QIMA : Value Sustained

At QIMA, we enable enterprises, financial institutions, and partners to create, unlock, and sustain value through innovation, data intelligence, and strategic consulting

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Rooted in Value, Driven by Sustainability

Grounded in the meaning of its name Qima (Arabic for value) – QIMA is built on the belief that sustainable success is not achieved through isolated solutions, but through connected value ecosystems that strengthen growth, loyalty, performance, and long-term stakeholder relationships.

Rather than delivering standalone services, QIMA focuses on designing and orchestrating ecosystems around financial services, data, and partnerships — connecting banks, merchants, employers, customers, and technology platforms into integrated networks that generate continuous value.

QIMA Pillars

QIMA operates through three core pillars, which together drive value creation and ecosystem development.

QIMA Innovation

QIMA Innovation designs and delivers bank-centric digital innovation initiatives, with a primary focus on customer engagement, responsible financing, and revenue enablement for financial institutions. These initiatives are delivered in partnership with Access to Arabia, combining advanced banking-sector expertise with QIMA’s local execution and market development capabilities.

QIMA BNPL (Buy Now, Pay Later)

A bank-backed platform designed around responsible micro-financing and regulatory alignment

Secure, compliant, and bank-led frameworks.

Controlled risk exposure and improved portfolio quality for banks.

Increased conversion rates for merchants and flexible installments for customers.

QIMA Loyalty

A bank-centric rewards platform designed to strengthen customer engagement and retention

Deployment of loyalty infrastructure within banks.

Delivery of targeted, value-driven merchant offers.

Structured merchant acquisition and ecosystem management.

QIMA EWA (Earned Wage Access)

Enables bank partners to offer employees access to a portion of earned wages before payday

On-demand access to accrued pay for short-term needs.

Reduces reliance on high-cost credit and improves financial wellness.

Seamlessly integrated with payroll and bank systems.

QIMA Intelligence

QIMA Data

QIMA Data transforms complex data into clear, actionable knowledge that supports strategic, commercial, and operational decision-making.

This vertical focuses on:

Data migration, aggregation, structuring, and cleansing

Advanced analytics and insight generation, data trends, and knowledge data

Market, customer, and performance trend analysis

Executive-level dashboards and decision-support tools

QIMA Strategy and Growth

QIMA Consulting

QIMA Consulting supports organizations in scaling, transforming, and entering new markets, with a strong focus on technology-driven and regulated sectors.

Business development and partnership structuring

Market entry and expansion strategies

Commercialization and growth advisory

Growth Strategy and Sales

Ecosystem Partners

QIMA works with a network of trusted ecosystem partners whose technology, platforms, and expertise support the development and operation of QIMA’s initiatives, projects, and startups