Du Pay, the digital financial services arm of du, has partnered with Deem Finance, a regulated UAE financial institution, to launch Flexi Cash Loan — a new short-term digital lending product embedded directly within the du Pay wallet.
The solution combines du Pay’s digital wallet ecosystem and customer insights, Deem’s regulated lending capabilities, and Airvantage’s credit decisioning technology to deliver a fully digital, end-to-end lending experience. The aim is to provide fast, transparent access to short-term credit for UAE expat workers who often face limited access to traditional banking products due to insufficient credit history.
By leveraging transaction behaviour and usage data within the du Pay wallet, along with Airvantage’s behavioural analytics and credit scoring engine, the partners can make data-driven lending decisions based on real customer engagement rather than conventional credit metrics.
The product offers a fixed one-time fee with clear upfront pricing, flexible monthly repayment options aligned with income cycles, and a fully digital process. Loans can be used for daily expenses, emergencies, remittances, or travel needs.
Du Pay leadership highlighted that the product addresses a longstanding gap for blue-collar and mid-income expat communities, while Deem emphasised responsible lending anchored in regulatory compliance. Airvantage described the partnership as a model for delivering scalable, fair, and technology-driven financial inclusion.
The collaboration reflects a broader shift in the UAE financial ecosystem toward inclusive, digital-first lending models that combine wallet platforms, licensed lenders, and fintech infrastructure to serve underserved segments while maintaining strong governance and customer protection.
