ZitounaTamkeen Launches Intelligent Credit Management (ICM) Platform, a Pioneering Initiative in Tunisia
ZitounaTamkeen, a pioneering institution in Islamic microfinance in Tunisia, announces the go-live of the Intelligent Credit Management (ICM) platform developed by Talys Solutions, a subsidiary of the Talys group. This rollout is part of a transformation strategy to enhance operational efficiency, process traceability, and large-scale financial inclusion.
With ICM, ZitounaTamkeen now benefits from:
- A complete digitalization of the credit life cycle: onboarding, online credit, scoring, screening, LAB-FT, disbursement, follow-up, and recovery & litigation;
- A customizable rules engine to manage the specificities of Islamic financing;
- Dynamic reporting compliant with the regulatory requirements of the Microfinance Control Authority (ACM);
- Advanced analytics tools to optimize risk management and portfolio performance;
- An evolving architecture, integrable with mobile channels, e-wallets, and partner interfaces.
"The ICM platform enables us to shift to proactive, data-driven management, while respecting our principles of Islamic finance," declares Mr. Jamel Bouzaiene, General Manager of ZitounaTamkeen.
According to Mr. Hatem Dhahri, Partner at Talys: "This project showcases our ability to provide robust, intelligent, and adaptable solutions to the specific challenges of financial institutions in the MENA region."
The ICM platform now constitutes a strategic technological foundation for ZitounaTamkeen, enabling it to effectively respond to the expectations of its clients, partners, and in a secure and evolving framework.
This project perfectly fits into ZitounaTamkeen's progressive digitalization strategy, which places innovation at the heart of its mission. By modernizing its information system, the institution reinforces its capacity to offer faster, safer, and more personalized services to its beneficiaries. This digital transformation aims to improve the customer experience, extend financial inclusion to new areas, and lay the foundations for sustainable growth, in harmony with the principles of Islamic finance.
The project was successfully carried out through close collaboration between the ZitounaTamkeen and Talys teams.
