Bayan Credit Bureau

From data complexity to strategic clarity with Odoo

Bayan Credit Bureau is Saudi Arabia’s leading provider of commercial credit information. With a mission to deliver transparent and secure financial data, Bayan plays a central role in enhancing the creditworthiness ecosystem across the Kingdom. Operating under the regulatory oversight of SAMA and aligned with ZATCA standards, the company aggregates millions of data points to provide real-time, actionable insights to banks, insurers, and corporates. By combining cutting-edge technology with robust compliance, Bayan ensures that decision-makers access reliable, up-to-date financial intelligence across sectors.

Challenge

As a fast-growing data powerhouse, Bayan needed to elevate its internal systems to meet the scale and pace of market demand. Managing millions of credit profiles and financial reports required a robust backbone capable of secure integration, real-time analytics, and seamless collaboration between business units.

Primary objective: Build a secure, compliant, and scalable foundation to support high-volume credit data management while enhancing cross-department collaboration and operational efficiency.

Key challenges

Fragmented internal operations across finance, compliance, and analytics teams
No unified view of business performance across departments
High data security and regulatory compliance requirements (SAMA & ZATCA)
Lack of automation in managing over 1M+ business profiles and 300K+ audited financials
Need for scalable systems to support 200M+ companies tracked globally

Solutions

To meet these strategic needs, Solution Founder implemented a tailored Odoo ERP platform, delivering a secure, real-time, and unified ecosystem for finance, operations, and data management. The deployment focused on high compliance, scalability, and cross-functional alignment.

1Secure, SAMA & ZATCA-Compliant Architecture

Solution Founder designed and deployed a financial solution fully compliant with Saudi Arabian Monetary Authority (SAMA) and Zakat, Tax and Customs Authority (ZATCA) requirements. The system integrates with tax reporting modules, audit trails, and secure encryption layers to meet both regulatory and internal standards.

Benefits:

Audit-ready reporting aligned with local fiscal laws
Automated VAT and e-invoicing functionalities
End-to-end traceability for financial operations

2Unified Platform for Data & Finance

By consolidating siloed systems into one ERP backbone, Bayan gained full control over financial flows, data ingestion, and credit analysis processes. This centralization now supports real-time collaboration between departments, enhanced traceability, and faster credit data generation.

Benefits:

Real-time dashboards for credit insights and operational KPIs
Centralized access to over 1M business profiles and 300K financial documents
Automated workflow triggers across departments (finance, ops, compliance)

3Scalable Infrastructure for Massive Data Volumes

With over 200M company records globally, the solution was engineered for scalability and performance. Odoo’s modular approach, combined with Solution Founder’s cloud-native architecture, ensures Bayan can scale processing and data enrichment without compromising performance.

Benefits:

Scalable architecture for growing credit datasets
Fast processing of credit scoring and analytics workflows

Result

Impactful transformation through unified operations and real-time intelligence

Since implementation, Bayan Credit Bureau has achieved significant operational and strategic outcomes. The new system provides the technological and compliance foundation to support its mission of delivering trustworthy, large-scale credit data in real-time.

Faster decision-making: Teams access analytics and insights in real-time via dynamic dashboards
Audit-ready compliance: All financial processes are now fully traceable and meet regulatory standards
Unified operations: Finance, compliance, and product teams operate within a single, collaborative platform
Scalable data handling: Credit analytics can now support millions of new business profiles without system strain

Feature 1

Real-Time Analytics for Credit Intelligence

The custom Odoo dashboards provide Bayan with up-to-the-minute visibility into credit scoring operations, customer insights, and regulatory alerts. This empowers teams to act quickly and with precision.

Live monitoring of profile updates and score fluctuations
Instant reporting of financial anomalies
Custom filters for regulatory and risk segmentation

Feature 2

Cross-Team Workflow Automation

Manual intervention has been reduced drastically through automation. From onboarding new companies to tracking document approvals, every critical step is digitized and streamlined.

Smart approval flows across departments
Auto-notifications for audit flags or compliance breaches
SLA-driven task assignment and validation rules

Feature 3

Compliance-Ready Tax & Invoicing System

Designed for local compliance, the system handles e-invoicing, tax submissions, and archiving in line with ZATCA and SAMA directives.

Real-time VAT and invoice validation
Seamless integration with GAZT e-invoicing portals
Audit trails for every financial operation

Conclusion