Al Hassan Ghazi Ibrahim Shaker

Cashew is an online payment platform aimed at simplifying access to finance for consumers in the MENA region. Established nearly two years ago, it offers innovative payment options that allow customers to buy products and pay later. Its services include DELAY, which enables payment after delivery; DIVIDE, which allows for credit and debit card installment plans; and DEFER, providing a new credit line without the need for a credit or debit card. The platform utilizes a data-driven underwriting system that assesses multiple factors, including both structured and unstructured data, to conduct soft credit checks without affecting the user's credit score. Cashew focuses on point-of-sale financing, enabling merchants to offer flexible installment-based payment options, thereby increasing sales, average order values, and reducing cart abandonment. This comprehensive approach caters to the diverse needs of both consumers and merchants within the Middle East retail market.