Oman Credit and Financial Information Centre was established by Royal Decree 38/2019 issued on 8th May 2019 as an independent organization with financial and administrative independence under the supervision of the Central Bank of Oman.
The center provides information services, credit rating, creditworthiness measurement and solvency for individuals and institutions in order to enable access to credit.
This initiative is the first pillar of the Central Bank of Oman’s 2021 Strategy. To establish a cross-sector National Databank that will empower Oman to transform into a knowledge-based nation, achieving financial inclusion objectives and enabling access to credit.
Mala’a’s core business services include:
Credit Bureau services
- Facilitate Instant Decisioning Engines/ Mobile Lending Platforms
- Consultancy and Analytical Services
- Fintech Innovation
Mala’a members are comprised of Banking, Insurance, Telecommunications, Audit and Financial sectors. By connecting multiple government entities into a cohesive National Data Bank, Mala’a is positioned to serve its members, individuals and companies and government entities with the latest technologies in Credit Bureau and Data Analytics.
Our Vision: Empowering Growth through Information
To empower Oman and its people to facilitate the right financial decisions and promote the development of a stronger Oman. Positioning us on a global stage and giving our people the ability to realize their dreams with dignity, Mala’a achieves this through:
Clarity - Being a champion of clarity. Mala’a provides access to accurate, timely and reliable information.
Awareness - Educating people of Oman about the importance of their credit information.
Data Security - Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security. Mala’a data is sourced directly from the government via a highly secure dedicated network.
Consumer Protection - Mala’a is governed by the Central Bank of Oman, ensuring the confidentially and security of consumer data as stipulated by the Omani Banking Law and Regulations.
For further information, please visit Mala'a website at