Product clarity
Make the lifecycle of every financing or investment contract understandable to operations, risk and delivery teams.
FINANCIAL PRODUCTS, REIMAGINED
A clearer way
to build Islamic
finance.
One thoughtfully structured technology platform for asset-backed financing, leasing and participation-based investment products — from first customer interaction to ongoing servicing.
Built around real operational scenarios. Designed for financial institutions with ambition.
CONCEPTUAL WORKFLOW
Murabaha financing
PROCESS VIEW
Application & reviewCustomer and asset details
Asset acquisitionOwnership and documentation
Agreement & scheduleTerms, approvals, payments
0303product families mapped
89documented use cases
06demo journeys outlined
Figures refer to project specifications, not live deployments.
THE OPPORTUNITY
Complex products deserve a simpler operating model.
Islamic finance combines commercial logic, asset ownership, contractual milestones and governance requirements. Ethiq Finance brings those moving parts into one coherent product framework.
Operational control
Map approvals, documents, asset events and servicing activities into deliberate, traceable processes.
Room to evolve
Keep product design adaptable as institutions, markets and regulatory expectations develop.
PRODUCT LANDSCAPE
Three ways to move finance forward.
Product scenarios are structured from end to end — not just at the point of sale. Explore the functional scope defined in the use cases.
01 / ASSET FINANCING
Murabaha
Cost-plus asset financing with a transparent purchase, sale and repayment lifecycle.
02 / LEASING
Ijara
Lease-based structures that connect an underlying asset with contract servicing and lifecycle events.
03 / SAVINGS & INVESTMENT
Islamic deposits
Customer funds and investment structures modelled around Qard, Mudarabah and Wakalah use cases.
Product scope is based on specifications. Availability in a production environment is subject to confirmation.
HOW IT FITS TOGETHER
From product logic to a complete journey.
A connected view of the customer, agreement, underlying asset and operational decisions — without hiding the rules that make each product distinct.
Originate
Capture customer needs, eligibility inputs and product parameters.
Structure
Coordinate assets, terms, contracts and required approvals.
Execute
Track contractual events, disbursement or acquisition milestones.
Service
Manage payments, lifecycle changes and ongoing reporting.
PLATFORM THINKING
A flexible foundation, not a rigid product box.
Ethiq Finance is conceived as a modular solution that can work alongside existing systems and support different models of financial service delivery.
Process orchestration
Customer and staff journeys organised around defined decisions and actions.
Contracts & assets
Connected records for contractual commitments, assets and transactions.
Integration layer
An API-oriented approach for connection to the institution’s wider technology environment.
Governance visibility
Designed for traceability across approvals, policies, events and documents.
ETHIQ FINANCE / CONCEPTUAL MODEL◈
Customer experiences01
Product & workflow logic02
Records, events & governance03
External systems & services04
COMPOSABLE · INTEGRATION-ORIENTED · TRACEABLE
FOR DECISION-MAKERS
Built for institutions looking beyond launch day.
Whether establishing a new offering or extending an existing portfolio, product teams need a path from strategy to controlled operations.
For business leaders
See a clear roadmap from product proposition to customer value and operational scale.
For product & operations
Align teams around end-to-end scenarios rather than isolated functions.
For technology leaders
Evaluate integration boundaries and modular growth instead of an all-or-nothing replacement.
GET IN TOUCH
Start a conversation.
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