Banking as a Service

Banking as a Service by Hakeem

Hakeem’s BaaS Platform enables organizations to launch Shariah-compliant digital finance solutions with speed, scale, and compliance.

What we Offer?

Comprehensive Digital KYC services designed for speed, compliance, and trust.

Digital KYC Services

Seamless customer onboarding with instant identity verification

Regulatory compliance made easy, aligned with SECP standards

Automated verification processes that save time and reduce errors

Enhanced security and trust through reliable, risk-mitigating checks

Flexible integration options with your existing platforms and workflows

Loan Management System

End-to-end lending management covering the full loan lifecycle

Advanced analytics & reporting for smarter decision-making

Streamlined customer and loan tracking in one integrated platform

Customizable workflows to match your lending operations

Real-time insights that boost efficiency and transparency

Credit Scoring Service

Accurate credit evaluations powered by advanced algorithms

Real-time data analytics for fast and reliable decision-making

Seamless integration with credit bureaus and AML/CFT authorities

Comprehensive risk assessments that improve lending confidence

Enhanced customer experience through quicker, more transparent approvals

Digital Lending Engine

Shariah-compliant lending platform built on ethical finance principles

End-to-end solution covering loan origination, underwriting, and servicing

Regulatory and industry compliance for secure and trusted operations

Scalable infrastructure that grows with your lending business

Seamless borrower and lender experience through a fully digital journey

Why Hakeem?

Islamic by Design

Built from the ground up, our stack embeds Shariah compliance in every layer Fatwa-backed, audit-ready, and aligned with Islamic principles throughout.

Easily Integratable

Launch quickly with plug-and-play APIs, SDKs, and white-labeled frontends. Our modular stack lets banks, NGOs, telcos, and fintechs integrate only what they need.

Tailored for the Underserved

Built for thin-file users and low-income communities, our system offers inclusive, localized experiences with e-KYC, mobile-first UX, and multilingual support.

Real-Time Reporting & Insights

Our dashboards provide real-time tracking, Shariah audit trails, and portfolio insights — ensuring compliance and performance in one unified view.

Proven in the Field

Proven and scalable our platform powers Hakeem, serving 500,000+ users with PKR 430M disbursed across 70+ cities, showcasing real-world impact from urban centers to remote villages.

Bring the power of Hakeem’s proven platform to your organization.

Let’s partner to expand financial dignity across communities.