Built for Islamic finance. Not adapted for it.

iMAL is the AAOIFI-certified core banking platform running retail, corporate, treasury, investment, trade finance, and microfinance for Islamic financial institutions in 38+ countries.

Every Islamic banking domain, one core

Six of the capabilities institutions evaluate first. iMAL also covers investment management and microfinance for institutions with those specific needs.

Islamic core banking

A Shari’ah-compliant foundation supporting multi-entity, multi-currency operations with real-time processing, regulatory reporting, and a full customer view.

Islamic financing

End-to-end lifecycle management across Murabaha, Musharaka, Mudarabah, Ijara, and Istisna, from origination and disbursement through repayments and collections.

Islamic profit calculation

An AAOIFI-certified engine that automates accruals, allocations, reserves, and distributions, with pool management for transparent profit-sharing.

Islamic treasury

Real-time coverage of money markets, FX, and risk controls to optimize liquidity and strengthen financial resilience.

Islamic trade finance

Shari’ah-compliant guarantees, letters of credit, and collections, with automated workflows and built-in compliance checks.

Digital banking platform

API-first, cloud-ready architecture connecting to mobile, online, and open banking ecosystems for seamless omnichannel experiences.

AAOIFI-certified. Built for Islamic finance from the start.

Not a conventional core adapted after the fact. iMAL’s architecture puts Shari’ah compliance inside every product and process, across all eight banking domains, on one platform.

Trusted by Islamic banking leaders

Six of the capabilities institutions evaluate first. iMAL also covers investment management and microfinance for institutions with those specific needs.
"The iMAL R14 upgrade is a critical step forward, equipping us with the technology to enhance efficiency and continue delivering innovative, Shari'ah-compliant financial solutions."

Rizwan Ata

President & CEO, BankIslami
"We've achieved full Shari'ah compliance while streamlining our operations and delivering transparent, efficient services to our customers. The solution has been a reliable backbone in our journey to scale and lead in Ethiopia's interest-free banking sector."

Daniel Hailu

CIO, Bank of Abyssinia
"Azentio has been a core enabler in our journey to becoming a digital-first, Shari'ah-compliant corporate bank. Their AAOIFI certification and seamless integration offerings helped us launch on time and build a solid foundation for future expansion."

Parvin Jain

CEO, Vision Bank

Frequently asked questions

iMAL is designed to support different Islamic banking models, including full-service Islamic financial institutions and conventional banks establishing Islamic banking operations.
iMAL is an AAOIFI-certified Islamic core banking platform. Certification supports its positioning as a core built specifically around the requirements of Shari’ah-compliant finance.
iMAL supports Islamic financing products including Murabaha, Musharaka, Mudarabah, Ijara, and Istisna, with lifecycle management from origination and disbursement through repayments and collections.
Yes. iMAL uses API-first, cloud-ready architecture designed to connect Islamic banking capabilities with mobile, online, and open banking ecosystems.
iMAL includes an AAOIFI-certified profit calculation engine that supports accruals, allocations, reserves, distributions, and pool management for Islamic profit-sharing.
An Azentio specialist will discuss your requirements and arrange a product demonstration focused on your institution’s Islamic banking use cases.

See iMAL running the way your institution would run it

Bring your specific use case, whether that’s launching a new financing product, modernizing profit distribution, or connecting Islamic banking to a digital channel.
  • ✓ AAOIFI-certified core, purpose-built for Islamic finance
  • ✓ Live in 38+ countries, managing 25M+ accounts
  • ✓ One platform across eight Islamic banking domains