Bayanat

What Bayanat does

Bayanat is a Jordan-headquartered digital transformation enabler and Oracle systems integrator serving financial institutions and government entities across Jordan and the wider MEA region. The company implements and supports Oracle Fusion Cloud applications (ERP, HCM, CX) and Oracle Cloud Infrastructure (PaaS/IaaS), and layers a portfolio of proprietary vertical solutions on top of that core, including Bayanat Embrace (CRM for SME/Corporate Banking), Bayanat SPM (salary payment management), Bayanat Time Attendance (workforce tracking), ACQR (patented anti-counterfeit QR for checks/documents), and public-sector offerings such as Bayanat NAAS and Al Mutakamel. The technology architecture is platform-plus-modules: Oracle as the backbone with proprietary extensions and resold best-of-breed components (CR2 digital banking, SedraPAY eKYC/AML, Brankas open finance, GoAutomate AI orchestration, CMA ACH/RTGS).

Bayanat monetizes through three streams: Oracle consulting and implementation services (professional services), managed services for live Oracle environments, and licensing of proprietary software products and resold partner products. Its go-to-market is enterprise direct sales targeting retail banks, SME/corporate banks, central banks, and public-sector agencies. Customer evidence spans Arab Bank, Housing Bank, Cairo Amman Bank, Bank of Jordan, Central Bank of Jordan, Jordan Islamic Bank, Ahli Bank, APICORP, Saudi Tadawul, Saudi Post, NMDC, Jeddah Transport Company, ATCO Saudi and NBK, among over 200 cumulative clients, with delivery led by a 45-consultant team operating from Amman. The firm has no public listing and does not disclose revenue.

Name

Bayanat

Legal name

Bayanat

Website

https://al-bayanat.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Bayanat is a Jordan-based Oracle systems integrator and digital transformation provider that implements Oracle Fusion Cloud ERP, HCM, and CX for banks, central banks, and government entities across the MEA region, complemented by proprietary banking and public-sector software products.

Ownership category

akta.pro rank

Product category

Banking Technology Solutions

NAICS

Computer Systems Design and Related Services (5415), Software Publishers (513210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

B2B/EDI & Partner Integration (BPAMAOAJ)

akta.pro secondary industry

Cloud-Native Enablement (Containers, Kubernetes, Service Mesh) (BPAEAKAE)

Keywords

• Banking software solutions
• Digital transformation services
• Oracle cloud implementation
• Payment processing systems
• Financial sector consulting

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Oracle Consulting and Implementation Services: Implementation, consulting, and managed services for Oracle Fusion Cloud applications including ERP, HCM, CX, and related Oracle solutions. Services include assessment, enhancement, cloud migration, extension, support, and training.
2. Managed Services: Ongoing managed services to operate and manage software infrastructure components over Oracle Applications including Payroll Processing, Financials closures, HCM evaluations, and database management.
3. Proprietary Software Solutions: Sale and licensing of proprietary solutions including Bayanat Embrace CRM, Bayanat SPM, ACQR, GoAutomate, Bayanat Time Attendance, and other vertical solutions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Bayanat is a Digital Transformation Enabler and Business Solutions Provider that implements, customizes, and supports Oracle Fusion Cloud applications (ERP, HCM, CX) and Oracle Cloud Infrastructure for banks, central banks, and selected public-sector and enterprise clients across Jordan and the MEA region. Alongside Oracle resale and consulting, Bayanat sells proprietary vertical software (Bayanat Embrace CRM, Bayanat SPM, ACQR, Bayanat Time Attendance, Bayanat NAAS, Bayanat Al Mutakamel) and resells partner platforms (CR2 BankWorld, SedraPAY, Brankas, GoAutomate) for digital banking, payments (IPS/ACH/RTGS), fraud/AML/KYC, and open finance.

Product overview

Bayanat is a Digital Transformation Enabler and Business Solutions Provider for the financial sector in Jordan and the MEA region. The company operates a platform-plus-modules architecture built primarily on Oracle Fusion Cloud technology, reselling and implementing Oracle SaaS products (Fusion ERP, HCM, CX) alongside proprietary solutions. The product portfolio includes: (1) Oracle-based core solutions - Oracle Fusion Cloud ERP for financials/supply chain, Oracle Fusion Cloud HCM for human capital management, Oracle Fusion Cloud CX for customer experience; (2) Proprietary vertical solutions - Bayanat Embrace (SME/Corporate Banking CRM), Bayanat SPM (Salary Payment Management), Bayanat Time Attendance (HR tracking); (3) Payment solutions - Digital Payments Platform (IPS/ACH/RTGS), CR2 BankWorld (digital banking), SedraPAY (fraud/AML/KYC); (4) Anti-counterfeit solutions - ACQR for document/check verification; (5) AI-powered automation - GoAutomate (business process orchestration) and Brankas (open banking); (6) Government solutions - Bayanat Transport, NAAS, Al Mutakamel; (7) Infrastructure - Oracle PaaS and IaaS; (8) Services - Consulting, Managed Services, Cloud Adoption, and Integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Bayanat Embrace Proprietary vertical CRM for SME and Corporate Banking built on Oracle Cloud CX Platform, providing a 360-degree customer view, end-to-end commercial process management, and integration with back-end and front-end banking solutions. Targeted at commercial banking units in retail banks.
• Oracle Fusion Cloud HCM Complete Oracle Fusion Cloud HCM solution covering Core HR, Talent Management, Workforce Management, and Payroll, delivered as a unified cloud platform with consistent experience across devices and one source of truth for HR data.
• Oracle Fusion Cloud ERP Modern cloud ERP suite from Oracle covering Supply Chain Management, Financials, Procurement, and Project Management with embedded AI for process automation, real-time analytics, and automatic updates.
• Oracle Fusion Cloud CX Connected Oracle suite of applications for marketing, sales, commerce, and service that creates, manages, serves, and nurtures customer relationships with a complete customer view across interaction channels.
• Bayanat SPM (Salary Payment Management) Technology-independent Salary Payment Management solution enabling corporate clients to perform secure bulk salary payments through banks, with self-service account management, employee data validation, and analytical reporting.
• CR2 BankWorld Omnichannel digital banking and payments platform offering mobile, internet, and corporate banking; ATM/kiosk self-service; card management; switching; POS; and payment processing capabilities delivered through CR2 partnership.
• SedraPAY Solutions End-to-end fraud detection, AML compliance, and KYC solutions including the SEDRACHECK cloud-based engine for identity verification, digital onboarding, eKYC, and fraud detection using OCR, liveness check, image recognition, and multi-document verification.
• Brankas Open Finance Suite Open Banking and Open Finance compliance platform enabling Bank-as-a-Service (BaaS), allowing financial institutions to understand customers and provide modern financial services using AI and Financial Infrastructure technologies.
• GoAutomate Enterprise-grade no-code systems orchestration platform using AI, machine learning, computer vision, and NLP for business process automation, including AML & Fraud Compliance, Payments Modernization (ISO 20022, MT103), and Document Intelligence.
• ACQR (Anti-Counterfeit QR) Patented (USA Patent Office) anti-counterfeit QR platform that electronically verifies and processes checks and critical documents, with modules for document verification, check security, and ATM transactions.
• Digital Payments Platform (IPS / ACH / RTGS) Comprehensive digital payment solutions including IPS (Instant Payment System/CliQ), ACH (Automatic Clearing House for bulk clearing), and RTGS (Real Time Gross Settlement), enabling secure funds transfer, collection services, and payment processing for banks.
• Central Bank Products (CB Tasleef, CB Iskan, CB Reporting) Specialized suite of products for Central Banks including CB Tasleef (lending application for member banks), CB Iskan (housing loans for employees), and CB Reporting (analytics and dashboards for decision-making).
• Bayanat Transport Centralized web-based solution for Driver and Vehicle Licensing Departments (DVLDs) that streamlines driver licensing, vehicle licensing, training center management, and ticketing systems with dashboards and reporting.
• Bayanat NAAS (National Aid Support System) Centralized Decision Support System for Social Solidarity and National Aid Fund commissions that promotes poverty alleviation and efficient resource allocation through citizen inspection and eligibility determination.
• Bayanat Al Mutakamel Resource planning software for Public Sector financial management based on Commitment Accounting principles, covering Public Financials Management, Government Payroll Management, Civil Service Management, and Government Inventory Management.
• Oracle IaaS Oracle Cloud Infrastructure (OCI) solutions providing real-time elasticity, secure accessibility, autonomous services, and high-computing serverless environments for enterprise applications.
• Oracle PaaS Comprehensive standards-based platform built on Oracle and open-source technologies providing integration and compliance capabilities, custom component development, SaaS extension, middleware integration, API catalog, BI/analytics, digital assistance, and blockchain solutions.
• Bayanat Time Attendance (BTA) Comprehensive all-in-one HR attendance and time tracking solution with workforce time tracking, attendance reconciliation, leave accrual, overtime classification and tracking, shift and schedule management, allowance determinations, and disciplinary protocols, seamlessly integrated with native Payroll and Core HR.
• Consulting Services Oracle Applications consulting services including assessment, enhancement, cloud migration, extension, support, and training to optimize existing Oracle implementations for financial-sector clients.
• Managed Services Managed services for Oracle Applications covering payroll processing, end-of-year and month closures, performance evaluations, digital marketing campaign execution, and database and middleware infrastructure management.
• Cloud Adoption Services Oracle Cloud adoption services that help financial organizations transition to Oracle Cloud (SaaS, PaaS, IaaS) in multiple deployment models.
• Integration and Orchestration Services Middleware platform providing seamless integration between systems, applications, and data sources using Oracle Service Oriented Integration (SOI) for hybrid and multi-cloud environments.

Quantifiable outcome

• Reduced operational costs, increased flexibility and accessibility, lower maintenance investments through cloud adoption
• +3 more outcomes

Named customers23 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability13 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core, secondary and minor.

• OraclecoreTechnology or IntegrationBayanat is a dedicated Oracle Partner in the MEA region with accredited certifications in multiple Oracle Products and Solutions, especially in Oracle Fusion Cloud technology. Oracle is the primary technology platform partner providing the core technology stack including Oracle Fusion Cloud ERP, HCM, CX, Oracle Cloud Infrastructure, Oracle PaaS, and Oracle IaaS solutions.
• GoAutomatesecondaryTechnology or IntegrationA leading provider of intelligent business automation helping clients create efficiency in current business processes with comprehensive, scalable, and cost-effective solutions based on the latest AI and ML technologies.
• CR2coreTechnology or IntegrationA world-leading vendor within the Digital Banking Platform market with market leadership position in Africa. CR2 provides banks with ultimate Digital, Self-Service and Payments solutions. Bayanat and CR2 signed agreement to implement CR2's Digital Banking & Payments Platform for business banking.
• SedraPAYsecondaryTechnology or IntegrationA leading provider of payment technology and integrated software solutions providing cutting-edge payments and software solutions to enterprise businesses.
• BrankassecondaryTechnology or IntegrationThe premiere provider of Open Finance APIs, platforms, and systems for financial institutions and central banks to better understand their customers and provide modern financial services.
• CMA (Chartered Institute of Management Accountants)coreTechnology or IntegrationProvider of ACH and RTGS digital payment solutions. Bayanat implements CMA's digital payment solutions including ACH, RTGS, and related payment platforms for banks across Jordan.
• Cloud4CminorImplementation/ SI/ Consulting PartnerCloud services partner for OCI migration projects. Bayanat partnered with Cloud4C to complete major cloud migration project at ATCO Saudi.
• SBMminorImplementation/ SI/ Consulting PartnerPartner under whose umbrella Jeddah Transport Company project was completed. Bayanat and SBM partnered to implement Oracle EBS Performance Management at Saudi Post.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Infosys: Global IT services firm with established Oracle Cloud partnerships and a strong financial services practice. Competes for similar digital banking and core modernization mandates across MEA.
• Accenture: Global system integrator with a deep Oracle practice and a strong financial services consulting arm. Competes for the same Tier-1 Oracle Cloud transformation engagements across MEA banks.
• Wipro: Global IT services firm with a substantial Oracle Cloud practice and banking and financial services vertical. Competes for Oracle implementation, managed services, and digital transformation deals across MEA.
• Deloitte: Big Four professional services firm with a global Oracle alliance and large financial services consulting practice. Frequently competes for Oracle ERP/HCM and finance transformation mandates in MEA banks.
• Cognizant: Global IT services firm with significant Oracle Cloud Application services and a dedicated banking and financial services vertical. Competes for enterprise Oracle transformation work in MEA.
• Tata Consultancy Services (TCS): Largest Indian IT services firm with extensive Oracle Cloud and banking transformation capabilities. Competes for large-scale Oracle implementation and managed services contracts in the region.

Direct peers

• KPIT Technologies: Global technology services company with a dedicated Oracle practice and significant financial services focus. Comparable on Oracle implementations for banks and adjacent digital transformation offerings.
• Megasoft Limited: Oracle-focused IT services and implementation firm with similar systems-integration and managed-services model. Comparable as a mid-sized Oracle partner delivering implementation, consulting, and proprietary solutions to enterprise clients.
• Jade Global: Oracle Platinum partner providing implementation, consulting, and managed services across ERP, HCM, and CX with a strong financial services vertical. Directly comparable on Oracle-centric SI model and FS customer base.

Regional players

• Gulf Business Machines (GBM): Largest Oracle partner in the Gulf and broader MEA region offering Oracle implementation, infrastructure, and managed services. Comparable as a regional Oracle-focused SI serving the same enterprise and government accounts, though at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

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Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bayanat