across the Middle East and Africa. The platform offers a range of services including digital wallets, smart accounts, virtual and multi-purpose cards, peer-to-peer payments, shared expense management, AI-powered financial guidance, micro-credit solutions, and social savings tools such as ROSCA-based community finance systems. MALY also integrates advanced AI technologies like MalyGPT and AI Money Mentor, which provide personalized financial insights, budgeting assistance, automated savings recommendations, and real-time money management support.