“Can ADIB Egypt become the leading Shari'a-compliant full-stack financial services group in Egypt, serving retail, SME, and corporate customers through both branch banking and embedded digital finance partnerships?”
Founded in 2007 as a Shari'a-compliant universal bank in Egypt following the acquisition of National Bank for Development, ADIB Egypt has evolved from a traditional Islamic retail bank into a broader financial services group. The bank expanded into non-bank financial services via its subsidiary ADIFinance Egypt (leasing, factoring, real estate finance). From 2020 onward, it accelerated digital transformation — launching internet and mobile banking, a digital wallet (Masarify), Meeza prepaid cards, and fintech partnerships (Khazna). It now positions itself as a full-stack Islamic financial services group targeting retail, SME, corporate, and high-net-worth segments in Egypt.
Adib Egypt processes payments through ADIB Payment Gateway (self-operated).
Adib Egypt's embedded insurance is provided by SALAMA (Islamic Arab Insurance Company).
The Embedded Finance Index 2026 maps 3 layers in Adib Egypt's stack: Payments / PSP (ADIB Payment Gateway (self-operated)); Lending (Business Financing (SME short and medium term), Liquidity Management, Trade Finance, Car Finance (Murabaha) and 7 others); Insurance (SALAMA (Islamic Arab Insurance Company)).
Adib Egypt is founded in 2007 and headquartered in Cairo, Egypt.
Get a read on where your own stack stands against Adib Egypt and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.