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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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Press Release

Rat Corpse Discovered at the Resident’s Property by Abal Environmental Services Ltd Operative

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Errol Baptiste the Northolt resident being visited by Abal Environmental Services Ltd Operative on February 19, 2025, also found evidence of rat corpse decomposing inside the property for 32 months since June 15, 2022, which explained the rancid odour. Rats has been accessing via hole in front way of the resident’s property and then accessing loft space via pipework in proximinty.

Access holes into the property have been blocked up with wire silicon solution and wire after more than 32 months which was reported to Ealing Council by Errol Baptiste the resident and his representative on June 15, 2022, on the rodent infestation. Ealing Council inadvertently failed by ignoring Mr Baptiste’s complaint on the rodent’s issue which was first reported to the Council confirmed evidence from Abel Environmental Services Ltd discovered a corpse of the dead rat on February 19, 2025.

Ealing Council ignored Errol Baptiste’s complaints for 32 months since June 15, 2022, about the rat infestation and he was abused by the Council which they never considered Mr Baptiste’s vulnerabilities on the comorbid and complex ill-health related to the resident’s disabilities breached the Data Protection Act 2018, Section 45, Section 94, and GDPR 2018, Article 15. Ealing Council inadvertently failed to do anything on the Rat Infestation until February 19, 2025, after 32 months delay never took Errol Baptiste’s complaints seriously and were very dismissive that was reported on June 15, 2022, breached the Prevention of Damage by Pests Act 1949.

https://www.ealingtoday.co.uk>page=ldrshousing016

https://harrowonline.org/2025/03/09/northolt-resident-says-council-don’t…

Video : https://www.youtube.com/watch?v=N2UCd-_fMG4

Media Contact: 

Northolt/Ealing
Middlesex
United Kingdom
07598782045
www.youtube.com/@errolbaptiste

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Choose YESMiner and move towards a future of daily stable income

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YESMiner, a highly-watched blockchain mining platform, provides users with a low-cost entry point to Bitcoin mining. This move aims to lower the threshold for traditional mining and enable more users to participate in the digital currency ecosystem and benefit from it.

It is reported that one of YESMiner’s core services is cloud mining solutions. As a model that does not require users to directly purchase and maintain mining equipment, cloud mining has been favored by more and more investors in recent years. YESMiner predicts that by 2025, cloud mining will usher in rapid development and its market potential will be further released globally. The company said that it will provide users with a more efficient and sustainable mining experience through technical optimization and cost control.

In addition, YESMiner’s positioning in the blockchain economy has also attracted much attention. As a platform dedicated to promoting the popularization of blockchain technology, YESMiner is not only actively involved in the field of Bitcoin mining, but also exploring how to provide support for a wider range of blockchain application scenarios. This diversified development strategy helps to consolidate its competitive advantage in the industry.

It is worth mentioning that the YESMiner platform is strictly regulated by the UK Financial Conduct Authority (FCA). This compliance measure provides users with greater security and trust, and also reflects YESMiner’s commitment to industry standards and transparent operations.

Earn Profits with YESMiner Cloud Mining

1: Register now to get a $100 bonus ($1 for daily check-ins).

2: Choose a contract: After successfully registering, the next step is to choose a mining contract that suits your goals and budget. YESMiner offers a variety of contracts to meet different needs, whether you are a beginner or an experienced miner.

Choose the contract that suits your investment strategy:

 

3: Start making a profit: After selecting and activating a mining contract, you can sit back and let the system do the work for you. YESMiner’s advanced technology ensures that your mining operations run efficiently, thereby maximizing your potential earnings.

In the face of rapid changes in blockchain technology and the digital currency market, YESMiner said it will continue to uphold the concept of innovation and responsibility, provide users with high-quality services, and promote the healthy development of the entire industry.

About YESMiner:

YESMiner is an innovative company focusing on Bitcoin mining and blockchain technology applications, and is committed to providing users with efficient, secure, and low-cost digital asset management services. Through technological innovation and compliant operations, YESMiner has become one of the most trusted platforms in the industry.

Company name: YESMiner

Company website: https://yesminer.com/

Company email: cooperate@yes-miner.com

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Press Release

Vtrading Releases Trading Ecosystem Whitepaper: Redefining the Cognitive Revolution of Wealth in the Digital Era

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Amid a global cryptocurrency market with a daily trading volume exceeding $50 billion, 82% of retail investors continue to struggle with persistent losses. This structural contradiction has become the key entry point for the next-generation trading platform Vtrading to disrupt the status quo. Recently, Vtrading officially released its Trading Ecosystem Whitepaper, unveiling the world’s first “Cognition-Decision-Execution” tripartite trading operating system. The platform aims to redefine wealth creation paradigms in the digital age through technological innovation.

I. Scientific Revolution in Trading Paradigms: From Empiricism to Cognitive Industrialization

Traditional trading markets suffer from systemic cognitive gaps. CoinMarketCap data reveals that 73% of users mechanically apply RSI indicators without understanding their mathematical essence, while 97% of investors fail to distinguish between market beta returns and personal alpha returns. This cognitive divide directly triggers behavioral biases: during the 2023 Pepe coin surge, 63% of retail buy orders clustered within 1 hour of price peaks, only 11% set stop-loss instructions, and average holding periods lasted just 27 minutes—far below institutional averages of 83 hours.

Vtrading champions the core philosophy that “cognition is capital,” breaking down trading competence into a quantifiable, trainable industrial system. Its AI architecture integrates three engines:

– Intelligent Strategy Generator: Combines natural language interaction and genetic algorithms, enabling users to generate code frameworks via inputs like “BTC intraday volatility strategy, max drawdown 3%.”

– Decision Enhancement Network: Deploys a millisecond-response Trading Sentinel system, monitoring 100+ candlestick patterns and 60+ technical indicators across timeframes.

– Cognitive Evolution Workshop: Dynamically integrates 1,200+ trading concepts via knowledge graphs, with a 21-day cognitive restructuring program that boosted trainees’ average returns by 220%.

Early results are striking: users leveraging smart alerts saw trade opportunity capture rates rise by 73%, holding periods extend from 6.2 to 38.7 hours, and risk-adjusted returns reverse from -12.3% to +9.8%.

II. Building an Assembly Line for Cognitive Evolution

Vtrading’s product matrix targets three pain points in traditional trading ecosystems:

1.Cognitive Infrastructure Layer (VTrading Academy)

– Dynamic Knowledge Graph: Links candlestick patterns, technical indicators, and on-chain data, unlocking tool access as users master concepts like RSI.

– Live Simulation Sandbox: Tests strategies against historical data and stress models.

– Competency Assessment Model: Generates a Cognitive Index (formula: 0.4test scores + 0.6strategy returns).

2.Decision Enhancement Layer (Intelligent Trading Sentinel)

– Multi-Dimensional Signal Engine: Monitors 1-minute signals and 4-hour trends, triggering app/SMS alerts for critical events.

– Scenario-Based Strategy Templates: Prebuilt setups like “Meme Coin Sniper (500% social media spike + on-chain whale activity).”

– AI Alert Network: Detects anomalous trades with 95% interception accuracy.

3.Value Closure Layer (AI Strategy Workshop)

– Natural Language Programming: Converts strategy descriptions into executable code.

– Personalized Parameter Tuning: Dynamically optimizes indicators (e.g., adjusting RSI periods from 12 to 9 days for aggressive users).

– Strategy Monetization: Top strategies earn 39.7% average annual returns in copy-trading ecosystems.

III. World-Class Security Architecture

Vtrading safeguards both assets and cognition:

– Asset Security Triad:

MPC-TSS 2.0 protocol uses (3,5) threshold signatures, with private key shards stored across 5 geonodes (cracking cost >$1 billion).

Real-time risk control (e.g., AnomalyDetector class in code) blocks suspicious transactions with <0.3% false positives.

Daily Merkle Tree reserves with zk-SNARKs verification.

– Cognitive Security:

GAN-simulated 2008/2018-level crashes eliminate 89% of overfitted strategies.

Credibility models filter 92% of fake news across 50+ sources.

Bias correction systems halt “double-down” behaviors via risk circuit-breakers.

IV. Pioneering Web3 Collaboration Networks

Vtrading’s three-dimensional ecosystem includes:

– Developer Ecosystem: Open SDKs (backtesting frameworks), Data Lake APIs (10TB+ on-chain data), and Oracle networks (30+ data feeds), rewarding contributors via token incentives.

– Institutional Collaboration: Federated learning for private data sharing, cross-chain atomic settlement protocols (with MIT) reducing清算 latency to milliseconds.

– Community Governance: Token holders vote on 70% of product updates. An on-chain reputation system quantifies trading skills and contributions as NFT credentials, granting access to metaverse terminals.

V. Vision: Defining a New Trading Civilization

By 2030, Vtrading aims to:

– Establish global competency standards (L1-L4 certification).

– Launch next-gen OS integrating AI, cross-chain protocols, and metaverse terminals.

– Reduce irrational trading losses by $21 billion annually and nurture 380,000 digital nomad developers.

Early network effects are evident: users completing the 21-day program reduced trading frequency by 54% but improved risk-reward ratios by 220%. A viral referral model (R(inviter)=Σ(1/2^(k-1)*BaseReward) and 120,000+ NFT credentials underscore rapid adoption.

In this cognitive revolution, Vtrading poses a fundamental question: As trading competence becomes a core digital-age literacy, do we need a holistic upgrade—from tools to mental models? Let’s find out at Vtrading.com

Disclaimer: The information provided in this press release is not a solicitation for investment, nor is it intended as investment advice, financial advice, or trading advice. It is strongly recommended you practice due diligence, including consultation with a professional financial advisor, before investing in or trading cryptocurrency and securities.

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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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