Our vision
To be a trusted AI partner for financial and public institutions, delivering transparent, scalable technology that supports better decisions.
AI, analytics and custom software.
We build intelligent technology for financial institutions, businesses and governments, combining AI and machine learning with software shaped around your needs.
Technology shaped around your organisation.
Kharetah Software is a UAE-based technology company developing custom software and intelligent systems. Our expertise spans credit analytics, AI and machine learning, reporting and data engineering. We bring these capabilities together to address the needs of financial institutions, businesses and government organisations.
Our mission
To help organisations adopt responsible AI and practical technology for faster decisions, deeper insights and better outcomes.
Software built around your needs.
We design and develop applications, integrations and intelligent tools around your processes, users and objectives.
Applications that fit your operations.
Custom business applications, workflow tools and internal systems, developed for the way your organisation operates.
- Business applications
- Workflow tools
- Internal systems
Digital services people can use.
Web applications and portals that give customers, partners and teams clear access to information and services.
Connect applications and data.
API development and system integration to connect existing tools, exchange data and automate routine workflows.
Models built for your context.
AI and machine-learning models for prediction, analysis and decision support, tailored to your data and business requirements.
Analytics and intelligence expertise.
- Credit analytics
- Credit risk modelling, portfolio analysis and decision-support tools for financial institutions working with retail and SME credit.
- AI & machine learning
- Custom AI models, predictive analytics and advanced modelling to support business and institutional decisions.
- Intelligence reporting
- Decision-ready reports combining risk, behavioural and profile-based insights in a clear, structured format.
- Alternative data intelligence
- Data engineering, aggregation and analysis across public, digital and alternative sources to provide a broader view.
ModelHub Platform
ModelHub is an AI-powered propensity platform for financial institutions. Pre-trained agents help predict customer intent, personalise product targeting and prioritise next-best actions across customer segments.
- Pre-trained AI agents
- Agents designed for specific banking products and customer segments to model customer intent.
- Next-best action
- Prioritise customer actions using eligibility, model outputs and campaign objectives.
- Personalised targeting
- Use customer insights to recommend relevant products and tailor engagement.
- System integration
- Integrate with existing banking and customer-management systems through APIs.
From requirements to implementation.
Understand
Define the business need, understand your users and data, and agree what the solution needs to deliver.
Build
Design and develop the solution, with regular reviews to keep it aligned with your requirements.
Refine
Validate functionality and model outputs, refine the details and prepare for implementation.
Let’s talk about what you need.
Tell us what you’re working on, where you need support, or what you’d like to explore with Kharetah.
- Based in
- United Arab Emirates
- Talk to us about
- Custom software · AI & machine learning · Credit analytics · ModelHub