RIYADH: Across the Middle East and North Africa, homegrown fintechs are addressing financial exclusion from two entirely different starting points, and two platforms illustrate that divide well: Valu in Egypt, and Arib in Saudi Arabia.
Valu is an Egyptian buy now, pay later and consumer finance platform that gives customers a revolving credit limit for purchases across retail, healthcare, education, and other categories.
Arib is a licensed Saudi digital financing broker that lets customers compare and access financing options from…


