Run your lending on live data
Moby gives you a live view of every emerging business, from sales and stock to payments, so you can offer SME financing before they ask
Moby gives you a live view of every emerging business, from sales and stock to payments, so you can offer SME financing before they ask
Everything you need to finance businesses with confidence
Real-time monitoring
Track sales, stock and payments as they happen, and spot the businesses ready to grow before your competitors do
Deposits that stay
Payments and settlement flow through the operating account, so your CASA keeps growing long after the financing is paid
Remote verification
White-label KYB with AI checks on premises and social presence. Onboard faster, without sending anyone on site
Transparent decisions
No black boxes. Every approval comes with clear reasons your credit and risk teams can stand behind
Built to Shariah standards from day one
Ready-made, asset-backed Islamic financing models, so you can launch Shariah-compliant SME products faster
- Halal activity only: financing is limited to Shariah-compliant businesses and goods
- Independent oversight: every model is reviewed and endorsed by our Shariah advisor
How we find your next customer
Monitor
Moby tracks sales, stock and payments as each business operates, so you always know how it’s really performing
Identify
Our models flag businesses that need financing and verify them with digital KYB checks, before they apply
Financing offer
Your officer receives a ready financing offer with the full evidence and clear reasons behind it
Built for every institution that finances businesses
Banks and Islamic banks
Grow your SME financing book and CASA base, with faster digital onboarding
Development finance institutions
Reach emerging businesses at scale, with live data on how your funding performs
Financiers and private credit funds
Deploy capital into verified businesses, with continuous portfolio monitoring
Takaful and trade credit insurers
Cover receivables and trade financing, backed by real transaction data.
Partner the way that suits you
Origination
We find and verify businesses that are ready for financing, then refer them to you. You lend from your own book
Co-financing
We structure and run financing programmes together, sharing data and monitoring throughout
Technology only
Use our white-label KYB, monitoring and decision tools inside your own processes
Frequently asked questions
Everything you need to know about the Banks & FIs
What does Moby do for banks and financial institutions?
Moby helps you find, verify and monitor emerging businesses using live business data, so you can offer SME financing earlier and with more confidence.
What data does Moby use?
We use live business activity from the Moby network, such as sales, payments and settlement, together with digital KYB checks. Businesses give their consent before any data is shared with you.
Who makes the final credit decision?
You do. Moby provides the signals, evidence and reasons behind each opportunity, and your credit team decides based on your own policies and risk appetite.
Are your Islamic financing models Shariah-compliant?
Yes. Our models are asset-backed, follow recognised Islamic contracts and are reviewed by our Shariah advisor. We can walk your Shariah committee through the full structure.
How do you verify a business without a site visit?
Our digital KYB uses AI to check a business’s premises and online presence, alongside its registration and transaction history, so you can verify businesses without sending anyone on site.
Can we use Moby’s tools under our own brand?
Yes. KYB checks and onboarding can be white-labelled, so businesses see your bank throughout their journey.
How is business data protected?
Data is shared only with the business’s consent and handled in line with Malaysia’s Personal Data Protection Act (PDPA). Every check and decision is logged, so it can be reviewed and audited.
How can we partner with Moby?
Through origination, co-financing or technology only. Our team will help you find the model that best fits your goals.
Still have questions?
Can’t find the answer you’re looking for? Please Contact our sales team
Let’s grow your lending portfolio together
Let’s grow your lending portfolio together
Tell us about your institution and what you'd like to achieve. Our team will reply within a working days
Tell us about your institution and what you'd like to achieve. Our team will reply within a working days
