Etihad Credit Bureau has added verified income data from the General Pension and Social Security Authority and the Nafis programme to its credit information products, giving lenders a fuller picture of individual income and expanding the scope of the Individual Credit Report.
The integration links Etihad Credit Bureau with GPSSA and Nafis to build a shared ecosystem for financial, credit, and government support data. The initiative combines data exchange and analytics with national priorities, merging financial and credit records with government support information while maintaining strict data security and transparency standards.
With pension income and eligible Nafis support now factored in alongside salary details, lenders gain a more accurate view of an individual's verified income. The change is expected to influence how an applicant's Income Utilization Ratio is assessed, potentially widening access to financial products and credit facilities for eligible individuals.
Marwan Ahmed Lutfi, Director General of Etihad Credit Bureau, said the addition of pension and Nafis data marks a meaningful step forward in income assessment, allowing financial institutions to form a more complete view of an individual's steady income and make better informed credit decisions for UAE nationals.
Faras Abdul Kareem Al Ramahi, Director General of GPSSA, said the partnership reflects a commitment to strengthening data driven decision making and supports the UAE's broader vision for a sustainable financial ecosystem.
Ghannam Al Mazrouei, Secretary General of the Emirati Talent Competitiveness Council, said incorporating Nafis data into credit reports gives financial institutions clearer insight into citizens' financial positions and strengthens efforts to support Emirati talent.
The move builds on Etihad Credit Bureau's ongoing collaboration with government entities to improve the depth and reliability of credit information available across the UAE's financial sector.
News Source: Epic Communications
