Arab Financial Services

Arab Financial Services (AFS) is a prominent digital payment solutions provider and fintech enabler based in Manama, Bahrain. Established in 1984, AFS is owned by 37 banks and financial institutions and serves over 60 clients across more than 20 countries. The company has offices and data centers in Bahrain, Egypt, Oman, and the United Arab Emirates. AFS offers a range of customized payment solutions tailored for banks, financial institutions, and merchant groups. Their services include card processing for debit, credit, and Islamic cards, merchant acquiring, fintech and open banking solutions, digital banking, mobile wallets, and digital payroll solutions like the Al Rateb platform.