Commercial Bank International leads investment round in generative AI FinTech


Commercial Bank International (CBI), the Dubai-based corporate and retail bank, has announced its investment in, a FinTech startup pioneering the application of generative AI in lending.

The investment includes a post-seed bridge round investment into, alongside a group of global investors, ahead of the company’s planned Series A raise, which is due to take place later in 2024.’s flagship software – zypl.score – enables financial institutions to optimise credit decision models across retail and SME portfolios through the generation of synthetic data. Over 35 banks across 12 markets in Eurasia have deployed’s proprietary AI-as-a-service software, underwriting >$100 million of credit portfolio at minimal default rates.

To power its credit decisions, has built proprietary generative adversarial networks (GAN) on a cumulative dataset of over 54 million traditional and alternative data points. This unique approach provides financial institutions with macro-resilient decisioning on dynamically trained AI models that factor in changing macroeconomic cycles.

When deploying, enterprise clients can fully customise zypl.score to their risk appetite with the goal of reflecting competitive market advantages. Through on-premises deployment, ensures full data privacy and confidentiality. Thanks to its interpretability features with embedded ‘weight-of-evidence’ for each credit decision, zypl.score is fully compliant with emerging regulatory conditions that require explainability of ‘black-box’ credit models.

Ali Sultan Rakkad Al Amri, CEO of Commercial Bank International, said “Our partnership with, an innovative AI platform, signifies a strategic entry into using AI implementation for advanced credit scoring. By harnessing’s synthetic data AI powered algorithms, we’re confident we can further enhance our operational efficiencies to ensure a swift and seamless lending experience. Our work and investment with zypl,ai aligns well with our commitment to supporting innovation in the UAE and with our strategic ambition to partner with only the most innovative partners in the financial technology space. We look forward to supporting’s growth both regionally and internationally.”