Etihad Credit Bureau (ECB) has expanded the scope of its credit reports by including Buy Now, Pay Later (BNPL) account information from leading providers Tabby and Tamara, effective July 2026.
The update reflects the increasing use of BNPL services in the UAE and is intended to provide lenders and authorized entities with a broader view of consumers’ financial commitments when assessing creditworthiness.
The inclusion applies to both existing and new customers of Tabby and Tamara in the UAE and covers relevant historical BNPL transactions.
According to ECB, the additional data will support more informed lending decisions, improve risk assessment, and help bring more consumers, including those with limited traditional credit histories, into the formal credit ecosystem.
Marwan Ahmad Lutfi Director General – ECB
“At Etihad Credit Bureau, we remain committed to strengthening the UAE’s credit reporting ecosystem by continuously enhancing the quality, depth, and relevance of the information available through our products and services. As financial services evolve and new forms of consumer financing gain wider adoption, it is important that credit reports provide a broad view of an individual’s financial commitments.”
Hosam Arab, CEO and Co-founder of Tabby, noted that, “Responsible lending starts with a clear view of a person’s finances, and we have always underwritten in real time to make credit more accessible. For the millions of customers who use Tabby responsibly, this means their track record can now contribute to their broader financial standing.”
Sagar Shah, General Manager, UAE, at Tamara, emphasized that, “As a fintech platform serving millions across the region, trust is at the core of everything we do at Tamara. This initiative reinforces our commitment by supporting greater transparency and creating more opportunities for people to participate in the financial system.”
The inclusion of BNPL data is part of its ongoing collaboration with banks, microfinance institutions, fintech companies, and other data providers to expand the range and quality of information available through its credit reporting services. The initiative supports a more transparent, inclusive, and resilient financial ecosystem in the UAE.
