BankIslami, one of Pakistan’s fastest‑growing Islamic banks, has unveiled its fully homegrown Finance Origination and Credit Underwriting System (FOCUS) – a digital platform designed to revolutionise the customer financing journey. Leveraging AI‑driven automation, FOCUS reengineers the bank’s credit underwriting process from initiation to disbursement, replacing manual credit procedures with a standardised, automated framework enforced across all branches.
The platform significantly elevates the quality and consistency of credit decisions while sharply reducing turnaround times. Developed entirely by BankIslami’s internal team, the launch represents a major financial and strategic milestone. By eliminating reliance on external partners for software licensing, customisation and ongoing maintenance, the bank has optimised its operational efficiency.
| Platform Feature | Benefit |
|---|---|
| AI‑driven automation | Faster, data‑backed credit decisions |
| End‑to‑end digital workflow | Seamless journey from application to disbursement |
| Standardised underwriting framework | Consistent, high‑quality decisions across all branches |
| Homegrown development | No external licensing or maintenance costs |
Leadership Perspective
Rizwan Ata, President and CEO of BankIslami, commented:
“At BankIslami, our customers remain the centre of every action and innovation. With this launch, we aim to simplify the customer financing journey. For us, FOCUS is more than a technology upgrade. It is a statement of what our people are capable of building when the mission is as noble as Saving Humanity from Riba.”
Strategic Milestone
The deployment of FOCUS adds to BankIslami’s growing portfolio of digital and operational transformation initiatives. The bank continues to expand its network and deepen its service offerings in line with its mission of Saving Humanity from Riba.
About BankIslami
BankIslami Pakistan Limited (PSX: BIPL) is one of Pakistan’s leading Islamic banks, offering a comprehensive range of Shariah‑compliant banking products and services to retail, corporate and institutional clients. The bank is at the forefront of digital innovation in Islamic finance.
