Since 2008, Majid Al Futtaim Finance has been striving to help customers achieve more with financial solutions tailored to their specific needs. At Najm, every process, system and solution revolve around the customer experience. From innovative products with a branchless business model to global customer service standards, Najm is enabling payments for customers by creating relevant, effortless and enriching experiences every day. Najm offers consumer and corporate financial tools including; credit cards, prepaid cards, corporate travel and entertainment expense management programs, incentive and redemption programs and a retail and online prepaid marketplace platform.

And we have entered into a joint venture with Beam, a mobile commerce and rewards platform that turns smartphones into digital wallets and allows customers to shop, earn and redeem rewards while enjoying specifically targeted offers and promotions, all without using cash or cards.