From POS Data to Working Capital: The Next Model for SME Lending in the UAE

SMEs form the backbone of the UAE economy, yet traditional balance-sheet lending continues to leave a massive funding gap. By shifting the paradigm toward real-time merchant data—such as Point-of-Sale (POS) transaction histories and e-commerce cash flows—fintechs and forward-thinking banks are pioneering a new wave of automated, cash-flow-based working capital. This roundtable dissects the risk models and data ecosystems powering this shift.

Add-on Info for Clients:

• • Target Audience: Heads of SME Banking, Fintech Founders, Neobank Executives, and Payment Gateway Providers.
  • Value Proposition: Tailor-made for merchant acquirers, credit bureaus, and payment processors looking to embed themselves deeper into the region’s commercial credit infrastructure.