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While Ziina takes care of the customer experience, which includes designing the payment flow, Lean delivers the regulated infrastructure that supports the journey, which includes secure connectivity, compliant payment initiation, and enterprise-grade resilience. The two companies aim to reflect the UAE consumers’ demands and needs, solving their problems instantly and predictably. The initiative marks the transition of Open Finance in the region from technical readiness to real-world application, demonstrating how regulated API connectivity supports production-grade payment flows.
Ziina’s contribution stands in building a unified payments platform used by consumers and SMEs across the country, which integrates account transfers, card acceptance, invoicing and everyday payment experiences into a single interface. This demonstrates how regulated connectivity can translate into simple interactions that meet the expectations of users in a rapidly digitising economy.
