https://tryspare.com/blog The future of finance is open en Mon, 12 Oct 2026 11:08:26 +0000 https://prod.superblogcdn.com/site_cuid_cmevh57ep006x3a5lv5vb76wv/images/logo-spare-1756459633985-compressed.png https://tryspare.com/blog https://tryspare.com/blog/real-estate-verification-how-proptech-platforms-confirm-ownership-before-a-transaction/ https://tryspare.com/blog/real-estate-verification-how-proptech-platforms-confirm-ownership-before-a-transaction/ Gabby Gaseviciute Mon, 12 Oct 2026 11:06:22 +0000 As proptech platforms across the GCC take on more of the property transaction, from listings to financing, they're also taking on a risk that's always existed in real estate: confirming that the person or company on the other side of a deal actually owns what they're selling. It's a risk that's alre... https://tryspare.com/blog/from-bank-statements-to-real-time-affordability-what-changes-for-lenders/ https://tryspare.com/blog/from-bank-statements-to-real-time-affordability-what-changes-for-lenders/ Gabby Gaseviciute Thu, 01 Oct 2026 12:09:49 +0000 For most lenders, affordability assessment still starts with a document. A borrower uploads a bank statement, or a bureau report comes back with a score, and someone works through it manually to decide what a borrower can actually afford. This process is slow, and it's also incomplete. A bank statem... https://tryspare.com/blog/what-europes-decade-of-open-banking-tells-us-about-the-gccs-next-five-years/ https://tryspare.com/blog/what-europes-decade-of-open-banking-tells-us-about-the-gccs-next-five-years/ Gabby Gaseviciute Wed, 02 Sep 2026 05:36:04 +0000 Open Banking in the UK didn't launch as a finished product. It launched as a regulatory mandate, in 2018, with a small base of early adopters and a long road ahead. Looking at where that market stands now gives the GCC a genuinely useful preview of what a mature Open Banking ecosystem actually looks... https://tryspare.com/blog/spare-partners-with-tabadulat-to-enable-pay-by-bank-funding-for-investment-accounts/ https://tryspare.com/blog/spare-partners-with-tabadulat-to-enable-pay-by-bank-funding-for-investment-accounts/ Gabby Gaseviciute Wed, 12 Aug 2026 13:25:37 +0000 UAE – Aug 12, 2026 —Spare, a leading Open Finance infrastructure provider, today announced a strategic partnership with Tabadulat, a UAE-based online brokerage offering Shariah-compliant investment products, to integrate its Pay-by-Bank solution into the brokerage's investment platform. The part... https://tryspare.com/blog/speed-without-shortcuts-a-blueprint-for-moving-fast-in-regulated-tech/ https://tryspare.com/blog/speed-without-shortcuts-a-blueprint-for-moving-fast-in-regulated-tech/ Gabby Gaseviciute Wed, 05 Aug 2026 07:58:50 +0000 By Saurabh Shah, Co-founder, Spare In my last piece, I wrote about compliance by design and the technical choices that make an Open Banking platform compliant at its core. That was about what we built. This piece is about something harder to talk about honestly: how we operate every single day. Here... https://tryspare.com/blog/central-bank-of-the-uaes-open-finance-framework-what-it-means-in-practice/ https://tryspare.com/blog/central-bank-of-the-uaes-open-finance-framework-what-it-means-in-practice/ Gabby Gaseviciute Wed, 29 Jul 2026 09:40:26 +0000 The Central Bank of the UAE's Open Finance framework has been live for some time now, but the gap between what it enables in regulation and what businesses understand it to mean in practice remains wide. That gap is worth closing, because the commercial implications for businesses operating in the U... https://tryspare.com/blog/real-time-financial-data-from-insight-to-action/ https://tryspare.com/blog/real-time-financial-data-from-insight-to-action/ Gabby Gaseviciute Wed, 22 Jul 2026 07:48:40 +0000 For most of the history of financial services, data has been the thing you looked at after the transaction had already happened. Statements arrived monthly. Bureau reports were only updated once a month, so by the time they were used, they reflected a financial position that was already weeks old. R... https://tryspare.com/blog/sbyr-taln-an-shrakh-astratyjyh-ma-xsquare-ltmkyn-mdfwaat-alshrkat-abr-hlwl-altmwyl-almftwh/ https://tryspare.com/blog/sbyr-taln-an-shrakh-astratyjyh-ma-xsquare-ltmkyn-mdfwaat-alshrkat-abr-hlwl-altmwyl-almftwh/ Gabby Gaseviciute Fri, 10 Jul 2026 07:47:33 +0000 الإمارات العربية المتحدة – 13 يوليو، 2026 — أعلنت شركة "سبير"، المزود الرائد لخدمات البنية التحتية لقطاع التمويل المفتوح، اليوم عن إبرام شراكة استراتيجية مع Xsquare، الم�... https://tryspare.com/blog/spare-and-xsquare-partner-to-enable-open-finance-powered-business-payments/ https://tryspare.com/blog/spare-and-xsquare-partner-to-enable-open-finance-powered-business-payments/ Gabby Gaseviciute Fri, 10 Jul 2026 07:42:40 +0000 UAE– July 13, 2026 — Spare , a leading Open Finance infrastructure company, today announced a strategic partnership with Xsquare , a UAE-based B2B payments company that facilitates and optimizes payment strategies for businesses powered by CBUAE’s Open Finance Framework. The collaboration embe... https://tryspare.com/blog/why-cross-border-was-the-milestone-we-had-to-build-toward/ https://tryspare.com/blog/why-cross-border-was-the-milestone-we-had-to-build-toward/ Gabby Gaseviciute Wed, 08 Jul 2026 11:25:31 +0000 By Dalal AlRayes, Co-founder and CEO, Spare When we executed the first international Open Finance payment in the GCC, it wasn't a moment that came out of nowhere. It was the result of a deliberate build, one decision at a time, toward something we believed had to exist. What this opens up matters mo... https://tryspare.com/blog/the-architecture-of-trust-what-compliance-by-design-actually-means-in-open-banking/ https://tryspare.com/blog/the-architecture-of-trust-what-compliance-by-design-actually-means-in-open-banking/ Gabby Gaseviciute Wed, 01 Jul 2026 12:48:15 +0000 By Saurabh Shah, Co-founder, Spare There's a phrase that gets thrown around constantly in fintech: compliance by design. The idea is simple. You build regulatory requirements directly into your product architecture from day one instead of layering them on later. But getting this right is incredibly ... https://tryspare.com/blog/spare-partners-with-rewa-to-digitize-rental-payments-and-advance-dubais-paperless-real-estate-vision/ https://tryspare.com/blog/spare-partners-with-rewa-to-digitize-rental-payments-and-advance-dubais-paperless-real-estate-vision/ Shaima Ghafoor Thu, 25 Jun 2026 06:34:08 +0000 News Dubai, UAE – June 23, 2026 — Spare, a leading Open Finance infrastructure provider, today announced a strategic partnership with Rewa, a UAE-based property technology platform, to modernize rental payments and accelerate the digitization of real estate transactions across the UAE. Through the pa... https://tryspare.com/blog/what-no-one-tells-you-about-building-regulated-payment-infrastructure/ https://tryspare.com/blog/what-no-one-tells-you-about-building-regulated-payment-infrastructure/ Gabby Gaseviciute Thu, 18 Jun 2026 06:08:56 +0000 By Dalal AlRayes, Co-founder & CEO at Spare When businesses come to us, they usually want one thing: to accept payments. What they rarely see is everything that has to line up before a single payment can happen. In open finance, a payment isn't a card swipe. It's a customer granting consent, authent... https://tryspare.com/blog/the-economics-of-pay-by-bank-where-the-real-savings-come-from/ https://tryspare.com/blog/the-economics-of-pay-by-bank-where-the-real-savings-come-from/ Gabby Gaseviciute Thu, 21 May 2026 07:44:09 +0000 Pay by Bank is often called a lower-cost payment method. That's accurate. But it only captures part of the picture. The real advantage isn't a single fee reduction. It's a fundamentally different cost structure, one that compounds across transaction fees, fraud exposure, failed payments, and operati... https://tryspare.com/blog/whyopenfinanceisbecomingcoreinfrastructure/ https://tryspare.com/blog/whyopenfinanceisbecomingcoreinfrastructure/ Gabby Gaseviciute Tue, 12 May 2026 06:49:52 +0000 Open Finance is often positioned as a feature. Something to add. Something to enable. Something to experiment with. That framing is already outdated. Across MENA, Open Finance is becoming core infrastructure, embedded into how payments are made, credit is assessed, and financial services are deliver... https://tryspare.com/blog/from-apis-to-outcomes-why-connectivity-alone-doesnt-create-value/ https://tryspare.com/blog/from-apis-to-outcomes-why-connectivity-alone-doesnt-create-value/ Gabby Gaseviciute Thu, 30 Apr 2026 09:09:50 +0000 For years, Open Banking has been framed around connectivity. APIs were the milestone. Access was the goal. Integration became the benchmark for progress. But connectivity alone does not create value. Outcomes do. As Open Banking matures across GCC, a clear distinction is emerging between organisatio... https://tryspare.com/blog/sbyr-tkshf-an-awla-amlyat-aldfa-abr-alhdwd-almdawmh-bnzam-altarq-almsrfyh-almftwhh-fy-dwl-alkhlyj/ https://tryspare.com/blog/sbyr-tkshf-an-awla-amlyat-aldfa-abr-alhdwd-almdawmh-bnzam-altarq-almsrfyh-almftwhh-fy-dwl-alkhlyj/ Gabby Gaseviciute Tue, 28 Apr 2026 06:38:34 +0000 دبي، الإمارات العربية المتحدة – 28 أبريل 2026 —كشفت شركة "سبير" Spare ، المزود الرائد لخدمات البنية التحتية للمصرفية المفتوحة، عن خدمة المدفوعات الدولية ضمن إطار التموي�... https://tryspare.com/blog/spare-launches-first-seamless-open-banking-powered-cross-border-transactions-in-the-gcc/ https://tryspare.com/blog/spare-launches-first-seamless-open-banking-powered-cross-border-transactions-in-the-gcc/ Gabby Gaseviciute Tue, 28 Apr 2026 06:16:40 +0000 Dubai, UAE – 28 Apr, 2026 — Spare , a leading Open Banking infrastructure company, today unveiled the first International Open Finance Payments solution in the UAE, expanding its product suite to enable seamless, secure, and real-time cross-border financial transactions globally. The new offerin... https://tryspare.com/blog/from-compliance-to-competitive-advantage-the-second-phase-of-open-finance/ https://tryspare.com/blog/from-compliance-to-competitive-advantage-the-second-phase-of-open-finance/ Gabby Gaseviciute Fri, 17 Apr 2026 08:07:57 +0000 For several years, Open Banking across GCC was primarily a regulatory milestone. Frameworks were introduced. Licensing models were defined. Banks invested in API infrastructure to meet supervisory requirements. That phase was about readiness. The next phase is about advantage. Open Finance is no lon... https://tryspare.com/blog/why-mena-is-entering-its-open-finance-acceleration-phase/ https://tryspare.com/blog/why-mena-is-entering-its-open-finance-acceleration-phase/ Gabby Gaseviciute Wed, 08 Apr 2026 08:43:12 +0000 By Dalal AlRayes, Co-founder & CEO at Spare For the past few years, Open Banking in GCC has been defined by regulation, infrastructure building, and ecosystem readiness. Frameworks were introduced. Sandboxes were launched. APIs were standardised. Banks began investing in compliance infrastructure. T...