Bank · home finance

Banks rebalance the power equation — become as ubiquitous in distribution as aggregators, without giving away the customer.

Licensed software that puts a modern Islamic home-finance front door on the bank’s own name. Partners introduce. The bank keeps the customer, the credit decision, and Shariah. Live under the bank brand in about ninety days — without rewriting core banking first.

Open live briefing Speak with an AI & Digital lead

Back to AI & Digital

Next step

Honest boundary

What this is

Licensed software the bank runs under its own brand.
A proprietary customer apply journey (English / Arabic) plus an officer workspace.
Partners (agencies, portals, web, messaging) introduce into one bank-owned queue.
Credit and Shariah stay with the bank’s people. Nothing funds without a human gate.

Honest boundary

What this is not

Not a marketplace or aggregator in the middle of the customer.
Not a core-banking rewrite.
Not automated credit or automated Shariah.
Not a public demo of the full operating machine — that opens under NDA.

Three outcomes that matter

Volume growth · cost reduction · time-to-market

01
Own the first click
Portals, messaging, and web feed one bank queue. Partners introduce — the bank keeps the customer under its brand. Less dependence on third-party apps for the start of the deal.
02
Slash unit costs
Less re-keying and rework. A proprietary apply journey catches gaps early. Officers work cleaner, high-intent packs. Cost per file falls when staff stop cleaning messes and start deciding credit and Shariah.
03
No core rewrite to start
Live pilot in about 90 days. Officers work the file first. Deep core links wait until value is proven. The pilot is not blocked on a multi-year IT programme.

Who it is for

Islamic and conventional UAE retail banks with home / property finance
Heads of Products, Mortgages, and Partner / broker channels
Banks that still fund deals that often start on someone else’s rails
Institutions that want distribution ubiquity without renting out the customer

How to engage

Same quality bar as IMP. Three ways in: live briefing, 90-day pilot, or product under an institutional mandate.

Frictionless
Live briefing
Open the working session: film, three outcomes, illustrative ROI (bank enters its own book), 90-day pilot package.
Open live briefing
Full customer journey and officer workspace open after NDA.
90-day pilot
90-day pilot
Bank-branded apply (EN / AR). Partner agencies in a bank-owned workspace. Officer human gates. Weekly review of completion, cycle time, partner-sourced files, unit cost.
Indicative commercial band: from AED 180k (setup + 90 days licensed access). Final terms after scope freeze with Products — not a binding quote.
Request pilot discussion →
Premium
Advisory + product
Formal path: product configured under an AI & Digital / institutional mandate.
Brief a senior advisor →

Control answers

Who owns the customer?
The bank. Altamont is licensed software — not a marketplace brand in the middle.
Who decides credit and Shariah?
The bank’s officers. The software prepares and routes. Nothing funds without bank human gates.
Do we rewrite core banking first?
No. Pilot on clean files and officer control first. Deep core links after value is proven.
Where does data sit?
Private bank environment per tenant. Banks do not share customers. Hosting set at pilot kickoff.

Next step

Under the bank’s brand. Lower unit cost. No core rewrite to start.

Altamont runs the software. The bank keeps the customer.

Back to AI & Digital →

Open live briefing Speak with a lead