Shaping the Future of Lending in Saudi Arabia
Backed by SIMAH and trusted by leading banks, Qarar combines more than a decade of regulatory expertise with product innovation - from real-time data gateways to affordability engines - built for a fast-changing market.
Solutions Studio Where Innovation Launches
From vision to launch — innovation delivered. For over a decade, Qarar has shaped credit risk in the Kingdom. Solutions Studio carries that legacy forward — launching capabilities that keep institutions ahead of regulation, technology, and customer expectations.
Why Choose Us
We combine technical excellence with business insight to deliver solutions that drive real results.
65+ Clients across GCC & MENA
Deep regional expertise and long-term partnerships.
15% Uplift in approvals
Smarter acceptance of previously rejected applicants.
70–85% Fewer manual reviews
End-to-end automation accelerates decisions.
Expert Team
Industry-leading professionals with deep technical expertise and business acumen.
Agile Approach
Rapid prototyping and iterative development for faster time-to-market.
Future-Ready Solutions
Scalable architectures designed to evolve with your business needs.
Enterprise Security
Bank-grade security and compliance standards built into every solution.
What We Do
We provide comprehensive digital solutions that drive innovation and accelerate business growth.
Market Ready Products & Solutions
End-to-end product development from concept to market launch with proven methodologies.
Quality Assurance
Industry test cases available shortening UAT efforts with comprehensive testing frameworks.
Decision Accelerators
Data-driven tools and frameworks that speed up critical business decisions.
Flexible Deployment Options
On-Prem, Hosted on Local Cloud, or Hybrid—whatever fits your infrastructure.
Featured Products & Services
Benefits
The Old Way (7–14 Days)
- Fragmented systems and multiple providers
- Slow & manual re-verifications
- Higher risk and poor CX
- 7–14 days average approval delay
With Qarar (Minutes)
- One environment for data, models, and affordability
- Real-time automation
- Compliance by design (SAMA-aligned)
- <10 minutes average approval time
How it Works
Select the Service
Pick the product that solves your challenge.
Secure Consultation
Guided steps with proven expertise and secure integration.
Go Live with Confidence
Integrate, test, and activate with auditability.
Partner with Saudi Arabia’s decision analytics leader
Book a consultation to explore API Gateway, Model Library, or Affordability — PDPL-ready and built for banks & fintechs.