The collaboration combines robust processing infrastructure with human-centered design, shifting financial services from reactive transactions to proactive, everyday support.
Paymentology, a leading global issuer processor, has entered a strategic partnership with Liabify, a financial wellness platform specializing in payroll-linked financial services. The collaboration aims to broaden access to earned wage access, responsible credit, savings tools, remittances, bill payments, and secured lending for middle-income and expatriate workers across the GCC and other emerging markets.
The partnership leverages Paymentology’s cloud-first card issuing and processing infrastructure and Liabify’s payroll-integrated financial ecosystem, allowing employers and platforms to deliver financial services directly within the flow of work. This approach aligns with the rapid growth of embedded finance, which is expected to reach $7.2 trillion globally by 2030, and the increasing demand for financial tools tied to income and employment.
Expatriate workers, who comprise approximately 88–89% of the UAE’s population, are central to this initiative, with cross-border remittances in the region valued at around USD 39 billion. By embedding financial services into employer ecosystems, Liabify can reach customers often underserved by traditional banking models, providing both access and financial literacy.
Nauman Hassan, Regional Director for MENA at Paymentology, emphasized that the partnership enables financial services to be delivered at the moments they matter most, linking them to income and daily financial behavior. Dr. Allan Villegas, Co-Founder and CEO of Liabify, highlighted that the collaboration will allow the company to scale faster while delivering secure, compliant financial tools to improve everyday financial wellbeing.
The initial focus of the partnership will be the GCC region, with plans to expand into additional emerging markets where growing middle-class populations and cross-border workforces demand more flexible and inclusive financial solutions. The collaboration combines robust processing infrastructure with human-centered design, shifting financial services from reactive transactions to proactive, everyday support.
