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03 Sep 2026
Beyond "BNPL": The Real Cost of Consumer Installment Finance

Beyond "BNPL": The Real Cost of Consumer Installment Finance

Consumer installment finance doesn't just affect the people using it, it reshapes spending behavior, market pricing, and economic stability at scale. This article traces the real cost of BNPL from the individual decision all the way to the broader market, and what to do with that understanding.

Ahmed El Zoughby
8 min read
03 Sep 2026
Traditional Installments & Commercial BNPL through the lens of Islamic Finance

Traditional Installments & Commercial BNPL through the lens of Islamic Finance

Installment finance in Egypt takes more than one form, and the differences between them are not in the marketing, they're in the structure. This article breaks down some of those commercial models, what each one hides, and where each one stands against the sharia compliance standards.

Ahmed El Zoughby
7 min read
28 Aug 2026
Is a Credit Card Right for Your Financial Personality?

Is a Credit Card Right for Your Financial Personality?

A credit card doesn't change your financial habits, it amplifies them. Before you apply, or continue using one, understanding how your financial personality interacts with debt is the most important step you can take.

Ahmed El Zoughby
4 min read

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