AFS, the pioneer and leader of the Middle East:

Founded in 1984, AFS is the region's leading provider of electronic-payments and consumer-finance outsourcing services. Created by the financial industry to service and support financial institutions in the region and beyond, AFS is owned by 45 of the region’s leading banks and currently provides outsourcing services to over 50 banks and financial institutions.

AFS is in business to enable the financial institutions to focus on how to better serve their customers and be highly responsive to changing markets and customer demands. AFS helps grow the business of their partner institutions, with minimum risk, higher efficiency, lower operating cost and increasing profits.
Through leveraging best-in-class technology and know how, the company provides clients with reliable, efficient and easy to-use systems, supported by processing services for their card issuing, merchant acquiring and consumer finance.

The comprehensive range of services offered by AFS include application and transaction processing, authorizations, customer service, card issuance, personalization, fraud monitoring, statement issuing and dispatching, dispute and charge-back processing, reporting, settlement, reconciliation and loyalty programs.