UAE Credit Reports to Include BNPL Data from 2026

Jul 27, 2026

55 min

Jul 27, 2026 12:30

UAE credit reports to include Buy Now, Pay Later data from Tabby and Tamara

## Inclusion of BNPL Data

Starting July 2026, UAE credit reports will incorporate Buy Now, Pay Later (BNPL) transaction data from providers Tabby and Tamara. This initiative by the Etihad Credit Bureau (ECB) aims to give lenders a more comprehensive view of borrowers' financial commitments.

## Broader Financial Insights

The integration of BNPL data into credit reports reflects the evolving financial services landscape in the UAE. By including this information, the ECB seeks to enhance the quality and scope of financial data available to lenders, facilitating more informed lending decisions.

## Impact on Borrowers

For consumers, this change means that responsible use of BNPL services can positively impact their credit profiles. Tabby and Tamara emphasize that this move will support transparency and expand access to formal financial services.

## Strengthening the Credit Ecosystem

Marwan Ahmad Lutfi, Director General of the ECB, stated that this development is part of efforts to strengthen the UAE's credit reporting framework. The inclusion of BNPL data is expected to support a more inclusive and resilient financial ecosystem by providing a fuller picture of consumers' financial obligations.

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