Waqar Hussain
Riyadh: MENAP-based fintech ABHI has partnered with TRAY, a leading cloud-based point-of-sale and business management platform in Saudi Arabia, to introduce Earned Wage Access (EWA) services for the Kingdom’s fast-growing food and beverage sector.
EWA allows employees to withdraw a portion of their earned wages before payday, reducing reliance on short-term loans and helping employers improve staff retention and productivity. The integration will enable restaurants, cafés, and cloud kitchens across Saudi Arabia to offer workers on-demand salary access directly through TRAY’s enterprise POS ecosystem.
The collaboration aligns with Vision 2030, which prioritizes financial inclusion, SME growth, and workforce empowerment. By embedding EWA into TRAY’s platform—already used for payments, financing, and delivery integrations—hospitality businesses can seamlessly provide employees with financial flexibility.
Founded in 2021, ABHI has expanded across Pakistan, the UAE, Saudi Arabia, and Oman with products including Earned Wage Access, invoice factoring, payroll solutions, SME working capital, and revenue-based financing. The company has served over one million users and 5,000 businesses across industries, processing nearly five million transactions worth more than $500 million.
“Partnering with TRAY enables ABHI to bring Earned Wage Access directly into the heart of Saudi Arabia’s hospitality sector,” said Omair Ansari, CEO and Co-founder of ABHI. “By integrating our solution into TRAY’s platform, we provide SMEs with a tool to improve workforce retention while advancing financial inclusion across the Kingdom.”
