Azentio iMAL - 2026 Pricing, Features, Reviews & Alternatives

Azentio iMAL is an AAOIFI-certified core banking solution specifically built for Shari’ah-compliant finance. It enables institutions to deliver retail, corporate, treasury, investment, trade finance and microfinance services that adhere to Islamic finance principles. The platform aligns every product, process and transaction with Shari’ah guidelines by default to reduce compliance risk and strengthen governance. It serves full-service Islamic banks, Islamic windows within conventional institutions and specialized financial service providers operating across multiple countries.

The platform comprises integrated modules that address the full spectrum of Islamic banking operations. The core banking module supports multi-entity and multi-currency operations with real-time processing and regulatory reporting. The financing module manages product origination, disbursement, repayment scheduling and collections for contracts such as Murabaha, Ijarah, Mudarabah and Musharakah. The profit calculation system automates accruals, allocations, reserve management and distribution calculations with transparent, audit-ready workflows. The treasury module handles money market operations, foreign exchange management and liquidity controls. The investment management component administers portfolios and funds for sukuk, equities and commodities. The trade finance module processes guarantees, letters of credit and collections through automated workflows with embedded compliance checks. The microfinance module extends ethical financing to underserved communities through flexible group and individual lending and mobile-enabled workflows. The digital banking platform integrates mobile and online channels through an API-first design to deliver omnichannel customer experiences.

The technical architecture enables seamless integration with third-party systems including customer relationship management, business intelligence, payment gateways and regulatory reporting tools. The solution supports on-premise, cloud-based or hybrid deployment models to accommodate diverse infrastructure strategies. Its modular, parameter-driven configuration framework allows institutions to launch new Shari’ah-compliant products swiftly, expand into new markets and scale operations without major system modifications. Advanced security measures safeguard data protection and transaction integrity. Multi-currency and multi-lingual support facilitate global operations.

Embedded compliance features provide tools for risk management and monitoring to ensure adherence to local and international regulatory standards. Detailed reporting and analytics capabilities deliver insights for strategic decision-making and regulatory compliance monitoring across all banking activities. The design promotes transparency and auditability to meet the requirements of regulators, boards and customers for every transaction.