ACCELERATING THE FINANCIAL INCLUSION JOURNEY TO FINANCIAL WELLNESS

The B2B Infrastructure for Financial Wellness

Enabling Banks, Asset Managers and Wealth Managers to deliver a unified financial wellness experience—seamlessly combining Insurance, Savings, and Investments into one aggregated wealth dashboard

Invest with Finclude Explore the Ecosystem

Technology infrastructure. Licensed partners.

FINANCIAL WELLNESS

Your goals. Your course.

Investment

Own a House

10-year horizon

2026 · 100% achieved

Savings

Hajj

5-year horizon

Purpose-led planning

Insurance

Family Health

1-year protection

PKR 5MM cover

PERSONAL FINANCIAL WELLNESSILLUSTRATIVE GOALS

Investments

PKR 11M

4 AMCs linked

Savings

PKR 1.5M

2 banks linked

Insurance

PKR 3M cover

Family of 4 · Hemaayah

Securing the ecosystem with industry leaders.

UBL Funds

Appointed Distributor

QDB

Qatar Development Bank

EFU

Insurance Partner

SBP

Sandbox Applicant

SECP

SFA Applicant

PORTFOLIO COMPANIES

Four connected platforms
One Open Finance vision

Data, investing experiences, and financial protection — connected through Finclude.

/01

Sarwat.io

Open Finance Infrastructure

The bridge for consent-based data aggregation between AMCs, banks, and wealth managers.

Consent-based data/API connectivity

Explore Sarwat.io

/02

Sarwat.AI

Corporate Treasury & Wealth Copilot

AI assisted multi-asset portfolio management for CFOs and Treasurers

White-label experiences/Multi-asset portfolios

Explore Sarwat.AI

/03

Finhisaab

Personal Financial Wellness Tracker

A personal tracker that brings investments, savings, and insurance protection into one progress view of your financial wellness.

Personal goals/Progress tracking

Explore Finhisaab

/04

Hemaayah

Embedded Insurance

Embedded Insurance distribution on X-border remittance rails

Remittance-linked/Family protection

Explore Hemaayah

Our journey

Born in Fintech Talent
Built for Fintech Infrastructure

Since 2016, Finclude has connected the brightest minds in MENAP fintech. Today, we build the WealthTech infrastructure they use to achieve financial wellness. Our legacy and executive network continue to remain connected to us building their journey.

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Across the region