Dubai – Sharikat Mubasher: Network International, a leading fintech company operating across the Middle East and Africa (MEA), partnered with AdalFi, a provider of credit infrastructure and cash-flow-based credit scoring, to help financial institutions expand access to data-driven lending across the region.

As per a recent press release, the partnership will combine Network's payments infrastructure and transaction data with AdalFi's machine-learning capabilities to assess customers' creditworthiness and identify lending opportunities based on their income, spending patterns and cash flows.

Under the agreement, Network will identify potential lending and cross-selling opportunities through payment data, while AdalFi will develop and validate credit-scoring and customer-segmentation models and integrate its decision-making capabilities into Network's platform.

The collaboration aims to help banks deliver tailored, pre-qualified financing offers, improve credit decisions and expand lending to consumers and small and medium-sized enterprises (SMEs), including those with limited or no traditional credit histories.

On this occasion, Salman Akhtar, CEO of AdalFi, said the company has assessed more than 30 million borrowers and underwritten $400 million in loans using cash-flow data.

The partnership seeks to turn everyday payment activity into actionable credit insights and support responsible lending across MEA.