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We invest, innovate, and scale sustainable businesses — transforming ideas into global opportunities.

Market Presence

with expanding and portfolio development across many entites of Zamzam Holding Companies & portfolio

Subsidiary Profiles

With a deep financial focus, Zamzam Holding started over three decades ago, developing and investing in different areas, such as money exchange, mobility, manufacturing, public trading,

Investment Focus Areas

Zamzam Holding manages a diversified portfolio of operating companies and strategic investments across multiple sectors, including:

Fintech & Financial Services
Technology & AI
Manufacturing & Trading
Marketing & Mobility

Fintech & Financial Services

Zamzam exchange, Dar exchange, Cham exchange, Asysar, Sippar.

Expanding its digital financial services like Dinarak wallet and Aysar money transfer system to promote greater financial inclusion and capitalize on the growing demand for convenient digital payment solutions

Strategic Roadmap

Zamzam Holding's growth strategy focuses on four key pillars:

Expanding its market reachDiversifying its portfolioLeading with digital innovationOperating sustainably

Awards & Recognitions

Financial inclusion awards

Dinarak has been recognized for its efforts in financial inclusion, receiving the FinX2018 "Financial Inclusion Initiative of the Year" from Fintech Galaxy and the "Financial Inclusion Initiative" from the Seamless Awards 2019.

Global recognition

Dinarak was selected as part of the "Inclusive Fintech 50" by MetLife Foundation and Visa Inc., alongside global non-profit Accion and the IFC.

Strategic Partnerships

Zamzam Holding fosters strategic partnerships through internal synergy, using its subsidiaries' capabilities like Fikratech's software and DigiXai's AI to benefit the entire group. It expands its network via its subsidiaries, such as Zamzam Exchange's Aysar system, and forges external infrastructure partnerships, like Dinarak's integration with Jordan's JoMoPay. The holding also makes future-focused investments in tech to stay at the forefront of innovation.

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