{"id":667279,"date":"2025-06-23T00:00:00","date_gmt":"2025-06-23T00:00:00","guid":{"rendered":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/"},"modified":"2025-06-23T00:00:00","modified_gmt":"2025-06-23T00:00:00","slug":"valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing","status":"publish","type":"post","link":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/","title":{"rendered":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing"},"content":{"rendered":"

Today is a big day for Valu \u2014 with the local leading fintech not only joining the EGX, but <\/strong>welcoming Amazon as a direct shareholder too. <\/strong>In the run-up to the big day, EnterpriseAM sat down with Valu CEO Walid Hassouna (LinkedIn<\/a>) to find out more about the reasons behind the company\u2019s success and what to look out for from the company going forwards.<\/p>\n

ICYMI- <\/strong>In part one of our conversation, we touched on how the fintech became a household <\/strong>name and what's st<\/strong>ill to come<\/strong>. You can check it out here<\/a>. <\/p>\n

In part two, EnterpriseAM heard from Hassouna about how the company stands out and <\/strong>succeeds in a crowded consumer finance market<\/strong>, what\u2019s driving profitability and revenues, and more. Edited excerpts from our conversation, below:<\/p>\n

EnterpriseAM: What\u2019s driving revenue growth on the one hand, and profitability on the <\/strong>other?<\/strong><\/p>\n

Walid Hassouna: For sustainable revenue growth, customers will not come to you unless <\/strong>you have a <\/strong>real hook<\/strong> \u2014 that\u2019s why you often see strategies like limited-time offers, steep discounts, or cashback promotions. When a customer engages with us for the first time, we make sure that they gain significant value, even if it means we take a short-term loss. The key, of course, is to manage this carefully. It's about getting new customers on board and then selling them on doing more with us.<\/p>\n

For example, if a customer starts by purchasing electronics through us, we\u2019ll introduce <\/strong>them to other categories like fashion<\/strong>, where we can offer better margins, or travel, where we\u2019re the exclusive partner with EgyptAir. Our unique partnerships with platforms like Amazon and Noon further strengthen our position in the market, allowing us to provide unparalleled value, while driving long-term engagement.<\/p>\n

In practice, our solution offers customers a revolving credit limit, which operates much <\/strong>like a credit card.<\/strong> While regulatory constraints in Egypt require us to issue a prepaid card, rather than a credit card directly, the functionality mirrors that of a credit card seamlessly. Customers can transfer funds from their app to the prepaid card and use it just as they would a credit card, enjoying the same flexibility and convenience. This innovative approach allows us to deliver a credit-like experience within the current regulatory framework.<\/p>\n

From there, we become your go-to payment solution for everything<\/strong>, whether you\u2019re ordering meals on Talabat, shopping on Amazon, or booking a ride-hail. We want to be our customers' preferred payment method and then keep them for life.<\/p>\n

For us as a consumer finance business, profitability hinges on two major factors.<\/strong> The first is access to commercial debt, and the second is the ability to effectively manage risk. Along with a couple of key players in the market, we enjoy excellent access to commercial debt. The banking sector in Egypt is highly advanced compared to others in the region, and it helps that banks are now very accustomed to working with NBFIs. We\u2019ve been able to raise debt with no recourse to our shareholders. So everything that we have raised in commercial debt since inception remains on our books and under our own risk. To date, we have 22 banks lending to Valu, with facilities totalling EGP 8.2 bn.<\/p>\n

E: And what about securitization?<\/strong><\/p>\n

WH: We are one of the biggest issuers of securitized bonds<\/strong> \u2014 we\u2019ve done EGP 14 bn worth of securitizations in the past three years. We've also started offloading with banks and discounting with other banks, all of this with no recourse on Valu.<\/p>\n

If you have real access to credit, that reduces costs significantly and enables you to <\/strong>scale<\/strong> \u2014 it makes your economies of scale work, right? If we now sell USD 1.2 mn or USD 1.3 mn a day, it's because we have this capacity to raise debt and use it.<\/p>\n

E: You also mentioned risk management a moment ago?<\/strong><\/p>\n

WH: Because we maintain very low risk, minimal NPLs, and limited provisions, <\/strong>profitability stems from our ability to scale effectively while managing risk.<\/strong> Of course, our revenue streams are diverse. We generate income through interest rates, fees, and rebates from merchants. Additionally, we have non-lending revenue sources, such as offering the largest gift card program in Egypt, affiliate marketing partnerships with Amazon, and collaborations with other players. We also offer pay products, Valu Business, salary advances, and more. While we have multiple revenue streams, the key to our success lies in our very low risk profile and strong access to financing, which enable us to scale efficiently and drive profitability.<\/p>\n

E: There are something like 45 consumer finance companies in Egypt, and no real <\/strong>consolidation in sight that we can see today. What\u2019s your moat?<\/strong><\/p>\n

WH: The market grew 30% last year \u2014 Valu grew 70%.<\/strong> We\u2019ve outgrown the market over the past three years despite rising competition, and some players are just burning money. It helps that we have the biggest network \u2014 that\u2019s one of our big edges alongside turnaround time. Consumers may consider having a second company, but they\u2019ll choose Valu first because it\u2019s the most widely accepted \u2014 it\u2019s accepted everywhere with a point-of-sale machine. We have the biggest, most inclusive network, from utility bills up to boats, homes, and luxury travel.<\/p>\n

I believe our boldness and unwavering commitment to innovation have been the driving <\/strong>forces behind our success. <\/strong>From the very beginning, EFG Holding recognized that one of the biggest risks in launching Valu was the possibility that other market players such as major retailers and traditional consumer finance companies might replicate our model. This challenge pushed us to stay ahead by constantly evolving, thinking about versions 2.0, 3.0, and beyond. It enabled us to expand from the foundational revolving credit limit, which is fast and instant, to a diverse range of offerings, including online solutions, gift cards, cashback programs, C2C platforms, loans, boats, and big-ticket items. This relentless focus on innovation has been key to our growth and differentiation in the market.<\/p>\n

E: Looking three years down the road, what\u2019s driving growth?<\/strong><\/p>\n

WH: We want to focus more on non-revolving facilities, particularly for big-ticket items.<\/strong> This approach isn\u2019t groundbreaking, it aligns with what banks already do \u2014 they have credit cards and personal loans. Currently, our products lean more toward the credit card model, but we\u2019re actively exploring ways to develop our own unique take on the personal loan concept.<\/p>\n

E: Is that where Ulter comes in?<\/strong><\/p>\n

WH: Ulter, yes, but also Shift, our car-finance product, which is a key part of our strategy <\/strong>for the next couple of years. <\/strong>During this period, we aim to expand the use of our prepaid card beyond Valu customers, as it is the fastest-growing card in Egypt. Allowing other customers to use it is a priority for us, and we\u2019ve already submitted an application to the FRA for a fintech license to enable this.<\/p>\n

And, of course, we think it's very important to our ecosystem to be able to lend to our <\/strong>merchants.<\/strong> Our affiliate marketing business is growing very well right now. We are adding a significant number of customers. We\u2019re also preparing to launch our own marketplace for affiliate marketing soon. Another focus area is our expansion into Jordan, as we aim to enter markets where we can establish a strong presence and truly own the space.<\/p>\n

E: Why Jordan?<\/strong><\/p>\n

WH: Our approach is closely aligned with EFG Holding\u2019s strategy, as we aim to be a top <\/strong>player in every market we enter. <\/strong>That\u2019s why we\u2019re selective about where we operate. Competing in markets like Saudi Arabia or the UAE, where giants like Tabby and Tamara dominate, doesn\u2019t align with our vision. For example, while Tabby handles USD 10 bn annually, the entire Egyptian market of 45 companies collectively sells around USD 1 bn. Instead, we\u2019re focusing on Jordan, where we can build a strong presence and establish ourselves as a leader. This targeted approach allows us to concentrate our resources and maximize our impact.<\/p>\n

Jordan is our focus for this year. Additionally, we\u2019re exploring opportunities in one Asian <\/strong>market and one North African market, with plans to possibly enter in the second half of 2026. <\/strong>We prioritize markets with low credit card penetration, limited consumer finance options, and gaps in the products currently offered \u2014 areas where we can make a meaningful impact.<\/p>\n

E: What\u2019s keeping you awake at night right now?<\/strong><\/p>\n

WH: Customer complaints. While it might seem unconventional, I still make it a point to <\/strong>read customer complaints.<\/strong> I know it\u2019s not the most efficient use of time, but it keeps me directly connected to our customers and provides invaluable, firsthand insights into where we may genuinely fall short or be able to do better.<\/p>\n

Additionally, I often find myself lying awake at night thinking about new products.<\/strong> We\u2019re working on something truly disruptive, and it\u2019s fascinating and sometimes consuming how much it occupies my thoughts during those quiet hours. I am deeply invested in driving innovation and want to ensure we stay ahead in the market.<\/p>\n","protected":false},"excerpt":{"rendered":"

For sustainable revenue growth, customers will not come to you unless you have a real hook<\/p>\n","protected":false},"author":1,"featured_media":667280,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","ep_exclude_from_search":false,"_primary_brand":0,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8231],"tags":[335,72,515,1437],"brand":[],"newspack_spnsrs_tax":[],"class_list":["post-667279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agreements-and-mous-totalling-eur-67-7-bn-inked-at-egypt-eu-investment-conference","tag-coffee-with","tag-enterpriseam","tag-valu","tag-walid-hassouna","wpautop","entry"],"acf":{"mongo_id":"683e20de-34c7-4bcd-ac2b-aafc32178a0d","order":"5","is_powered_by":false,"story_type":"1","photo_url":"https:\/\/ent.news\/2025\/6\/1270.jpg","photo_position":"above","homepage_title":"","full_issue_title":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing","related_issue":[667271],"teaser":"For sustainable revenue growth, customers will not come to you unless you have a real hook","voice_url":"https:\/\/s3.us-east-1.amazonaws.com\/ent.news\/audio\/2025\/6\/.ef8c9887-828e-42c4-aabe-eb2782235623.mp3"},"yoast_head":"\nValu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing - EnterpriseAM Egypt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing\" \/>\n<meta property=\"og:description\" content=\"For sustainable revenue growth, customers will not come to you unless you have a real hook\" \/>\n<meta property=\"og:url\" content=\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\" \/>\n<meta property=\"og:site_name\" content=\"EnterpriseAM Egypt\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-23T00:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1\" \/>\n<meta name=\"author\" content=\"enterpriseam admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"enterpriseam admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\"},\"author\":{\"name\":\"enterpriseam admin\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#\/schema\/person\/ca597032db7e4db868359c123cec256d\"},\"headline\":\"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing\",\"datePublished\":\"2025-06-23T00:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\"},\"wordCount\":1522,\"publisher\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#organization\"},\"image\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1\",\"keywords\":[\"Coffee With\",\"EnterpriseAM\",\"ValU\",\"Walid Hassouna\"],\"articleSection\":[\"Coffee With\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\",\"url\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\",\"name\":\"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing - EnterpriseAM Egypt\",\"isPartOf\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1\",\"datePublished\":\"2025-06-23T00:00:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/enterpriseam.com\/egypt\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#website\",\"url\":\"https:\/\/enterpriseam.com\/egypt\/\",\"name\":\"EnterpriseAM\",\"description\":\"The State of the Nation\",\"publisher\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/enterpriseam.com\/egypt\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#organization\",\"name\":\"EnterpriseAM\",\"url\":\"https:\/\/enterpriseam.com\/egypt\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ent.news\/internal\/240894.svg\",\"contentUrl\":\"https:\/\/ent.news\/internal\/240894.svg\",\"caption\":\"EnterpriseAM\"},\"image\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#\/schema\/person\/ca597032db7e4db868359c123cec256d\",\"name\":\"enterpriseam admin\",\"sameAs\":[\"http:\/\/enterpriseam.testing.projectsarea.com\"],\"url\":\"https:\/\/enterpriseam.com\/egypt\/author\/enterpriseam\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing - EnterpriseAM Egypt","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/","og_locale":"en_US","og_type":"article","og_title":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing","og_description":"For sustainable revenue growth, customers will not come to you unless you have a real hook","og_url":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/","og_site_name":"EnterpriseAM Egypt","article_published_time":"2025-06-23T00:00:00+00:00","og_image":[{"url":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1","type":"","width":"","height":""}],"author":"enterpriseam admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"enterpriseam admin","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#article","isPartOf":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/"},"author":{"name":"enterpriseam admin","@id":"https:\/\/enterpriseam.com\/egypt\/#\/schema\/person\/ca597032db7e4db868359c123cec256d"},"headline":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing","datePublished":"2025-06-23T00:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/"},"wordCount":1522,"publisher":{"@id":"https:\/\/enterpriseam.com\/egypt\/#organization"},"image":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1","keywords":["Coffee With","EnterpriseAM","ValU","Walid Hassouna"],"articleSection":["Coffee With"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/","url":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/","name":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing - EnterpriseAM Egypt","isPartOf":{"@id":"https:\/\/enterpriseam.com\/egypt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage"},"image":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1","datePublished":"2025-06-23T00:00:00+00:00","breadcrumb":{"@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#primaryimage","url":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1","contentUrl":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1"},{"@type":"BreadcrumbList","@id":"https:\/\/enterpriseam.com\/egypt\/2025\/06\/23\/valu-ceo-walid-hassouna-on-how-the-fintech-outpaces-its-rivals-ahead-of-egx-listing\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/enterpriseam.com\/egypt\/"},{"@type":"ListItem","position":2,"name":"Valu CEO Walid Hassouna on how the fintech outpaces its rivals ahead of EGX listing"}]},{"@type":"WebSite","@id":"https:\/\/enterpriseam.com\/egypt\/#website","url":"https:\/\/enterpriseam.com\/egypt\/","name":"EnterpriseAM","description":"The State of the Nation","publisher":{"@id":"https:\/\/enterpriseam.com\/egypt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/enterpriseam.com\/egypt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/enterpriseam.com\/egypt\/#organization","name":"EnterpriseAM","url":"https:\/\/enterpriseam.com\/egypt\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/enterpriseam.com\/egypt\/#\/schema\/logo\/image\/","url":"https:\/\/ent.news\/internal\/240894.svg","contentUrl":"https:\/\/ent.news\/internal\/240894.svg","caption":"EnterpriseAM"},"image":{"@id":"https:\/\/enterpriseam.com\/egypt\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/enterpriseam.com\/egypt\/#\/schema\/person\/ca597032db7e4db868359c123cec256d","name":"enterpriseam admin","sameAs":["http:\/\/enterpriseam.testing.projectsarea.com"],"url":"https:\/\/enterpriseam.com\/egypt\/author\/enterpriseam\/"}]}},"featured_image_src":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?resize=600%2C400&ssl=1","featured_image_src_square":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?resize=600%2C600&ssl=1","author_info":{"display_name":"enterpriseam admin","author_link":"https:\/\/enterpriseam.com\/egypt\/author\/enterpriseam\/"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/ent.news\/2025\/6\/1270.jpg?fit=%2C&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":578146,"url":"https:\/\/enterpriseam.com\/egypt\/2022\/12\/18\/efg-hermes-valu-sets-aside-usd-25-mn-to-expand-through-ma-new-products\/","url_meta":{"origin":667279,"position":0},"title":"EFG Hermes\u2019 valU sets aside USD 25 mn to expand through M&A + new products","author":"enterpriseam admin","date":"18 December 2022","format":false,"excerpt":"valU to spend USD 25 mn on regional + product expansion: EFG Hermes\u2019 buy-now-pay-later platform valU expects to invest some USD 25 mn to complete its expansion to Saudi Arabia and roll out new products in early 2023, valU CEO Walid Hassouna told Zawya.REFRESHER- valU signed a sale and purchase\u2026","rel":"","context":"In "NON-BANKING FINANCIAL SERVICES"","block_context":{"text":"NON-BANKING FINANCIAL SERVICES","link":"https:\/\/enterpriseam.com\/egypt\/category\/non-banking-financial-services\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2022\/12\/355.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":596325,"url":"https:\/\/enterpriseam.com\/egypt\/2019\/08\/25\/valu-signs-contract-with-insurance-company-for-auto-insurance-installment-plans\/","url_meta":{"origin":667279,"position":1},"title":"Valu signs contract with insurance company for auto insurance installment plans","author":"enterpriseam admin","date":"25 August 2019","format":false,"excerpt":"EFG Hermes\u2019 fintech subsidiary Valu has signed a contract with an insurance company to feature its car insurance installment plan on the app, CEO Walid Hassouna told the local press without naming the company. Valu users will be able to pay for the insurance in 12 installments over the course\u2026","rel":"","context":"In "Banking + Finance"","block_context":{"text":"Banking + Finance","link":"https:\/\/enterpriseam.com\/egypt\/category\/banking-finance\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":544872,"url":"https:\/\/enterpriseam.com\/egypt\/2022\/03\/24\/valu-to-enter-saudi-arabia-in-1h2022\/","url_meta":{"origin":667279,"position":2},"title":"valU to enter Saudi Arabia in 1H2022","author":"enterpriseam admin","date":"24 March 2022","format":false,"excerpt":"EFG Hermes\u2019 consumer finance platform valU will set foot in Saudi Arabia before the end of 1H2022, marking its first cross-border expansion, EFG Hermes Finance CEO Walid Hassouna told Bloomberg Asharq. The fintech platform is also looking at the Moroccan and Tunisian markets in cooperation with EFG Hermes\u2019 e-payments subsidiary\u2026","rel":"","context":"In "Finance"","block_context":{"text":"Finance","link":"https:\/\/enterpriseam.com\/egypt\/category\/industries\/finance\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":548105,"url":"https:\/\/enterpriseam.com\/egypt\/2022\/07\/26\/valu-gets-walid-hassounas-full-attention\/","url_meta":{"origin":667279,"position":3},"title":"valU gets Walid Hassouna\u2019s full attention","author":"enterpriseam admin","date":"26 July 2022","format":false,"excerpt":"valU has Walid Hassouna\u2019s full attention: Walid Hassouna is leaving his position as CEO of EFG Hermes\u2019 Non-Bank Financial Institutions (NBFI) platform to dedicate himself full-time to his role as CEO of its buy-now-pay-later (BNPL) platform valU, according to a press release (pdf). \u201cThe decision to appoint Hassouna as CEO\u2026","rel":"","context":"In "Moves"","block_context":{"text":"Moves","link":"https:\/\/enterpriseam.com\/egypt\/category\/newsmakers\/moves\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":599392,"url":"https:\/\/enterpriseam.com\/egypt\/2019\/06\/26\/efgs-valu-to-launch-in-upper-egypt-next-quarter\/","url_meta":{"origin":667279,"position":4},"title":"EFG\u2019s valU to launch in Upper Egypt next quarter","author":"enterpriseam admin","date":"26 June 2019","format":false,"excerpt":"EFG Hermes\u2019 mobile app valU is planning to expand into Upper Egypt next quarter, starting with Minya and Assiut, CEO Walid Hassouna told Mubasher. The fintech solutions arm is targeting growing twofold in the volume of payment-on-instalment services provided this year.","rel":"","context":"In "Banking + Finance"","block_context":{"text":"Banking + Finance","link":"https:\/\/enterpriseam.com\/egypt\/category\/banking-finance\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":555794,"url":"https:\/\/enterpriseam.com\/egypt\/2021\/11\/28\/valu-eyes-regional-expansion-ma-could-be-in-the-cards-here-in-egypt\/","url_meta":{"origin":667279,"position":5},"title":"valU eyes regional expansion, M&A could be in the cards here in Egypt","author":"enterpriseam admin","date":"28 November 2021","format":false,"excerpt":"EFG Hermes\u2019 consumer finance platform valU is planning to expand into Saudi Arabia and North Africa as early as next year in what will be the company\u2019s first cross-border expansion, EFG Hermes Finance CEO Walid Hassouna told Bloomberg Asharq.Saudi has been on valU\u2019s radar for a while: Group CEO Karim\u2026","rel":"","context":"In "Finance"","block_context":{"text":"Finance","link":"https:\/\/enterpriseam.com\/egypt\/category\/industries\/finance\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2021\/11\/615.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/667279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/comments?post=667279"}],"version-history":[{"count":0,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/667279\/revisions"}],"acf:post":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/issue\/667271"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media\/667280"}],"wp:attachment":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media?parent=667279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/categories?post=667279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/tags?post=667279"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/brand?post=667279"},{"taxonomy":"newspack_spnsrs_tax","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/newspack_spnsrs_tax?post=667279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}