If you’re running a Takaful business today, chances are your teams are juggling multiple systems just to get basic tasks done. There’s one tool for customer onboarding, another for claims, a spreadsheet for fund management, and maybe even some manual tracking for regulatory compliance.
These disconnected tools create frustration, delays, errors—and lost opportunities.
At Tidal Waves, we believe there’s a better way. That’s why we’ve built a fully unified, modular platform designed specifically for Takaful companies—especially those operating in dynamic and fast-growing markets.
The Problem: Disconnected Systems = Disconnected Growth
Takaful operators are increasingly under pressure to grow digitally, serve new segments, and stay compliant with ever-evolving regulations. But when every function runs on its own siloed solution, the business suffers:
- Customers drop off during complex onboarding
- Claims take longer to process (and cost more to manage)
- Fund and pool reporting gets delayed—or fails audits
- Product innovation slows down due to IT limitations
- Teams spend more time fixing tech issues than helping participants
In short: siloed systems don’t scale—especially not in today’s digital-first landscape.
The Solution: One Platform. All the Pieces. Built for Takaful.
At Tidal Waves, we’ve built a platform that lets Takaful companies break free from silos and run everything in one place—with the flexibility to start small and scale big.
Here’s what it brings together:
- Participant Onboarding: Fully digital journeys with e-KYC, consent, and document capture—via mobile, WhatsApp, or partner integrations.
- Product Management: Easily configure and launch family or general Takaful products—without needing to touch code.
- Claims Workflow: Automated, step-by-step claims process with real-time tracking, approvals, and reporting.
- Fund & Pool Management: Shariah-compliant accounting, surplus tracking, and integrated financial reporting—no external spreadsheets needed.
- Partner Portal & Agent Tools: Custom dashboards for bank partners, agents, and aggregators to manage sales, commissions, and case progress.
- Regulatory & Shariah Compliance: All modules are aligned with SECP guidelines and offer built-in reports, audit trails, and governance rules.
And best of all: every module talks to each other. No double-entry. No delays. No finger-pointing across vendors.
Built to Flex, Built to Grow
We know every Takaful operator is at a different stage of their digital journey. That’s why our platform is modular and API-first. You can start with claims or onboarding, then add fund management or partner tools as you grow.
You’re in control.
Need to plug into a core insurance system? Done.
Want to launch micro-Takaful with a mobile wallet? We’ve got pre-built integrations.
Looking to run pilots in rural areas? You can go live in weeks, not months.
The Tidal Waves Promise: Simplify to Scale
Our mission is simple: we make Takaful operations smoother, smarter, and scalable.
We don’t just digitize your existing processes—we help you reimagine them.
So whether you’re a Takaful company looking to modernize, a bank exploring embedded Takaful, or an NGO supporting inclusion—we’re here to help you build on solid, scalable tech.
The Clock is Ticking: Shariah Compliance by 2028
As mandated by Pakistan’s Federal Shariat Court and reinforced by the State Bank and SECP, the entire financial sector—including Takaful and conventional insurance—must transition to a fully Islamic, Shariah-compliant model by January 1, 2028.
Tidal Waves is here to help Takaful providers prepare, digitize, and scale in a way that aligns with both Shariah principles and modern efficiency.
Whether you are transitioning from a conventional insurance setup or upgrading your existing digital stack, our platform supports the full transformation journey—from core system modernization and process automation to data migration, policy restructuring, and Shariah compliance reporting.
We are not just enabling digital transformation—we are enabling Shariah-aligned innovation at scale.
📩 Want to see the unified platform in action? Let’s talk about how we can help you simplify operations and unlock your next phase of growth.
