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A joint analytical study by Lean Technologies and Saudi fintech giant Tamara has revealed a landmark 32% increase in credit approval rates following the integration of Open Banking data into credit scoring models. The study highlights a pivotal shift in the MENA consumer finance sector, moving away from static, legacy data—such as fixed salary certificates—toward real-time financial behavior and granular cash-flow analysis.

By addressing the "data gap" inherent in traditional credit bureau models, the partnership has unlocked access to credit for a vast segment of the modern workforce, including freelancers and gig economy participants. The integration of real-time bank account data, combined with official sources like SIMAH and GOSI, has enabled Tamara to transition from assessing historical snapshots to analyzing current financial vitality. This restructured risk framework not only boosts approval rates but ensures a more accurate and fair distribution of credit limits across the Saudi and Gulf markets.