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  Arab Financial Services B.S.C. (c)

Founded in 1984, AFS is the region's leading provider of electronic-payments and consumer-finance outsourcing services. Created by the financial industry to service and support financial institutions in the region and beyond, AFS is owned by 40 of the region’s leading banks and currently provides outsourcing services to over 60 banks and financial institutions. AFS is an ISO 9001:2000 organisation and also the first PCI DSS compliant processor in the Middle East.

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Principal Shareholders

Arab Banking Corporation (B.S.C.) 54.56% 
Other financial institutions 45.44%


Products & Services

Our core services are:

  • Card processing
  • Card Personalization
  • Consumer finance processing

Our Value Added Services include :

  • Contact Centre – Inbound and Outbound
  • Risk and Fraud Management
  • Reconciliation
  • m-Commerce
  • SMS Alerts
  • Data Analytics
  • Consultancy


Card processing

Our Card processing services are designed to meet every bank's card business strategy. We offer the most cost effective and reliable card processing solutions to financial and non-financial institutions.
From launch to collection, from application entry to statement printing, we offer a complete range of services and assist in converting from in-house to outsourcing smoothly.
As a Visa and MasterCard accredited third party processor, we offer partner banks a wide range of bureau processing services through an online access to our state-of-the-art card management system via secured and reliable connections. Our services cover areas such as complete card management through secured and reliable connectivity, logistics and support, day-to-day customer service, disputes and reconciliation management.

Card Personalization

AFS is an established personalization center and is certified to produce magnetic and chip cards by both Visa and MasterCard. We can help in personalizing the EMV chip Bankcard you issue for your customers. Outsourcing the production of EMV compliant chip cards enables you to take advantage of AFS’ personalization expertise, which is a cost effective solution compared to setting up the process in-house.

Consumer Finance Processing:

AFS has extensive knowledge and expertise in the consumer lending domain. Combined with our leading industry standards systems and infrastructure, we can provide full support for various types and options of consumer lending. With our sophisticated VisionPlus technology, AFS partners have access to both our know-how and infrastructure, to deploy and implement a full range of consumer loan programs that can be integrated to other management components to represent a comprehensive lending cycle.

To implement a quick turnaround, get in touch with us now and find out how AFS can enable you with the most competitive price and quickest to market solution.


  • Arab Financial Services B.S.C (c)
    PO Box 2152, Manama, Kingdom of Bahrain
    Tel:  +973 17 290333
    Fax: +973 17 290050
    Tlx:  AFS BN 7212



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