Pakistani fintech ABHI has partnered with Saudi Arabia’s cloud-based POS platform TRAY to introduce Earned Wage Access (EWA) services in the Kingdom.
Arab News reported that this initiative is designed to promote financial inclusion by enabling employees to access a portion of their earned salary before payday, offering more financial flexibility.
The partnership involves integrating ABHI’s EWA technology into TRAY’s enterprise POS ecosystem, which serves restaurants, cafés, and cloud kitchens across Saudi Arabia. This integration will allow businesses to provide on-demand wage access to employees, supporting financial empowerment, improving workforce retention, and reducing turnover within the food and beverage sector.
Omair Ansari, ABHI’s co-founder and CEO, stated that the collaboration allows ABHI to bring Earned Wage Access directly into Saudi Arabia’s hospitality industry, helping SMEs improve workforce retention and contribute to financial inclusion in line with Vision 2030’s objectives.
With TRAY’s existing support for payments, financing, and delivery integrations, ABHI’s EWA services will be seamlessly embedded, simplifying adoption for businesses. The collaboration is aimed at advancing financial inclusion, workforce empowerment, and SME growth across the Kingdom.
Founded in 2021, ABHI has been offering credit-bridging products across Pakistan, UAE, Saudi Arabia, and Oman. In addition to EWA, the company provides invoice factoring, SME working capital, revenue-based financing, and payroll solutions.
Since its launch, ABHI has served over 1 million users in sectors ranging from textiles to healthcare, and is backed by investors like Y Combinator, VEF, SpeedInvest, Venture Souq, Global Ventures, and Zayn Capital.
