UAE Credit Reports Now Include BNPL Data From Tabby & Tamara

Etihad Credit Bureau (ECB) has expanded UAE credit reports to include Buy Now, Pay Later (BNPL) account information from Tabby and Tamara, reflecting the growing role of flexible consumer finance in the country.

Effective from July 2026, the update applies to both existing and new customers of the two BNPL providers and includes relevant historical transaction data.

According to ECB, incorporating BNPL information into credit reports will provide lenders and authorised entities with a more comprehensive view of consumers' financial obligations, supporting more informed lending decisions and stronger risk assessments. The initiative is also intended to bring more new-to-credit customers into the financial system and support long-term financial inclusion.

The bureau said the enhancement reflects its ongoing efforts to strengthen the UAE's credit reporting ecosystem by improving the quality, depth and relevance of the information available through its products and services as consumer financing continues to evolve.

The initiative forms part of broader collaboration between Etihad Credit Bureau, financial institutions, fintech companies and other data providers to create a more comprehensive and resilient credit ecosystem in the UAE.