Kuwait Finance House (KFH) continues to spearhead digital transformation within the banking sector, leveraging its robust infrastructure and innovative digital services to deliver a secure, seamless, and sophisticated banking experience available 24/7.

Through platforms such as KFHOnline, smart branches (KFH Go), ATMs, and phone service, banking transactions have become more seamless than ever. Customers performed more than 600 million e-transactions during 2025, reflecting their deep confidence in the bank and reinforcing KFH’s leadership in providing future-proof banking solutions.

Customer transactions covered a wide range of services, including instant issuance of virtual cards, opening additional accounts without visiting the branch, activating and suspending cards, creating deposits, adding beneficiaries, balance inquiry and transaction statements, requesting cheque books, buying and selling gold, applying for financing, managing children’s accounts, using WAMD instant payment service, and sending and requesting funds via KFH Pay, among many other advanced digital services. Moreover, self-service transactions recorded 5.5 million calls, and the contact center handled 2.6 million calls.

Deputy Group CEO Transformation, Technology and Operations, Haytham Alterkait said that KFH continues its leadership in delivering innovative digital solutions that enable customers to complete their banking transactions anytime and from anywhere, while ensuring the highest standards of security and reliability. This approach is part of the Bank’s strategy to promote digital transformation and deliver an integrated banking experience that keeps pace with global developments in the financial sector.

KFHOnline update

Alterkait added:"As part of its commitment to providing the best banking experiences, KFH implemented a comprehensive upgrade to KFHOnline app. The update introduced a redesigned home page that offers a smoother, more interactive user experience, making it easier for customers to access banking services and view the latest products and services tailored to app users. The update also enhanced the customer profile page, enabling users to view details of their banking tiers and enjoy exclusive benefits tailored to each program. New services were also added, including the new instant issuance of the digital card and managing the ATM card usage limits."

200 Digital services

Alterkait explained that KFHOnline app offers more than 200 digital banking services, including WAMD, online account opening, gold trading, e-payment and settlement solutions, and other essential services that support customers’ daily banking needs.

KFH GO 

Alterkait emphasized KFH’s commitment to expanding its KFH Go network of smart branches, which currently consists of 11 locations: The Avenues, Ishbiliyah, Jabriya, Mangaf, Sabah Al-Ahmad, Al-Salam, and Abu Fatira cooperatives, as well as Shuwaikh KFH Auto Showroom, and Al-Khiran, Abdullah Al-Salem, and Airport branches. He added that KFH seeks to increase the number of these smart branches to meet the needs of customers in most areas of Kuwait because of their continuous success and ease of use for the various KFH services.

WAMD and Western Union

As part of its leadership in offering advanced digital banking solutions for customers, including local and international money transfer through KFHOnline, KFH introduced the WAMD money transfer service and co-branded international money transfer services in cooperation with Western Union. This service enables customers to conduct fast and secure transfers, whether in cash, directly to bank accounts, or to digital wallets worldwide, with access to Western Union’s extensive global network.

Money request

This service allows customers to request money from individuals or groups by sharing a payment link quickly and easily, entering the recipients’ phone numbers, or creating a group for collective payment requests. Customers can also track payment status for each recipient through the previous transactions section for KFH Pay.

Easier financing

Applying for a financing online through KFHOnline app has become more convenient. Customer can submit their financing request through the Finance Services menu in the app and select Finance Request option.

Cards services

KFH successfully launched a pioneering service that enables new customers to open accounts via digital sales devices, becoming the first in the market to operate the mobile D-POS (Digital Point of Sale). This solution allows for instant account opening on KFH systems.

KFH also introduced the automated credit card printing for the first time in Kuwait, enabling customers to instantly print credit and prepaid cards in their new, distinctive design. This complemented the Bank’s ability to instantly issue all types of cards via self-service devices, reaffirming its leadership in enhancing customer experience. Credit and prepaid cards can now be replaced instantly via self-service printing using a Civil ID or QR code.

Additionally, KFH customers are able to temporarily suspend and reactivate their cards, view KFH Rewards points, and access full card details through the KFHOnline application.

The Bank has also made progress in updating customer’s Civil ID and authentication without the use of a physical card. Customers can transfer their funds from their prepaid card to their personal bank account. In addition, KFH customers who have an additional family card can now control the additional card’s limits.

Zaheb Platform

The launch of Zaheb, a digital payment platform for businesses, allowed corporate customers to easily pay by generating payment links and QR codes, eliminating the need for POS devices.

KFH introduced its first corporate mobile banking app (eCorp) featuring five core business services, and integrated biometric facial recognition technology to enhance security.

The eCorp app has been updated to include major new features, such as payroll transfer capabilities and cheque book requests for initiators.

KFH also introduced three new debit card products with various features specifically designed for corporate customers for government use. One of these cards is issued with limited acceptance only on government KNET POS/PG terminals. This card has received positive feedback from users.

Payment services

KFH introduced a new payment solution for business owners and companies, switching their smartphones into secure and user-friendly POS terminals for debit cards and digital wallets. The service offers the highest security standards, with a maximum transaction limit of KD 250 per transaction.

AFAQ service was also launched, providing enhanced transparency and traceability for financial transactions and transfers across the GCC.

Cybersecurity

New infrastructure and security upgrades have strengthened group-wide transactions and laid a solid groundwork for cybersecurity. Key initiatives include building a robust infrastructure, unifying operations, and implementing proactive risk management.

Accelerating Digital Transformation

KFH continues to accelerate its digital transformation with a focus on responsibility and security, integrating artificial intelligence and automation while bolstering cybersecurity. The bank has successfully adopted cutting-edge technologies that have reduced costs, increased reliability, and accelerated performance. These advancements have significantly improved operational efficiency and transformed customer experience.

LGs

KFH achieved a milestone by becoming the first bank in Kuwait to integrate QR codes into Letters of Guarantee. This feature extends to all issued documentation and transactions, enhancing security and streamlining the verification process.

Contact Services

In 2025, KFH expanded its service capabilities by integrating its international branches into the IVR system, allowing for seamless, toll-free transfers to Egypt, the UK, and Bahrain. Additionally, the bank introduced a dedicated IVR interface for individuals with intellectual disabilities to ensure inclusive access to its services.

KFH Offers

Through KFH Offers section, integrated into KFHOnline app, customers can explore a diverse array of exclusive benefits. These features underscore KFH’s dedication to providing a technology- and innovation-led banking experience. By proactively adapting to industry trends, the bank continues to solidify the sustainability of excellence.

Innovation and Creativity

KFH continues to foster a culture of creativity and innovation through its annual Group-wide (Innovation Challenge). This initiative leverages employee-driven ideas to create value-added financial services and high-quality solutions while streamlining workflows and modernizing systems. By refining procedures and optimizing the work environment, the competition aims to enhance customer experience, rationalize expenses, and drive growth through increased efficiency, a broader customer base, and greater flexibility.