Etihad Credit Bureau integrates GPSSA and Nafis data to boost financial inclusion

As the UAE continues to digitize public services and financial infrastructure, government-backed data integration is playing an increasingly important role in improving lending decisions.

In its latest move, Etihad Credit Bureau (ECB) has integrated verified income data from the General Pension and Social Security Authority (GPSSA) and the Nafis programme into its credit information products, giving financial institutions a more complete view of borrowers’ financial profiles.

The update expands the information available through ECB’s Individual Credit Report by incorporating verified pension income and eligible Nafis financial support alongside salary data. According to the bureau, the integration could improve income assessments and potentially expand access to financial products and credit facilities for eligible UAE nationals.

The digital integration establishes a connected ecosystem for the exchange of financial, credit, and government support data. By combining data exchange and analytics while maintaining high standards of data security and transparency, the initiative supports the UAE’s broader push toward a more connected and efficient financial ecosystem.

The enhanced dataset is also expected to improve the assessment of an individual’s Income Utilization Ratio (IUR), enabling lenders to make more informed credit decisions based on verified sources of income.

Commenting on the initiative, Marwan Ahmed Lutfi, Director-General of Etihad Credit Bureau, said, “The inclusion of verified Pension income and Nafis financial support data within our credit information products marks an important enhancement to the way income is assessed. By recognising pension income and applicable Nafis financial support alongside existing salary data, financial institutions can form a more complete view of an individual’s steady financial income and make better-informed credit decisions…”

Faras Abdul Kareem Al Ramahi, Director-General of GPSSA, said the partnership strengthens data-driven decision-making and supports initiatives that contribute to citizens’ long-term financial well-being.

Ghannam Al Mazrouei, Secretary-General of the Emirati Talent Competitiveness Council, said integrating Nafis support into credit reports will improve financial transparency and help lenders better assess borrowers’ financial obligations, strengthening support for Emirati talent.