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Empowering Banks through Fintech & Consulting

Digital banking, strategy, and innovative tech solutions

Masaref offers comprehensive solutions for financial institutions eager to modernize their operations. With our innovative approaches, including digital onboarding and core banking transformations, we empower organizations to enhance efficiency, streamline workflows, and build lasting trust with their customers.
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Digital Onboarding Solutions

Digital onboarding is crucial for modern businesses, enhancing user satisfaction while ensuring security and compliance.

Seamless Customer Experience

Our digital onboarding tools simplify the customer journey, making it easy for new clients to open accounts online without unnecessary barriers.

Enhanced Security Features

We integrate robust security measures like biometric verification and encryption, ensuring customer data is protected.

Regulatory Compliance

Masaref’s onboarding solutions are designed to comply with all relevant regulations, helping institutions avoid penalties.

What We Offer

We deliver end-to-end digital banking, fintech, and enterprise transformation solutions covering core banking, payments, compliance, consulting, and cloud innovations to help financial institutions operate smarter, faster, and more securely.
All Services
Services

Digital Core Banking Provision (SaaS in the Cloud Concept)

A secure, scalable cloud-based core banking solution that reduces costs, ensures compliance, and enables faster product launches.
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Services

Oracle Focused Services

Specialized consulting and implementation of Oracle solutions, including OCI, OFSAA, FLEXCUBE, and EDQ, to help financial institutions achieve scalability, compliance, and digital transformation.
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Services

Innovation & Platform Engineering

At Masaref, we help financial institutions embrace innovation and engineering excellence by delivering platforms that are agile, secure, and future-ready.
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Services

Financial Solutions

We deliver end-to-end financial services tailored to optimize banking operations, enhance compliance, and drive sustainable growth through innovative technology and expert advisory.
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Services

Consulting Services

We provide expert consulting to help businesses navigate complex challenges, streamline operations, and achieve strategic growth with innovative solutions.
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Services

360° Enterprise Transformation

We drive end-to-end business transformation, integrating people, processes, and technology to create agile, future-ready enterprises.
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Services

CR2 Digital Banking & Payments Platform

Empowering banks with a unified digital platform for seamless payments, enhanced customer engagement, and innovative banking experiences across all channels.
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Services

Banking Services

Comprehensive digital banking solutions designed to streamline operations, enhance customer experience, and drive financial growth with secure, innovative platforms.
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Services

FinTech Integrations

From mobile wallets to eKYC, we integrate innovative fintech solutions that make banking faster, smarter, and more secure.
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Services

Cybersecurity & Compliance

Protect your institution with robust security frameworks and ensure alignment with local and international banking regulations.
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About Masaref

Masaref is a trusted consulting and financial technology partner dedicated to empowering banks and financial institutions with innovative, future-ready solutions. With deep expertise in digital banking, fintech integration, and core system modernization, we help organizations embrace transformation with confidence. Our approach combines global best practices with local market knowledge, ensuring compliance, security, and scalability in every solution we deliver.

Key Challenges Overcame:

  • Bank's Infra & Network
  • Large number of products Bugs in Islamic Functionalities & OBDX 22.1
About Us

Our Solutions

Banking Automation

At Masaref, our Banking Automation Solution enables banks to streamline routine tasks, reduce human error and accelerate service delivery.
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Islamic Bank

. At Masaref, we provide a complete suite of Islamic Banking solutions designed to help financial institutions modernize their services.
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Cyber Security

At Masaref, we deliver end-to-end cybersecurity solutions designed to protect sensitive financial data, ensure regulatory compliance, and maintain customer trust.
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Block Chain

At Masaref, we help organizations harness the power of blockchain to revolutionize payments, identity verification, smart contracts, and regulatory compliance.
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Universal Banking

A complete banking solution that streamlines operations across all financial services.
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Retail Finance

Tailored financing solutions to empower consumer lending and retail banking growth.
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Micro Finance

Scalable tools to extend financial access and inclusion for underserved communities.
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Insurance

nnovative digital solutions to enhance efficiency and customer experience in insurance services.
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Our Solutions

Supporting Products Implemented

OFSAAI

Oracle Financial Services Analytical Applications Infrastructure

Our digital onboarding tools simplify the customer journey, making it easy for new clients to open accounts online without unnecessary barriers.
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OFS IPE

Oracle Financial Services Integrated Performance Engine

A powerful performance management solution designed to help banks analyze profitability, manage costs, and optimize financial decision-making.
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Oracle EDQ

Enterprise Data Quality

Advanced data quality and governance tool that ensures clean, accurate, and reliable data for critical banking operations and compliance.
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Oracle Solutions

Oracle Solutions

End-to-end Oracle technologies tailored for the financial sector, empowering institutions with robust, scalable, and future-ready digital solutions.
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OFSAAI

Oracle Financial Services Analytical Applications Infrastructure

Our digital onboarding tools simplify the customer journey, making it easy for new clients to open accounts online without unnecessary barriers.
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OFS IPE

Oracle Financial Services Integrated Performance Engine

A powerful performance management solution designed to help banks analyze profitability, manage costs, and optimize financial decision-making.
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Oracle EDQ

Enterprise Data Quality

Advanced data quality and governance tool that ensures clean, accurate, and reliable data for critical banking operations and compliance.
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Oracle Solutions

Oracle Solutions

End-to-end Oracle technologies tailored for the financial sector, empowering institutions with robust, scalable, and future-ready digital solutions.
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Industies We Serve

Telecom

The telecom industry is at the forefront of digital connectivity, and we support providers in modernizing their networks, adopting cloud-driven solutions, and enhancing customer experiences.

Utilities

Utilities are under increasing pressure to modernize infrastructure and deliver sustainable, reliable services.

Oil & Gas

Our solutions support operational efficiency, energy conservation, and scalable growth while ensuring compliance with regulatory standards.

Governments

Governments today are expected to provide transparent, secure, and citizen-centric services.
Industries

Smart Compliance

Masaref’s consulting services are fully compliant with US Treasury and FinCEN standards. We support banks and financial institutions in achieving compliance with international legislation by:
  • Preparing the goAML infrastructure in preparation for integration into the compliance framework
  • Developing more effective anti-money laundering and counter-terrorist financing programs
  • Assessing banking compliance gaps and identifying remediation priorities
  • Enhancing institutional compliance capacity and developing policies and regulatory frameworks
  • Managing risks and technical integration with banking systems to detect suspicious transactions
Masaref’s consulting services are fully compliant with US Treasury and FinCEN standards. We support our clients in integrating the necessary compliance protocols into banking operations to achieve the highest regulatory standards

Let’s Build the Future of Banking Together

Partner with Masaref to unlock innovation, security, and growth in your financial services. Whether you need digital transformation, fintech integration, or compliance-driven solutions, our experts are ready to guide you every step of the way.
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Our Partners

At Masaref, we believe that strong partnerships are the foundation of meaningful innovation and sustainable growth. Our network of partners includes both strategic alliances and technology collaborations, enabling us to deliver comprehensive, future-ready solutions to financial institutions worldwide. Through our strategic partnerships, we align with leading industry players to expand market reach, share expertise, and co-create value-driven strategies that empower clients to achieve long-term success. At the same time, our technology partners bring cutting-edge innovations in cloud infrastructure, AI, data analytics, cybersecurity, and enterprise platforms, allowing us to integrate world-class technologies into our offerings.
Veiw All Partners
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FCCM Modules Implemented

AML

Anti-Money Laundering

KYC

Know Your Customer

ECM

Enterprise Case Management

CS

Customer Screening

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Frequently Asked Questions

What services does Masaref provide?
Masaref offers consulting and financial technology solutions including digital banking strategies, fintech integrations, core banking modernization, data analytics, cybersecurity, and compliance services tailored for financial institutions.
We work with banks, fintech startups, microfinance institutions, digital wallet providers, and corporate investment firms. Our solutions are adaptable for both established financial institutions and emerging digital innovators.
Security and compliance are at the core of our services. We implement global best practices, robust cybersecurity frameworks, and regulatory standards to protect client data and ensure full legal compliance.
Yes. With expertise in local markets and alignment with international standards, Masaref is equipped to serve institutions across Libya, the MENA region, and globally.
Absolutely. Every financial institution has unique goals and challenges, which is why our strategies and technologies are customized to meet specific business, operational, and regulatory needs.
We have successfully implemented advanced banking products such as OFSAAI, OFS IPE, Oracle EDQ, and Oracle solutions, ensuring efficiency, scalability, and compliance for our clients.

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© 2025 MASAREF. All Rights Reserved.
Masaref offers comprehensive solutions for financial institutions eager to modernize their operations. With our innovative approaches, including digital onboarding and core banking transformations, we empower organizations to enhance efficiency, streamline workflows, and build lasting trust with their customers.
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