Services · Ecommerce development · Financial product marketplaces

Sharia aware financial marketplaces for Jeddah's traders, families and households.

Codeeo provides financial product marketplace website development in Jeddah for takaful brokers, Islamic finance providers, trade finance intermediaries and advisory firms serving the city and the wider Makkah region. We build the website where customers compare products that meet Sharia requirements, apply once with consent, and pay for services such as advice or document preparation, plus the portals where providers manage listings and receive commission statements. Discovery and design reviews run by video call with your team in Jeddah.

Jeddah has always run on trade. Importers using the Red Sea port, family groups with several generations of shareholders and households across Al Rawdah, Al Andalus and the newer northern districts all buy financial products differently, and a marketplace here has to speak to each of them.

Built for
Takaful brokers, Islamic finance providers, trade finance intermediaries and advisers running a financial marketplace from Jeddah for customers across the Makkah region.
Typical timeline
Fixed after video call discovery, once your Sharia review process, provider list and payment set up are known, and written into a plan with checkpoints for your compliance and Sharia teams.
What you own
Code, hosting, the provider and customer databases, Sharia approval records, consent logs, commission ledger and gateway accounts, all in your company's name.
Rated
4.7 / 5 from 23 Google reviews

200+ companies servedFrom a first store to an ADX listed developer

Modon
Majid Al Futtaim
HP
Belkin
Dulsco Group
OneClickDrive
Hanayen
HMS
Clocksprings
Ghezlan

Platform features

What a Jeddah financial marketplace needs to do well.

Many customers in Jeddah will only consider a product once they know it is Sharia compliant, and they want to see who approved it. Takaful cover, murabaha based car and home finance, ijara structures and Sharia screened investment funds therefore need their own fields, their own disclosures and a clear link to the approving board's decision. A marketplace that treats them like any conventional product loses trust quickly.

The city's commercial base adds a second layer. Importers and distributors near the port need marine cargo cover, trade finance and working capital, often in English as well as Arabic. Financial services marketplace platform development in Jeddah brings both sides into one platform, with the regulator for each product, SAMA, the Insurance Authority or the CMA, reflected in its listing rules.

Explain your project
  • Sharia compliance records per product

    Each listing stores the structure used, such as murabaha, ijara, wakala or a takaful model, the Sharia board that approved it and the date of the fatwa or certificate. Customers can open the approval summary from the comparison table, and your team is alerted when a certificate needs renewing. Filters let customers show only products approved by a particular board if they prefer.

    Customers see the basis of compliance, not just a label.

  • Takaful comparison

    Motor, medical, home and travel takaful plans are compared on contribution, cover limits, surplus distribution terms and the operator's model. Quotes come from operators' APIs or from rates your broker team maintains in the admin, with policy issuance following payment. Renewal dates are stored so the customer is invited back to compare before cover lapses.

    Clear comparisons of takaful plans, including surplus terms.

  • Trade and working capital requests

    Importers and distributors describe the shipment, supplier and terms, attach commercial registration and recent statements, and choose which banks or finance companies receive the request. English language support suits the many trading houses whose finance teams work in both languages. Each request shows which funders have opened it and which have responded.

    Traders reach several funders without repeating paperwork.

  • Marine and cargo cover quotes

    Firms moving goods through Jeddah Islamic Port request cargo, goods in transit and fleet cover through a structured form covering routes, commodities and values. The broker's team reviews and approaches insurers, and quotes return to the client's account for comparison. Certificates for each shipment can be downloaded from the same place.

    Commercial cover requests arrive complete and comparable.

  • Family office and group accounts

    Family groups often hold policies and facilities through several companies. One group account links those entities, with permissions for each authorised family member or finance manager, so renewals and new applications are handled in one place without exposing every entity's data to every user. Family councils can see a consolidated view without access to individual applications.

    Multi company families manage their finance in one place.

  • Payments for services

    Advice sessions, document preparation and contribution payments are taken by mada, Apple Pay, cards and STC Pay through a SAMA licensed gateway. International cards are supported for customers who bank abroad, and receipts and VAT invoices are issued automatically. Contribution payments can be split into instalments where the operator allows it.

    Local and international customers pay without friction.

  • Provider portal and commission

    Providers manage listings, respond to applications and confirm approvals or issued policies. Those confirmations drive the commission ledger and monthly statements, with Fatoora compliant e-invoices issued to each provider and disputed items held until settled. Providers see the same figures your finance team sees.

    Commission agreed with providers before invoices go out.

  • Consent and data protection

    Applicants verify identity with Nafath and grant consent per provider, with wording, time and recipients recorded. Data is shared field by field, encrypted, and retained only as long as your PDPL policy allows.

    Every data share backed by recorded consent.

  • Complaints and dispute handling

    Customers raise a complaint about a provider, a listing or a payment from their account. Each case gets a reference, an owner and a deadline matched to the timeframe the relevant regulator sets, with escalation to the provider and a record of the outcome. Your compliance team sees open cases, overdue items and recurring issues by provider.

    Complaints closed on time with a full record.

  • Arabic and English content hub

    Guides explaining takaful, murabaha and trade finance are published from the CMS in Arabic and English, with structured data, so customers searching in either language reach the right category and see clear explanations before applying. Editors in your Jeddah team publish without needing a developer.

    Search traffic that arrives already understanding the product.

Who this is for

The Jeddah firms this platform suits.

Jeddah projects tend to come from established firms rather than start ups: brokers with long standing corporate clients, finance providers with a Sharia board already in place, and advisers to families that have traded in the city for decades. Each wants to move business online without losing the relationships that built it. These four profiles cover most of the briefs we receive from the city.

01

Takaful brokers and agencies

Brokers in Jeddah handle both retail takaful and commercial cover for traders. A marketplace lets retail customers compare and buy motor or medical plans online while commercial clients use a separate portal for cargo, property and fleet requests. Both feed the same CRM and commission ledger, so the brokerage sees its whole book in one view. Renewal reminders go out automatically, giving the broker a chance to re-quote before a client looks elsewhere.

Retail and commercial routes kept distinct.

02

Islamic finance providers

Finance companies offering murabaha or ijara based car, home and personal finance can run their own comparison marketplace or join one. We build listings that show profit rate, tenor and structure clearly, eligibility checks your credit team controls, and a link to each product's Sharia approval, so customers can see why a product qualifies. Applications route to your team or to partner providers with the applicant's consent.

03

Trade finance intermediaries

Intermediaries who connect importers with banks and finance companies need a platform that captures shipment and supplier details properly. We design structured requests, document checklists and funder portals, so each bank receives a complete file and the intermediary tracks its referral fee against every facility that closes. Funders can state the sectors, tenors and sizes they consider, so traders only see options that might say yes.

04

Advisers to family businesses

Advisory firms serving Jeddah's family groups may want to offer a curated marketplace of Sharia screened funds or paid planning sessions. We build gated access with suitability questions, CMA aligned disclosures and booking and payment for sessions, keeping a full record of what each client was shown. Educational content stays separate from product pages so nothing reads as a personal recommendation.

Suitability checks come before any product access.

From first video call to a live Jeddah marketplace.

  1. 01Video call discoverySessions with your product, compliance and Sharia teams over video, covering licences, provider agreements, approval processes and the customer groups you plan to serve first.
  2. 02Sharia and compliance rulesHow products are approved, what each listing must disclose, when certificates expire and how complaints are handled, written into a rulebook the platform will enforce.
  3. 03Bilingual designArabic first screens with full English versions, comparison tables built for takaful and Islamic finance terms, and separate retail and commercial routes, reviewed together on screen share.
  4. 04Build and connectMarketplace, provider portal and admin built in short cycles, with Nafath, the gateway, insurer and lender APIs and ZATCA connected in test environments first.
  5. 05Testing with real usersRetail customers, corporate clients, providers and your own staff test each flow, while security testing and PDPL documentation are completed before launch.
  6. 06Launch and growA controlled launch with first providers, followed by new categories, more operators and wider coverage across Makkah, Taif and the western region.

Technology

What we build this with.

We choose technology your team can own: a fast server rendered web frontend for Arabic and English, a relational database for listings, approvals and the ledger, Saudi cloud hosting where your data requires it, and documented APIs for providers.

01Web

  • React
  • Next.js
  • TypeScript
  • Node.js
  • Laravel
  • WordPress

02Commerce

  • Shopify Plus
  • WooCommerce
  • BigCommerce
  • Headless storefronts

03Data and cloud

  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Azure
  • Docker

04Marketing and tracking

  • GA4
  • Google Tag Manager
  • Search Console
  • Meta Pixel
  • Looker Studio

Questions Jeddah firms ask about financial marketplaces.

Cost depends on categories, providers and integrations, and we quote after discovery.

A takaful comparison site using rates your brokers maintain costs much less than a platform pulling live quotes from many operators and adding trade finance requests. Sharia record keeping, group accounts for family businesses, investor features and the depth of security testing also affect the figure. We write the scope first, then quote against it, with hosting and gateway running costs listed separately. A focused first release lets you prove demand before investing in every category.

Tell us what the business needs. We will tell you what to build first.

Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.

Get in touch

PROVEN RESULTS

4.7 / 5from 23 Google reviews