Buy Now, Pay Later transactions from Tabby and Tamara will now be included in UAE credit reports, representing a notable enhancement of the nation’s credit reporting framework as regulators aim to furnish lenders with a more thorough understanding of consumers’ financial commitments. Etihad Credit Bureau, the UAE’s federal credit information agency, announced on Monday that BNPL account information from the two providers will be included in credit reports starting July 2026. The modification is applicable to both current and prospective clients of Tabby and Tamara in the UAE, encompassing pertinent historical transaction data.

The bureau indicated that the action signifies the ongoing development of the UAE’s financial services sector and the increasing acceptance of adaptable consumer financing products. Etihad Credit Bureau stated that by integrating BNPL information into credit reports, it seeks to expand the range of financial data accessible to lenders. This initiative is designed to facilitate more informed lending decisions and to include a greater number of first-time borrowers within the formal credit ecosystem. The bureau indicated that the supplementary information would furnish banks, financial institutions, and other authorised entities with a more comprehensive perspective on consumers’ financial obligations, thereby enabling them to perform more thorough credit risk evaluations.

Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau, stated that the initiative is integral to the bureau’s efforts to enhance the nation’s credit reporting framework as new financing models gain traction. “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,” he said. “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.” Tabby, said the inclusion of repayment information would allow customers with responsible borrowing records to build a stronger financial profile. “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,” said Hosam Arab. “For the millions of customers who use Tabby responsibly, this means their track record can now contribute to their broader financial standing.”

Tamara stated that the initiative would enhance transparency throughout the financial sector while facilitating increased access to formal financial services. “As a fintech platform serving millions across the region, trust is at the core of everything we do at Tamara,” said Sagar Shah. “This initiative reinforces our commitment by supporting greater transparency and creating more opportunities for people to participate in the financial system.” Etihad Credit Bureau stated that the incorporation of BNPL data is a component of its comprehensive strategy to collaborate with banks, fintech firms, microfinance lenders, and various data providers to enhance the breadth, depth, and quality of information accessible through its credit reporting offerings. The bureau indicated that the expanded reporting framework aims to foster a more inclusive and resilient financial ecosystem by ensuring that credit reports more accurately represent consumers’ comprehensive financial obligations.