Valu, Egypt’s leading universal financial technology powerhouse, has announced that it has received final regulatory approval from the Central Bank of Jordan (CBJ) to officially launch its services in the Jordanian market under a Specialized Finance license. This milestone follows the initial regulatory clearance granted in 2025 and marks a pivotal step in Valu’s regional expansion strategy and long-term commitment to advancing financial inclusion across the Middle East.
The final approval positions Valu to commence operations in Jordan during the first quarter of 2026, following the successful completion of all regulatory, operational, and market readiness requirements. The move underscores Valu’s ambition to scale its fintech model beyond Egypt and establish a strong presence in high-potential regional markets.
Strategic Expansion into the Jordanian Market
Jordan represents a strategically important growth market for Valu, supported by rising consumer demand for flexible and accessible financing solutions, as well as a rapidly evolving digital payments ecosystem. Ongoing support from the Central Bank of Jordan has further strengthened the country’s fintech environment, creating favorable conditions for innovative financial platforms.
With final regulatory approval secured, Valu is now positioned to roll out its full platform in Jordan, offering responsible financing solutions across a wide range of essential and lifestyle sectors. These include retail, electronics, healthcare, education, and other consumer-driven categories that increasingly rely on digital and installment-based payment options.
Leadership Appointments to Drive Local Operations
In conjunction with the regulatory milestone, Valu announced its leadership structure for Jordan, reinforcing its focus on strong corporate governance and operational excellence through experienced local leadership.
His Excellency Eng. Mothanna Gharaibeh, former Minister of Investment of the Hashemite Kingdom of Jordan, has been appointed Chairman of Valu Jordan. Eng. Gharaibeh brings extensive public and private sector experience, having previously served as Minister of Communications and Information Technology and as Jordan’s first Minister of Digital Economy and Entrepreneurship between 2018 and 2020. During this period, he played a key role in advancing Jordan’s digital infrastructure and innovation ecosystem.
In addition to his government service, Eng. Gharaibeh has over 19 years of experience in the telecommunications sector, including leading Ericsson’s operations in Jordan. His background spans technology, digital transformation, and public policy, providing deep expertise in economic development and investment-led growth.
Mohammad Al Yousef has been appointed Chief Executive Officer of Valu Jordan. With more than 18 years of experience across fintech, e-commerce, technology, and telecommunications in the region, Al Yousef will lead Valu’s local strategy, operations, and expansion. His track record includes scaling digital businesses and building high-performing teams in competitive markets.
Experienced Leadership with Proven Market Execution
Prior to joining Valu, Mohammad Al Yousef held several senior leadership roles across the region. At Arab Business Machines (ABM), Apple’s Middle East distributor, he successfully expanded Apple’s carrier business in Jordan. As Country Manager of Zood Super App, he launched e-commerce and buy-now-pay-later services, achieving double-digit monthly growth. Earlier in his career at Samsung Electronics Levant, he oversaw product strategy and e-commerce operations for a portfolio exceeding one billion dollars in value.
This combination of startup and large-corporate experience positions Valu Jordan to execute a disciplined growth strategy while adapting to local market dynamics.
Consumer-Centric Financing Solutions
Valu’s financing offering is designed to enhance consumer purchasing power while promoting responsible credit usage. By enabling customers to access goods and services without immediate financial strain, the platform supports improved financial well-being and greater flexibility in household spending.
For merchants, Valu’s platform delivers measurable commercial benefits, including seamless technical integration, higher conversion rates, increased average transaction values, and improved customer loyalty. These advantages contribute to sustainable business growth and stronger long-term partnerships across the retail and services ecosystem.
Commitment to Local Talent and Market Development
Valu’s entry into Jordan reflects extensive market preparation and a long-term commitment to local economic development. The company has focused on recruiting skilled Jordanian professionals with deep expertise in finance, fintech, and market operations, reinforcing its dedication to local employment and knowledge transfer.
In parallel, Valu has established strategic partnerships with leading merchants and financial institutions across Jordan, laying the foundation for a robust and sustainable market launch. These partnerships are expected to accelerate platform adoption and support the broader growth of digital financial services in the country.
Strengthening Regional Momentum
Commenting on the final approval, Habiba Naguib, Chief Market Expansion and Strategy Officer of Valu, described the milestone as a defining moment for the company’s regional ambitions. She highlighted that securing a Specialized Finance license from the Central Bank of Jordan reflects the strength of Valu’s platform, governance framework, and long-term market vision.
She emphasized that Jordan is a core pillar of Valu’s regional expansion strategy, with a continued focus on driving financial inclusion through innovative, customer-centric products, investing in local talent, and contributing meaningfully to the Jordanian financial ecosystem.
This achievement builds on Valu’s growing regional momentum, including its listing on the Egyptian Exchange in 2025 following Amazon’s direct stake acquisition in the company. Together, these milestones further solidify Valu’s position as a leading fintech player committed to transforming digital finance across the MENA region.
