SMH Global Services · Riyadh · Dubai · Karachi
Built for what can’t fail.™
Software platforms, governance and people for regulated enterprise. We build and run the systems that banks, government-linked entities and large companies depend on, across the Gulf and South Asia.
What SMH stands for
Systems. Methods. Humans.
The three bars in our logo are the three lines of our business. Most engagements draw on all three: the platform, the discipline that keeps it under control, and the people who run it.
The platforms we build and run.
Eleven software platforms for reconciliation, card custody, audit, lending, ERP and tax, documents, hiring, maintenance and construction.
Explore systemsMMethodsThe disciplines that keep systems under control.
IT governance and consulting, software engineering and integration, and quality assurance and testing for regulated programmes.
Explore methodsHHumansThe people who make systems work.
Delivery teams, specialist augmentation, training and support, from our development centre in Karachi and offices in Riyadh and Dubai.
Explore humansSystems · 11 platforms
Platforms that hold up under audit.
Each platform is built as a core, a country pack for the rules of each market, and a layer for your own organisation. They run as SaaS, in your cloud or on your own servers.
Recondora
Every transaction, proven.
Recondora matches cards, ATMs, instant payments and ledgers, and routes every break through maker-checker, so every number can be proven.
Cardvoy
Every card, accounted for.
Cardvoy tracks every card a bank holds or sends, from ATM capture or embossing to the customer, issuer or destruction.
AuditHD
Every finding, in full resolution.
AuditHD runs internal audits, quality reviews and compliance assessments for banks and enterprises, with country packs, AI review, and SaaS or on-premises deployment.
Amanova
Trusted lending, made intelligent.
Amanova runs retail and SME lending from application to final repayment, for banks, microfinance banks and fintechs.
Inside the platforms
See them working.
Real screens from four of our platforms, with demonstration data.
Why we exist
For our clients, a failure is a regulatory event.
A reconciliation that does not balance, an e-invoice the tax authority rejects, an audit finding nobody closes. For our clients these are not inconveniences. They are regulatory events.
So we do not promise disruption or magic. We promise systems, methods and people that hold up under scrutiny: tested before they go live, traceable after, and run by teams who know the rule book in each market.
Precision
We give the number, the date and the name. If we are not sure, we say so and find out.
Accountability
Every system has an owner and every promise has a deadline. We report problems before clients find them.
Fluency
We work in the client’s language, law and time zone: Arabic, English and Urdu; SAMA, CBUAE and SBP.
Methods · 4 service lines
Disciplines for programmes that will be audited.
Governance, engineering, testing and people for banks and enterprises under SAMA, the UAE Central Bank, the State Bank of Pakistan and their tax authorities.
Proof
Trusted where the scrutiny is highest.
Banks, financial institutions and large enterprises in Saudi Arabia, the UAE and Pakistan. Selected clients, past and present.
Case studies
Work our clients can show their auditors.
Coca-Cola Saudi Arabia: invoice and payment reconciliation, automated
Customer invoices matched against bank receipts and settlements without spreadsheets.
Bank Albilad: testing a core-banking system upgrade
Independent QA for one of the highest-risk changes a bank can make.
Samba Bank: digital-banking reconciliation and exception management
Reconciliation, ATM balancing and dispute management for a Pakistani bank.
Coca-Cola Saudi Arabia: CMMS for operational efficiency
Preventive maintenance and work orders across production assets.
How we engage
From first call to sign-off.
Written scope, named team and phase-wise delivery, with your sign-off at every stage.
Talk to us
A 30-minute call with a specialist to understand your objective, deadline and constraints.
Discovery
A working session, on site or online, to review processes, systems and regulatory obligations.
Proposal
A written scope, plan, team and commercial offer, usually within five working days of discovery.
Delivery
Phase-wise delivery with sign-off at each stage, followed by training and ongoing support.
Three companies, one brand
Riyadh. Dubai. Karachi.
Each office is its own registered company, working in its market’s language, law and time zone. Our development centre is in Karachi.
+966 56 983 5017
info@smhglobal.sa
Nad Al Sheba, Dubai, United Arab Emirates
+971 4 349 6671 · +971 4 349 9487
info@smhglobal.ae
DHA Phase 7, Karachi 74400, Pakistan
+92 321 270 2702 · +92 300 824 2854
info@smhglobal.com.pk
In Bangladesh, SMH Global works through its channel partner in Dhaka. Enquiries are answered by our Karachi office.
Questions
Frequently asked.
What does SMH Global Services do?
SMH Global Services builds and runs software platforms, governance and specialist teams for regulated enterprise: banks, microfinance banks, government-linked entities and large companies in Saudi Arabia, the UAE, Pakistan and the wider Gulf and South Asia.
Where are SMH Global’s offices?
SMH Global has three registered companies: SMH Global Services Company in Riyadh, SMH Global Services L.L.C-FZ in Dubai and SMH Global Services (Private) Limited in Karachi, where the development centre is. In Bangladesh we work through a channel partner in Dhaka.
Which platforms does SMH Global offer?
Eleven platforms: Recondora for reconciliation, Cardvoy for card custody and courier dispatch, AuditHD for audit and compliance, Amanova for lending, AI Document Scan, AI Resume Screening, Maximus ERP, Procurement, CMMS, Buildiary for construction and Residential Compound Management.
Which regulators and standards do your systems support?
We build for the rule books of SAMA, ZATCA, the UAE Central Bank and Federal Tax Authority, NESA, the State Bank of Pakistan, SECP and FBR, and for international standards such as ISO 27001, COBIT 2019 and CMMI.
Can SMH Global platforms run on our own servers?
Yes. The platforms run as SaaS, in your own cloud tenancy or on your own servers, including air-gapped deployments where a regulator requires it.
Which languages do your platforms and teams work in?
Our teams work in Arabic, English and Urdu, and our platforms offer interfaces, documents and notifications in Arabic, English, Urdu and Bangla.
How does an engagement with SMH Global start?
With a call about your process, your regulator and your deadline. We then agree a written scope with a named team, deliver phase by phase and ask for your sign-off at each stage.
Next step
Tell us what your regulator expects.
A specialist from the right office replies within one working day. Every conversation starts with your deadline and your rule book, not our product list.