WHY THE UK

REDEFINING
UK FINANCE.

for THE
good.

Closing the £700 billion gap in the financial sector—lack of trust in traditional banks

Underserved by traditional finance

UK Islamic banks hold just 0.1% of assets —despite 7% Muslim population

4.4m

UK gig workers underserved

66%

of UK adults don't trust traditional banks—demand transparent, fee-free services

81% of Muslims seek Sharia-compliant options

5x

Muslims are 5x more likely to be unbanked in the UK, due to traditional financial system's exclusion

It's time for a change. FAIR FINANCE. open for everyone.

Starting with car financing, we are democratising access to finance

Values-driven car financing

Providing revenue-generating halal vehicle financing for individuals and SMEs

AYAN TODAY

Consumer finance platform

Expanding to consumer products. Starting application for the banking license.

IN 2 YEARS

Leading values-driven banking ecosystem

Full-fledged banking in the UK. Going global with partnerships.

IN 5 YEARS

Ayan is building a community-driven FINANCIAL ecosystem

For SMEs

Financing revenue-generating asset ownership. Coming soon—boost sales by offering halal finance to customers.

For drivers

Financing revenue-generating asset ownership.

For individuals

Coming soon—personal finance, remittances, shopping, values-driven investments.

For investors

Ayan deposits and Sukuk bonds—funding inclusivity, social, and environmental improvement.

For society

Promoting financial inclusion, financing sustainable development.

For global partners

Providing product and technology to global banking partners to introduce Islamic digital banking

Ayan's Solutions

Any dealer, any vehicle—new or used, with eco-friendly options

100% Sharia-compliant—no hidden fees

Dedicated car matchmaker and buyout helper

Get a business vehicle in 2 days—fair, interest-free weekly payments with ownership

AI-powered credit decisions, all-digital application

Flexible insurance and warranty choices

Keep earning no-claims bonus

TRACTION AND ROADMAP

Transforming Finance: AYAN Vision

2024

Expand vehicle financing across UK

  • £10M in financing to be provided
  • 40% month-on-month revenue growth
  • 5/5 star rating on Google

2025

Launch consumer car finance, personal finance products—banking card with flexible payment options

2026

Introduce integrated consumer loans for SMEs, shopping, remittances and values-driven investments for individuals

2027

Progress on banking license in the UK. Global expansion through partner banks that want to introduce Islamic digital products to customers

From vision to action

Launched by Alif Bank founders and team

Abdullo Kurbanov

CEO, Co-founder
Ex-CEO and co-founder of Alif Bank, co-founder of Somon.tj (3M+ users). Ex-VP of Mining Investments at Origo Partners, investment banking analyst at UBS, consultant at Oliver Wyman. MSc Finance with Distinction, LSE

Zarina Rajabova

Chief Project Manager
Ex-CIO of Alif Bank, ex-CEO of Alif Academy. Built Alif’s banking tech systems and educational division, Alif Academy—over 2700 graduates. BA, Technological University of Tajikistan

Furkat Suvhanov

Head of Investments
Ex-investment manager at Jefferson Capital, UK—handled portfolio, investments, AML, and KYC. Ex-CEO and co-founder of Spartan Real Estate, Cyprus—led 5 major projects. MBA, Saïd Business School, Oxford

Kabir
Ehatasham

CRO
Over 7 years in customer relations and operations at top aviation firms and a Premier League club

Komyor Ahmarzoda

Project Manager
Developed CRM, BNPL and quality control platforms at Alif Bank.

Malika Nurmatova

Front-end Developer
Frontend Developer specialized in Next.js, fluent in Tajik, English, Russian, JavaScript, and basic German

Akbar
Ahrorov

Full stack Developer
Involved in the development of customer service automation using Golang, JavaScript and SQL technologies

Abukar Afi Abukar

CRO
Five years in tech at IMG Arena; car enthusiast at Ayan Capital helping customers

Global expertise

  • Over $3 billion in annual turnover in Alif ecosystem
  • 3M+ customers served across Central Asia and UK

Compliance

  • Sharia compliance certified by respected global scholars
  • FCA registered for AML purposes (FRN: 1004344)

Become part of AYAN

Join us in redefining values-driven finance for millions. Your contribution, their future, our shared vision.
Contact us