core banking first?
No. Pilot runs on clean files and officer control first. Deep core links follow after value is proven.
Where does data sit?
Private bank environment per tenant. Banks do not share customers. Hosting options set at pilot kickoff.
Audit trail?
Policy version, document sources, officer actions, and Shariah steps stay on the file.
Ijarah OS
Under your brand. Lower unit cost. No core rewrite to start.
Ijarah OS runs the software. Your bank keeps the customer.