Personalized Customer Journeys in Islamic Finance with Jiway’s Modular System (MozaIK)

How Jiway’s MozaIK Creates Personalized Customer Journeys in Islamic Finance

In today’s financial landscape, clients, especially those engaged in Islamic finance, expect personalized, ethical, and digitally enhanced experiences. While Islamic banking institutions have core systems to manage Shariah-compliant products like Murabaha or Qard Hasan, they often lack the flexible, client-facing digital layer that enhances engagement, compliance, and onboarding.

That’s where Jiway’s MozaIK platform comes in.

What Is MozaIK?

MozaIK is not a core banking system. It is a modular digital enablement platform that complements existing core banking and wealth management systems. It empowers institutions to improve digital client onboarding, document and workflow management, relationship tracking, compliance handling, and reporting.

With MozaIK, financial institutions and Islamic family offices can digitize and personalize customer journeys without modifying their core operations or systems.

Digital Enablement in Islamic Finance

Islamic financial institutions need more than compliant financial products, they need Shariah-friendly digital infrastructure to onboard clients, manage documentation, and maintain transparency and trust.

MozaIK helps Islamic institutions by:

• Supporting multilingual digital onboarding journeys
• Automating document collection and validation
• Managing workflows aligned with Islamic governance and compliance
• Enabling the use of customizable templates vetted by Shariah boards

By layering MozaIK on top of a Shariah-compliant core system, institutions can enhance client experiences without compromising compliance.

Modular Features Aligned with Ethical and Shariah Standards

MozaIK includes:

• OnBoardPro: Configurable client onboarding (with eKYC, document uploads, and e-signatures)
• Relate360: Relationship lifecycle management for clients, investors, and stakeholders
• FlexiForms: Digitized, rule-based form workflows to replace PDFs or paper-based processes
• ContractMaster: Customizable, multi-language contract generation with templates that can align with Shariah standards
• Data Room Access: Secure client portals to share and manage critical documentation and reports

These tools improve internal efficiency, reduce compliance risk, and create smoother, audit-ready digital experiences.

Example: Digitally Serving a Shariah-Compliant Family Office

A family office in DIFC adhering to Islamic principles wants to:

• Onboard clients in Arabic and English
• Use only contracts reviewed by a certified Shariah board
• Create secure digital profiles for investors and stakeholders
• Collaborate on documents via a private data room

With MozaIK, the institution can:

• Digitize onboarding with eForms and video KYC
• Apply templates for Shariah-compliant agreements via ContractMaster
• Track stakeholder communications using Relate360
• Offer clients a secure online workspace for collaboration and document access

Flexible Compliance, Locally Governed

MozaIK can adapt to the compliance framework set by the institution’s Shariah governance body. Whether aligned with AAOIFI standards or local DIFC/ADGM guidelines, the platform enables financial institutions to implement workflows that are flexible yet auditable.

Conclusion: Enabling Islamic Finance Through Digital Transformation

Jiway’s MozaIK does not replace Islamic banking cores, it enhances them. By offering digital tools for onboarding, documentation, compliance, and reporting, MozaIK enables Islamic financial institutions to provide more transparent, secure, and client-centric services.

For family offices and private Islamic banks in DIFC, Jiway offers a smart path to digital transformation, one that respects Islamic values while delivering world-class technology.