← State of Embedded Finance 2026

Network International

Can the MEA region's dominant card processor evolve from acquiring/issuer-processing into a full embedded-finance platform for banks, fintechs, and merchants?

Founded1994
HQDubai, United Arab Emirates
Latest roundBuyout/LBO (Brookfield Asset Management, 2024)
IndustryInfrastructure / Payments
The story

Founded 1994 as Emirates Bank's card-processing arm, Network International became the dominant payments processor across the Middle East and Africa via a regional acquisition strategy. After a 2019 LSE IPO, the company was taken private by Brookfield in 2024 and merged with UAE rival Magnati in 2025 to consolidate the regional payments market. The current strategic pivot is from pure acquiring/issuer-processing into embedded financial services — particularly SME merchant lending (via Biz2X, CredibleX, CBD), cross-border remittance-as-a-service, and modular issuer-processing APIs targeting banks, fintechs, and telcos.

Last 12 months
2024-09
2024-Q4
2025
2025-03
2025
Product timeline
1994
Founded as a subsidiary of Emirates Bank to provide card processing in the UAE.· banking
2010
Achieved PCI-DSS certification.· compliance
2019
Listed on the London Stock Exchange (LSE: NETW).· ipo
2024
Embedded SME lending partnership with Biz2X launched; CredibleX added to digital lending marketplace.· lending
2024
Acquired by Brookfield Asset Management, taken private.· acquisition
2025
Merged operations with Magnati to form a new combined entity controlled by Brookfield-led consortium.· acquisition
Regulated entities
Payment Service Provider / Card Processor
UAE · 1994
Network International LLC
PCI-DSS Certified
Global · 2010
Network International
The stack
Payments / PSP
Network International (self-operated acquirer)N-Genius (self-operated payment gateway)Network One (proprietary issuer/merchant platform)Network Lite (proprietary platform)
Banking / BaaS
Network International (in-house issuer processor)
Card issuing
Network International (in-house)
Ledger
Network One / Network Lite (proprietary)
Lending
Biz2XMerchant Financing (POS-based line of credit, up to AED 5M)Digital Lending MarketplaceBiz2X-powered SME embedded financingCredibleX working capital loansCommercial Bank of Dubai (CBD) Merchant Business Loan against POS receivablesAutomated EMI settlement via POSTop-up & Buy-out loans
FX & payouts
Network International Remittance-as-a-Service (in-house)
Accounting
ERP integration (Corporate Cards Platform)Pre-built e-commerce pluginsSDK + REST APIs for custom integrations
Accounting gap: minor