Valu has secured final approval from the Central Bank of Jordan to launch operations under a Specialized Finance license, with services set to begin in Q1 2026. The move marks a key milestone in Valu’s regional expansion, enabling it to offer flexible, responsible financing solutions in Jordan while strengthening financial inclusion and digital payments across the market.
GLO09 January 2026
Valu has received final authorization from the Central Bank of Jordan (CBJ) to commence operations in Jordan under a Specialized Finance license, marking a major milestone in the company’s regional expansion strategy.
The approval follows initial regulatory clearance granted in 2025 and clears the way for Valu to begin full-scale operations in the Jordanian market in the first quarter of 2026, subject to the completion of final operational requirements. The move underscores Valu’s long-term commitment to advancing financial inclusion and expanding access to flexible, responsible financing solutions across the region.
Leadership Appointments to Guide Jordan Operations
Alongside the regulatory approval, Valu announced its leadership team for Jordan. His Excellency Eng. Mothanna Gharaibeh, former Minister of Investment of the Hashemite Kingdom of Jordan, has been appointed Chairman of Valu Jordan. Mohammad Al Yousef has been named Chief Executive Officer.
Eng. Gharaibeh brings extensive public- and private-sector experience, having previously served as Minister of Communications and Information Technology and as Jordan’s first Minister of Digital Economy and Entrepreneurship. He is widely credited with helping advance the country’s digital infrastructure and has over 19 years of experience in the telecommunications and technology sectors, including senior leadership roles at Ericsson.
Al Yousef brings more than 18 years of regional experience across fintech, e-commerce, technology and telecommunications. His background includes leadership roles at Arab Business Machines (Apple’s Middle East distributor), Zood Super App and Samsung Electronics Levant, where he led large-scale product, e-commerce and growth initiatives. At Valu Jordan, he will oversee strategy, operations and market expansion.
Jordan: A Strategic Growth Market
Jordan represents a key growth opportunity for Valu, supported by strong consumer demand for accessible financing, rising digital adoption and an evolving payments ecosystem backed by proactive regulation from the CBJ. With final approval secured, Valu will roll out its platform across multiple sectors, including retail, electronics, healthcare, education and lifestyle categories.
Valu’s offering is designed to boost consumer purchasing power while encouraging responsible credit usage. For merchants, the platform provides seamless integration, higher conversion rates, increased basket sizes and stronger customer loyalty — contributing to sustainable growth.
The company’s entry into Jordan follows extensive market preparation, including the recruitment of local talent and the establishment of partnerships with leading merchants and financial institutions. This approach reflects Valu’s focus on knowledge transfer, job creation and building a durable fintech ecosystem within the country.
Executive Commentary
Commenting on the approval, Habiba Naguib, Chief Market Expansion and Strategy Officer at Valu, said the Specialized Finance license represents a pivotal step in the company’s regional journey. She described Jordan as a cornerstone market for Valu’s expansion plans and reaffirmed the company’s focus on delivering customer-centric products, investing in local talent and contributing meaningfully to the national financial ecosystem. She also acknowledged the role of Hammouri & Partners Attorneys in supporting the licensing process.
Building on Regional Momentum
Valu’s Jordan launch builds on strong regional momentum, including its landmark listing on the Egyptian Exchange in 2025 and a direct equity investment from Amazon. These developments have further strengthened Valu’s position as one of the leading fintech platforms driving digital finance transformation across the MENA region.
About Valu
Valu (U Consumer Finance S.A.E.) is a leading universal financial technology company offering a broad suite of consumer and business financial solutions. A pioneer of Buy Now, Pay Later (BNPL) in the MENA region, Valu provides customizable financing plans of up to 60 months across more than 8,500 physical and online merchants. Its portfolio spans consumer finance, investments, prepaid and co-branded cards (in partnership with Visa), and business-to-business solutions — positioning Valu as a comprehensive digital finance platform.
More information is available at www.valu.com.eg
Source: Valu
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