Financial OS

Meet Pemo's Financial OS

Multiply your finance team without increasing headcount

Empower your finance team with AI agents so they can do more while spending less time analyzing financial data. Upload your financial data and get all the insights you need within minutes.

Ask any financial question and get answers within minutes
Upload your data to LLMs and surface insights automatically
Pemo agents act as your 24/7 financial analyst, always on, always ready

Billpay

Automate all your AP from one place

No need to manually record and process your payments. Automate the grind work and have full visibility of every payment. Upload your bills and all information is automatically processed.

Upload invoices and let Pemo extract and record all details automatically
Full visibility on all payments: past, pending, and scheduled
Zero manual data entry, zero missed payments

Fraud detection

Catch fraud before it happens

You don't need to worry about incorrect payments or fraud. Our system validates every invoice against the purchase order to make sure everything is correct before a single dirham moves.

Invoice-to-PO validation on every payment automatically
AI agents scan transactions and vendor data in real time for anomalies
Threats are automatically flagged for your team before they become problems

Have questions?

What is Pemo Financial OS?

Pemo Financial OS is an all-in-one finance platform combining AI agents, automated bill pay, fraud protection, and Sharia-compliant cash returns in a single product. Built for MENA businesses who want to run their entire finance function — from payments to insights — without the manual overhead of traditional tools.

How is this different from what Pemo offered before?

Pemo started as a corporate card and expense management tool. The Financial OS builds on that with AI agents that answer financial questions, automate accounts payable end-to-end, detect fraud before funds move, and generate returns on idle cash. The same trusted platform — now doing far more of the work for you.

Is it secure and compliant for use in the Middle East?

Yes. Pemo is regulated by the CBUAE, with all data stored in-region in full compliance with the UAE Personal Data Protection Law (PDPL). Our card issuing infrastructure is PCI-DSS certified, and the Wakala product follows AAOIFI Sharia standards.

Does our finance team lose control?

Not at all. Pemo's AI agents augment your team — they surface insights, flag anomalies, and handle routine tasks. Every payment, approval, and action is fully auditable. Your finance team sets the rules, approves exceptions, and retains complete authority.

What size company benefits most?

Pemo is built for growing MENA businesses — typically 10 to 500 employees who have outgrown manual expense tracking and basic banking but haven't yet scaled to enterprise ERP complexity. Customers span retail, logistics, professional services, tech, and hospitality across UAE and KSA

How long does it take to get started?

Most companies are live within one week. KYB typically completes in 2–3 business days, cards are issued the same week, and our onboarding team walks you through setup step by step. Pemo Agents and Bill Pay are available the moment your account is activated — no lengthy implementations or IT dependencies.

Your AI-powered finance team, working 24/7

Meet Pemo's Financial OS

Multiply your finance team without increasing headcount

Automate all your AP from one place

Catch fraud before it happens

Have questions?

Start automating your business finances