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ZainTECH, FICO, and LEAN partner with Tamam to drive AI-Powered innovation in Saudi Arabia’s Fintech Sector

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  • Four-party collaboration will result in the region’s first-of-its-kind AI-driven credit assessment model in the Kingdom, leveraging open banking data to drive financial inclusion
  • The enhancement to Tamam’s microlending platform will revolutionize the consumer finance landscape, providing personalized, secure and data-driven financial solutions

Tamam, a Zain fintech and leader in Saudi Arabia’s microlending sector, is collaborating with ZainTECH, FICO, and Lean Technologies to develop cutting-edge, AI-driven data solutions specifically tailored to the Saudi consumer finance market. The alliance will result in the region’s first-of-its-kind AI-driven credit assessment model in the Kingdom, leveraging open banking data to drive financial inclusion, underscoring the Kingdom’s ambitious Vision 2030, aimed at positioning Saudi Arabia as a global leader in fintech innovation, and aligns with the regulatory framework set by the Saudi Central Bank.

The strategic partnership brings together four key players to explore and integrate advanced AI applications and open banking technologies to enhance Tamam’s platform. Through this collaboration, Tamam aims to revolutionize the consumer finance landscape, providing personalized, data-driven financial solutions that cater to the evolving needs of Saudi customers.

Tamam is a leading one-stop shop for financial services in Saudi Arabia, providing individuals with the opportunity to receive Shari’a-compliant loans without physically visiting a bank location. The platform’s end-to-end application and award process takes just minutes from the time of downloading the app to the loan amount being paid out. Loans are provided to Saudi nationals and residents, without the requirement of a salary transfer or guarantor, with a finance amount up to SAR 50,000 available for a 24-month tenure.

Yousef Al Musaileem, CEO of Tamam, commented, “This strategic partnership marks a significant milestone in Tamam’s journey toward becoming a leader in AI-powered financial services in the Kingdom. By leveraging the expertise of leading-edge technology partners, we will deliver innovative, secure, and customer-centric solutions that meet the needs of our customers as well as contribute to Saudi Arabia’s 2030 vision of becoming a regional fintech hub.

Andrew Hanna, CEO of ZainTECH said, “The importance of digital data and AI in driving significant predictive capabilities that fintech pioneers like Tamam can utilize to improve customer experiences is significant. This four-party collaboration to accelerate the delivery of new innovative fintech propositions, reinforces our ambitions to drive digital transformation and empower growth of enterprises in Saudi Arabia, further substantiated by ZainTECH’s recent opening of offices in Riyadh.”

Combined, the partnership leverages: 

Tamam (Tamam.life) will define key business requirements and use cases, ensuring the solutions developed are practical, relevant, and secure for its customer base. Tamam will also prioritize stringent data protection and anti-fraud measures to maintain customer trust and comply with the Saudi Central Bank’s regulatory framework.

ZainTECH (ZainTECH.com) the integrated digital solutions provider of Zain Group and lead technology provider, will oversee the deployment of AI-driven solutions across Tamam’s platform, ensuring compatibility and scalability while enhancing system efficiency and security.

FICO (FICO.com) a global analytics software leader, will deliver AI use cases focused on predictive credit scoring, risk assessment, and customer behavior analytics, driving value through personalized financial insights.

Lean (Leantech.me) will facilitate secure, compliant data connectivity through its open banking technology, ensuring seamless real-time data integration while adhering to the strict regulations set forth by the Saudi Central Bank.

Collaborative Innovation for Vision 2030

This partnership represents a significant step forward in the Kingdom’s efforts to lead the region in fintech innovation. The advanced AI-driven solutions being developed will enable Tamam to offer its customers a more personalized, secure, and seamless financial experience. This collaboration directly supports Vision 2030, under the supervision and regulation of the Saudi Central Bank.

Data Security and Protection

A key focus of the partnership is ensuring the highest standards of data protection and security. The parties have committed to strict protocols for secure data sharing and confidentiality, utilizing Lean’s open banking technology to facilitate compliant data exchanges. These measures will bring cutting-edge technology to the Saudi financial market, enhancing transparency, trust, and customer privacy.

All four organizations (Tamam; ZainTECH; FICO and Lean) reaffirmed their commitment to driving innovation in the Saudi fintech landscape by enhancing Tamam’s offerings and contributing to the broader objectives of Saudi Arabia’s Vision 2030.

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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Press Release

Achieve Financial Freedom: Turn $200 into $20,000 with SIX MINING

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In the UK, more and more cryptocurrency investment enthusiasts are participating in the cryptocurrency market to mine. Cloud mining has become a new generation of passive income method and has gradually replaced traditional cloud mining. Times are changing, technology is advancing, and cryptocurrency cloud mining is no exception.

 

SIX MINING is a global cryptocurrency investment company. By combining modern technology with environmental protection principles, SIX MINING provides a smooth and profitable mining experience. You can easily experience mining without having extensive investment experience and rich mining knowledge. The professional one-stop service is very suitable for novice and experienced investors.

What is Cloud Mining?

Cloud mining is a high-end service that combines blockchain, cloud computing, artificial intelligence and other advanced technologies. It is a remote mining method that does not require the purchase of mining machines or maintenance equipment. You only need to rent computing power to participate in the mining of cryptocurrencies such as Bitcoin and Ethereum. With the support of a professional technical team, it can ensure efficient operation and safe and stable profits.

How to start cloud mining?

  1. Register as a member
  2. Browse and select a contract plan that suits you to start making payments
  3. Wait for the contract to expire and withdraw the earnings

The core advantages of SIX MINING

  1. Low-carbon and environmentally friendly: Use wind energy to generate electricity and reduce environmental pollution
  2. Safe and stable: User data is protected by SSL, so that all investment users can participate in mining without worries
  3. Flexibility: Contract periods support short and long terms, and selective purchases are made based on customer needs
  4. Multi-currency support: Users can choose to mine Bitcoin, Ethereum, Tether and other cryptocurrency payment methods
  5. Transparency: The benefits and duration of the contract are clearly stated
  6. Free Contract Trial Program: Sign up to get $12 bonus
  7. Generous affiliate reward program: Use your personal referral link to recommend new users and enjoy permanent benefits

SIX MINING Flexible Contract Plan

  1. Buy a $12 contract plan with a contract period of 1 day and a daily profit of $0.64.
  2. Buy a $100 trial contract with a 2-day contract period, earning $3.6 per day and a total profit of $7.2. After the contract expires, your principal will be automatically returned to your account.
  3. Buy a $500 primary contract with a contract period of 6 days, with a daily profit of $3.6 and a total profit of $37.8. After the contract expires, the principal will be automatically returned to your account.

  4. If you want to view more about SIX MINING contract plan, you can visit the official contract page: https://sixmining.com/

Generous affiliate rewards program

Some people may ask: Can I make money by recommending users without investing?

Our answer is: Of course, you can register as a SIX MINING user, and even if you do not invest, you can use your personal referral link to recommend new users to earn up to 4.5% commission and obtain permanent income.

For example:

  1. When user A invites user B, and user B invests $10,000, user A can get a 3% invitation reward, which is $300. Of course, the more users you invite invest, the higher your commission will be, and you will enjoy permanent benefits.
  2. When user B invites user C, and user C invests $10,000, user A can get a bonus commission of 1.5, which is $150, and user B can get a bonus commission of 3%, which is an invitation reward of $300.
  3. And when you invite a certain number of new users, you can get a one-time cash reward of up to $20,000.

Summarize

SIX MINING cloud mining is updating the traditional mining model, allowing more global users who participate in SIX MINING investment to get better experience and benefits. Joining SIX MINING cloud mining and generous alliance reward plan can allow you to turn $200 into $20,000 and completely realize your wealth freedom.

Download the APP and start your road to wealth freedom! Enter the official website URL: https://sixmining.com/

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Press Release

Terrance Bradford of Tampa’s ELA Contracting Introduces Comprehensive Roofing and Restoration Solutions

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Michigan, US, 2nd April 2025, ZEX PR WIRE, When it comes to roofing and restoration services in Tampa Florida, Terrance Bradford’s ELA Roof Contracting has etched its name as a trusted provider under the leadership of Terrance Bradford. Based in Tampa, this forward-thinking company combines innovation, precision, and a community-focus to redefine the roofing industry. With a track record spanning over 15 years, ELA Contracting continually raises the bar by offering services tailored to meet the unique needs of both large-scale enterprises and private ventures.

Roof Coating Solutions That Deliver

One of ELA Contracting’s standout offerings is their silicone roof restoration system—a cost-effective and performance-driven solution. Designed to extend the life of commercial roofs without the expense of a full replacement, this system offers businesses a financially savvy option that doesn’t compromise quality.

The benefits speak for themselves. By opting for a Pro-Grade Silicone Commercial Roof Restoration System, businesses can unlock up to 4x the cost savings and see energy expenses slashed by as much as 50%. Beyond tangible savings, the system prevents downtime and cuts unnecessary waste, all while fostering a more sustainable approach.

What sets this system apart is its ease of application and advanced engineering. The coatings reflect over 80% of sunlight and UV radiation, helping maintain cooler indoor temperatures and reducing reliance on heating and cooling systems. This means happier tenants, a stronger ROI, and a better-functioning building. With rain-safe protection just 15 minutes after application, clients can also rest assured their investment is safeguarded quickly and effectively.

Comprehensive Commercial Roofing Expertise

Underpinning the success of ELA Roof Contracting is their mastery in commercial roofing solutions. Their specialization spans a wide array of services, including new roof installations, re-roof applications, custom sheet metal fabrication, seamless gutters, and structural elements like soffit and fascia. What truly distinguishes the company is their commitment to craftsmanship and durability, backed by warranties that satisfy even the most rigorous industry standards—some extending for up to 20 years.

Bradford’s team doesn’t believe in one-size-fits-all. Instead, they assess each project with a custom lens, ensuring every solution aligns with the unique demands of the client. Whether the aim is to extend the life of an existing roof or enhance it with upgraded materials, ELA ensures that quality, affordability, and longevity are front and center.

A Broad Spectrum of Expertise

The range of services offered by ELA Roof Contracting extends well beyond traditional roofing. Their expertise spans specialized areas such as asphalt shingles, slate, and tile installations, alongside high-performance metal roof coatings. They also provide unique solutions like historic restoration projects and offer roof maintenance programs to help clients proactively manage upkeep.

From government buildings and healthcare facilities to multi-family residential complexes and private businesses, the company has delivered results across diverse industries. These projects underscore ELA’s ability to tackle challenges of any complexity while maintaining the highest safety and quality standards.

Innovative Leadership and Safety Commitment

At the heart of ELA Roof Contracting’s success is Terrance Bradford, whose leadership sets the company apart. Bradford’s dedication to safety is unwavering, with ELA consistently exceeding safety regulations to ensure employees, contractors, and clients are protected on every job site. Training programs are a core part of ELA’s strategy, fostering heightened situational awareness while promoting best practices.

Bradford’s collaborative approach with clients further cements ELA’s reputation as a standout name in the industry. By actively welcoming client input and understanding their specific goals, ELA ensures every project is executed with precision and care.

The Man Behind the Mission

Tampas Terrance Bradford’s expertise in roofing and construction stems from years of dedication and professional growth. A Certified General Contractor and Roofing Contractor in the State of Florida, Bradford has built ELA Roof Contracting into a beacon of trust and dependability. His business, a certified minority-owned enterprise (MBE), reflects his commitment to breaking barriers and fostering inclusive operations.

Complementing his professional achievements are his academic credentials. With a Bachelor’s degree in Business & Professional Management and an associate degree in Electronic Engineering, Bradford brings a blend of strategic vision and technical knowledge to his work. He balances his fast-paced professional life with a deep connection to his family, embodying the values of both ambition and integrity.

Building Partnerships and Delivering Excellence

Ultimately, Terrance Bradford’s ELA Roof Contracting’s approach sets it apart. By addressing challenges with tailored solutions and an unshakeable commitment to safety and craftsmanship, the company has built long-lasting relationships with clients. From emergency projects to energy-efficient upgrades, ELA covers every angle to ensure customer satisfaction.

For businesses in the Tampa area, ELA Roof Contracting represents not just a service provider, but a reliable partner in achieving roofing excellence. With Terrance Bradford at the helm, clients can rest assured they’re in capable hands, with access to innovative services that enhance building performance and long-term value.

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Dr. Reza Ray Ehsan Featured in Exclusive Interview on the Future of Pain Management

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California, US, 2nd April 2025, ZEX PR WIRE, Dr. Reza Ray Ehsan, a leading anesthesiologist and pain management expert, has been featured in an exclusive interview, shedding light on his decades-long journey in medicine. As Chairman of the Anesthesiology Department at LA Downtown Medical Center, Dr. Ehsan has dedicated his career to improving the lives of patients suffering from acute and chronic pain.

In the interview, Dr. Ehsan discusses his early inspirations, medical training, and the evolving science behind pain relief. He reflects on the influence of his father, a family physician, and how his upbringing in San Jose, California, shaped his path toward medicine. “I always admired my father’s dedication to his patients,” Dr. Ehsan shares. “That passion for helping others is what drove me to become a doctor.”

His journey has taken him through rigorous medical training, from earning a degree in chemical engineering at California State University, Long Beach, to completing his medical education and specializing in anesthesiology and interventional pain management. Over the past 30 years, he has led anesthesiology departments at multiple Southern California hospitals, pioneering advanced pain treatment techniques.

A Modern Approach to Pain Management

Dr. Ehsan emphasizes the importance of personalized and interventional approaches to pain relief. Unlike conventional methods that rely heavily on medication, he integrates cutting-edge procedures to target the source of pain more effectively. “Pain isn’t just physical,” he explains. “It has mental and emotional components as well. My goal is to treat the whole person, not just their symptoms.”

Throughout his career, he has treated conditions ranging from post-surgical pain to complex nerve disorders, helping patients regain mobility and improve their quality of life. His commitment to innovation ensures that he stays ahead of medical advancements, offering the latest pain management solutions to his patients.

Commitment to Humanitarian Efforts

Beyond his clinical work, Dr. Ehsan is deeply involved in humanitarian medicine. He has provided free medical care in underserved regions, including the Caribbean and Mexico, and is an active member of Doctors Without Borders. “Medicine should be accessible to everyone, regardless of their circumstances,” he says. “I’ve seen how proper care can transform lives, and I’m committed to making a difference wherever I can.”

In California, Dr. Ehsan has also worked with the Children and Paternal Services Program (CPSP), ensuring that children and families receive essential healthcare. His efforts in providing anesthesia services for children with cleft lip and palate deformities further showcase his dedication to improving lives beyond the operating room.

Looking to the Future

As the field of pain management continues to evolve, Dr. Ehsan remains focused on staying at the forefront of medical research and technology. “What worked 20 years ago isn’t always the best option today,” he explains. “We need to keep learning, adapting, and improving so we can provide better care for our patients.”

With a career spanning medicine, education, and humanitarian work, Dr. Ehsan’s impact is far-reaching. His interview offers a rare glimpse into the mind of a physician who has dedicated his life to reducing suffering and advancing healthcare.

About Reza Ray Ehsan MD

Dr. Reza Ray Ehsan is a board-certified anesthesiologist and pain management specialist based in Los Angeles, CA. With over 30 years of experience, he serves as the Chairman of the Anesthesiology Department at LA Downtown Medical Center. He is known for his expertise in interventional pain management, his leadership in medical institutions, and his commitment to humanitarian work.

To read the full interview, click here.

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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