How it Works
Empowering financial innovation

Explore how our platform supports financial institutions with modular infrastructure while democratizing financial services through embedded finance, enabling businesses to innovate and comply with regulatory standards seamlessly.

Your Experiences
Your Licenses
Your Licenses
Our Licenses
Our Licenses
Stitch Technology

We provide the software backbone that empowers licensed financial institutions to create their products. This ranges from providing foundational elements like ledgers as a service to more comprehensive card processing.

In addition to the technology stack, we layer in the regulatory partnership that empowers any business to be embed banking features into your product experience. This ranges from accounts to card issuance.

Financial Institutions
Software backbone to create financial products
Modular platform
Modular platform

We offer modular and configurable software solutions tailored for financial institutions, including components such as ledgers, accounts, KYC/KYB, loan origination, loan management, risk and fraud detection, and anti-money laundering protocols. Read more in Technology Stack.

Regulatory tailoring
Regulatory tailoring

We localized our platform to meet the regulatory requirements in our regions. We have dedicated infrastructure in Saudi Arabia and are available on AWS regions to comply with data sovereignty laws. We are PCI-DSS certified, ensuring robust security standards. We aim to reduce the regulatory burden for our clients. Read more about Localization.

Strategic partner
Strategic partner

By partnering with us, financial institutions can focus on their core competencies while leveraging our expertise in handling operational complexities. This collaboration accelerates their time to market and enhances their ability to innovate within the industry.

All Sectors
Democratizing financial products through embedded finance
Licensed entities
Licensed entities

Leveraging our licenses in Saudi Arabia and the UAE, we enable a wider range of services, including the ability for you to launch digital wallets and issuing cards. These licenses enable us to operate as an embedded finance provider, empowering various businesses to offer financial products without obtaining their own licenses.

Empowering innovations
Empowering innovations

Embedded finance unlocks opportunities for businesses to innovate and diversify their offerings. By integrating financial products seamlessly into their existing services, companies can enhance customer engagement, improve loyalty programs, and provide convenient financial solutions.

Exclusively partnerships
Exclusively partnerships

We are solely focused on being the enablement layer for your business to create financial products. We have no short, medium, or long term intentions to deliver end user products. This allows us to stay focused on delivering the best experiences and ensuring there is never misalignment with our partners.

Understanding Embedded Finance
What is it

Embedded finance refers to the integration of financial services into non-financial platforms or businesses. It allows companies to offer financial products and services as part of their core offerings, enhancing customer experience and unlocking new revenue streams.

Why it exists

Embedded finance simplifies access to financial services, reduces barriers to entry for businesses, and fosters innovation by enabling seamless integration of financial products into diverse ecosystems.

How to use it

From cashback programs integrated into retail apps to instant payment solutions embedded in gig economy platforms, embedded finance is transforming various industries, enhancing convenience and accessibility for consumers worldwide.