Built for regulated lending & risk
نبض · Pulse of Every Process

Process intelligence with regulatory conformance built in.

Nabd mines your event logs to surface process inefficiencies, regulatory violations, and peer benchmarks — then delivers the findings in board-ready reports. Conformance packs configurable for any regulator or jurisdiction.

On-premise & in-region data-sovereign deployment available
Retail Lending — Conformance vs regional peer median
1 Credit Bureau Check On time
2 Affordability Check Present
3 Credit Decision +3.2 days
4 Compliance before Offer 36 cases ✕
5 Disbursement Complete
Standards-based & regulator-ready
Configurable regulatory packs IEEE 1849 (XES) · BPMN 2.0 Multilingual reports · Arabic & English In partnership with Qarar
The platform

Six lenses on every process

From discovery to AI-guided recommendations — each view built around how lending and risk teams actually work.

Regulatory Conformance

Load your jurisdiction's rules and test every case against them — mandatory activities, sequencing, timing, and disclosure. Build a conformance pack for any regulator and run it across your event log.

Our differentiator

Process Flow

Directly-follows graph with edges coloured green, amber, or red against your benchmark — see where the process really goes.

Performance

Turnaround-time distributions, P90 durations, and the bottleneck activities driving your delays.

Variants

Fast-Track, Happy Path, Rework, Escalation, Exception — each with live case counts so you know how common each route is.

Outcomes

Approval, take-up and withdrawal rates plus the disbursement funnel — measured against regional peers.

AI Advisor

Chat with your process context in Arabic or English. Auto-detects language, explains findings, and recommends next actions.

Arabic-native
Programme oversight

One programme. Many originating partners. One view.

Government and development-finance programmes are delivered through a network of originating lenders — each with its own systems, its own service standards, and its own reading of the rules. Nabd consolidates the event trail from every participating partner into a single programme view, so the programme owner can compare turnaround, conformance and drop-off partner by partner, on identical definitions.

Partner scorecard

Rank every originating partner on turnaround, conformance rate, approval and drop-off — measured the same way, from the same event log.

Programme rules alongside regulation

A case can satisfy the regulator and still breach the programme's own eligibility or service-level criteria. Both rule sets run over the same log.

Attribution on every event

Each event carries its originating partner, so a bottleneck traces back to the partner, the branch, and the step that caused it.

Applicant drop-off

See where applicants leave the funnel — and whether the cause is programme design or one partner's execution.

Built for housing and real-estate development funds, SME guarantee and financing schemes, subsidised lending programmes, and any aggregator disbursing through third-party originators.

How it works

From event log to action in four steps

No process-mining PhD required. Upload your data and Nabd does the discovery, the checking, and the reporting.

01

Upload event log

Import a CSV or XES file. Select the process type — retail or SME lending.

02

Discover the process

Nabd mines the real as-is flow, variants, and bottlenecks automatically.

03

Check conformance

Every case is tested against your regulatory reference model and flagged.

04

Get the report

Export a bilingual, board-ready PDF with findings and recommendations.

Plans

Built to match how you deploy

From a shareable cloud proof-of-value to a fully air-gapped, data-sovereign install inside your bank.

Starter

For a first proof-of-value engagement, cloud-hosted.

Talk to us
  • Single process type
  • Cloud-hosted demo URL
  • AI Advisor (cloud)
  • English reports
Start a POV

Enterprise & Sovereign

For banks requiring data residency or air-gapped operation.

Contact sales
  • On-prem or in-region cloud
  • Local LLM (air-gapped)
  • SSO & audit export
  • Dedicated support
Contact sales
Learning & development

Nabd Practice Lab

Build practical process-mining skills with the Nabd Foundation Course, a concise starting point for learning the fundamentals.

Explore the foundation course

See your own process, mined in days.

Bring a sample event log and we'll show you the variants, bottlenecks, and regulatory findings hiding in your lending data.

Request a demo