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Smartphone

Financing

Get your next smartphone on installments using Zaytoon App

Happy Iraqi Customer with Samsung Android Phone Purchased on Installments
User's Hand Holding an Android Smartphone Displaying Zaytoon Smartphone Financing App in Iraq

5 Easy Steps:

1. Apply for approval using Zaytoon app under 10 minutes

2. Pick up phone from one of our partner shops

3. Activate phone with remote lock functionality enabled

4. Pay installments on time

5. Unlock phone after full payment

How it works

Eligibility

To be eligible for Zaytoon Smartphone Financing applicant:

  • must be between 18-65 years old

  • must have an existing android device version 13 or newer supporting NFC technology

  • must have a valid Iraqi biometric ID card issued since 2016 onwards

  • must provide all required information and permissions
requested by the app

  • must have a valid Iraqi mobile number

  • must provide a letter of employment dated no older than 3 months

In this image, we have an ideal user for our app - aged 18 to 65, using an Android device with version 13 or newer, and holding a valid Iraqi biometric ID card issued since 2016 onwards. They've provided all required information, permissions, and a valid Iraqi mobile number. Additionally, they have a recent employment letter, dated no older than 3 months. This individual embodies the perfect user profile for our Iraqi audience, ready to engage with our app's features seamlessly.
Eligibility

Why Zaytoon?

Traditional banks in Iraq lack financial data on the shadow economy, relying solely on collateral-based financing for loans. Discover why the shadow economy in Iraq surpasses the official one.

THE PROBLEM WITH BANKS

Traditional banks in Iraq lack financial data on the shadow economy, they only serve loans using collateral based financing. The shadow economy in Iraq is larger than the official economy.

Icon: Zaytoon - Revolutionizing Financial Identities in Iraq Discover Zaytoon, the innovative solution reshaping digital financial identities in Iraq. With a behavior-based credit scoring system, Zaytoon unlocks financial potential for all, creating opportunities for a brighter future.

WELCOME TO ZAYTOON

Zaytoon is a revolutionary solution to build digital financial identities in Iraq building a behavior based credit scoring system to enable financial potential for everyone. 

Icon: Revolutionary Credit Scoring System Unlock the future of credit scoring with our pioneering approach. Through extensive community networks and partnerships, we gather behavior-based data points, harnessing the power of machine learning and artificial intelligence to detect patterns that redefine financial possibilities.

REVOLUTIONARY CREDIT SCORING SYSTEM

Through our vast network of communities and partners we collect behavior based data points that turn into detectable patterns through machine learning and artificial intelligence.

Icon: Alternative Data for Creditworthiness Discover our data-driven approach! We gather, create, and analyze consent-based alternative data from diverse sources to enhance creditworthiness assessment, empowering smarter financial decisions.

CREDIT SCORING USING DATA

We create, collect, and analyze data from a wide array of consent-based alternative data sources to create better understanding of creditworthiness.

Icon: Data-Driven Financial Identities Empowering the unbanked! Our data-driven, behavior-based credit scoring creates precise financial identities for those excluded from traditional financial institutions. Join us in fostering financial inclusion and opportunities for all.

FINANCIAL IDENTITY

Our data driven and behavior based credit scoring enable us to create accurate financial identities for those who do not have any interaction with traditional financial institutions. We offer everyone a financial identity thus offering them numerous ways to become banked, supported and financially included.

Why Zaytoon

Features

Image: Easy Installment Tracking Sit back and stay informed! This image illustrates how our app enables you to effortlessly track and view your upcoming installments and payment history, putting you in control of your financial journey.

BUILD YOUR REAL CREDIT SCORE

Secure a credible financial reputation and enhance your credit score backed by behavior and data.

ELIMINATING FRAUD

We have a much lower risk of default on repayments because we look at people, not documents.

TRACK ACCOUNT

Track and see your upcoming installment and payment history via our app.

mage: Zaytoon's Innovative Credit Scoring Witness the power of AI and machine learning! In this image, see how Zaytoon utilizes advanced algorithms to generate figures, tables, and charts, paving the way for alternative credit scoring for individuals looking to purchase smartphones on installments. Discover a smarter path to smartphone ownership

YOUR DATA IS PROTECTED

Our data is maintained in databases that are secured by industry standard security practices and is fully encrypted while in transit.

SAFE ENVIRONMENT

Receive your phone and repay your installments via our network of partner shops

EXTRA INCOME

Our partner shops are fully covered from any default risk while earning extra income from Zaytoon 

Features

Available smartphones

Products

Strategic Corporate Partners

Image: Rabee Securities - A Strategic Partner of Zaytoon Explore the alliance! This image proudly displays the logo of Rabee Securities, a valued corporate partner of Zaytoon. Founded on January 7th, 1995, and headquartered in Baghdad, Rabee Securities is a licensed and regulated Securities Brokerage Company by the Iraq Stock Exchange (ISX). Discover the strength of this partnership.

RABEE SECURITIES

Rabee Securities is our major strategic partner and supporter and we are capitalising on their local presence and deep expertise in the Iraqi financial markets, being a leader in its field.

Contact Us

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+964 (0) 53 511 3022

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info@zaytoon.iq

Partners
Contact Us
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