AdalFi

AdalFi builds AI-powered digital lending infrastructure for banks, fintechs and other financial institutions. Its systems are designed to extend consumer and SME credit to borrowers typically overlooked by conventional underwriting, including thin-file and new-to-credit applicants. The company operates in Pakistan and Saudi Arabia and works across banking, fintech, consumer lending and SME lending.

Its technology rests on proprietary AI credit-scoring models that draw on transactional and financial data from deposit accounts, together with behavioural repayment data, to assess creditworthiness. Alongside these models, AdalFi supplies pre-built digital customer journeys that allow partner institutions to prequalify borrowers and disburse loans instantly. Reported metrics include more than $375m in loans disbursed, over 150,000 unique borrowers served, a 0.2% 90-day-past-due default rate and partnerships with more than 17 banks and fintechs in Pakistan.

AdalFi is a spinout from Techlogix, an IT services firm with more than 20 years of experience and over 350 consultants worldwide. The company describes its work as focused on financial inclusion - making credit-invisible individuals visible - and on broadening access to credit through more precise data models. Technical work spans machine-learning credit scoring, transactional and behavioural data analytics, and lending platform engineering.