Unlocking Dreams.
Fulfilling Aspirations.


Credeze is a Digital Lifestyle Ecosystem platform that acts as a  gateway for customers get personalized services and superior experiences delivered to them as a part of their lifestyle journeys.
The ecosystem embraces Lifestyle economy – shaping contextual services in a secure transparent manner with embedded financial wellness. It embeds in Customer lifestyle journeys through tech-enabled integrations with ecosystem partners.  Whether it is Everyday needs like Food, Groceries, Lifestyle needs like Movies, Restaurants, Fitness or even key life events around Next Auto, New Home – it is all about enabling customers have access to the desired services at their engagement touch-point.

Credeze enables fulfillment of aspirations, digital and automated journeys for Customer as connecting the dots as a reliable partner, guide,and assistant who prioritizes customer welfare, benefit at all times. We achieve this thanks to our supportive ecosystem partners who share our desire to provide engaging experiences and rewarding moments for Customer while enabling new business avenues. 


Fulfill your Aspirations at engagement touch-point

Quick & Simple Signup Process

Quick and simple sign-up that won’t take you more than 5 minutes

Unlock Value Exchange

Upsize your Lifestyle and Explore your dreams, we are with you all the way. 

Explore with Confidence

Experience contextual and personalized services and fulfillment as per need

End-to-end Orchestration for Customer Lifestyle Journeys

The wider convergence of financial and lifestyle services is fast becoming the norm. The ecosystem envisages support for Everyday products, Lifestyle Products, Financial Wellness and supporting life-event journeys. . The platform will automate Online and offline customer journeys across touch points and seek to deliver delightful and embedded experience with ease and efficiency apart from lifestyle rewards. the ecosystem plans bringing together various stakeholders including Asset Owners, Lifestyle Good merchants, Partners providing Everyday services apart from agencies to help asset registration and maintenance post purchase

Single-window portal, Mobile App

Credeze is a single-window multi-vendor portal that helps Customer get ample choice for customers to choose their products and services from curated ecosystem partners.

Omni-channel option with online/ offline support

Credeze offers the choice to customers to shop online or walk into the offline store/ dealer to have better contextual experiences before they make their purchase.

Superior Engagement and Rewards

Customers will have wide variety of Lifestyle rewards, cash backs with embedded gamification apart from special offers from our ecosystem partners. You can explore, have complete visibility of the different stages in your journey.

We've Come a Long Way

JMR Infotech is a trusted technology product and services provider working with business leaders across the globe to build robust, agile, and adaptive enterprises. Backed by an experienced management team, strategic alliances, and 200+ satisfied customers and over 600 domain experts, JMR is the partner of choice for progressive organizations, which consistently deliver incremental value to their clientele.

Driven by innovation, JMR Infotech has designed a cutting-edge Lifestyle platform – Credeze that is just right for the UAE market. Credeze is a pioneer in the Lifestyle Economy slotted in the convergence between Lifestyle services and Embedded Finance . It delivers engaging and rewarding propositions for Customers, Partner Financial institutions and Ecosystem partners.

Meet the Team

Jayafar Moidu
Jayafar Moidu
Founder & CEO

Jayafar Moidu, Founder & CEO of JMR Infotech, a leading Technology Solutions, and Services provider, is a visionary of a rare breed who embodies the principle ‘Nothing is impossible’.

Under Jayafar’s prudent guidance, JMR Infotech has earned worldwide recognition for providing cutting-edge technology services to its clients. Jayafar has spent close to three decades in the IT industry. Jayafar’s distinguished corporate experience, combined with his successful entrepreneurial stint has enabled him to evolve into an industry thought leader who can pioneer new ideas.

In 2007, when Jayafar Moidu founded JMR Infotech, one of the key objectives was to propagate his vision to provide unmatched quality of IT services to clients through innovation and thought leadership. In its short existence, the company has grown from strength to strength through his visionary ideas, innovation, and perseverance. JMR Infotech’s clientele includes top organizations and financial institutions across 5 continents and this achievement is a testimony of Jayafar’s deep understanding of technology.

Saleem Ahmed
Saleem Ahmed
Strategic Advisor - Credeze

With a wealth of 26 years’ experience working for organizations such as L&T, Citibank, First Abu Dhabi Bank (FAB), and Sharjah Islamic Bank (SIB) across India, Saudi Arabia, and the UAE, Saleem’s true passion lies in driving innovative ideas, develop product roadmaps and in building world-class teams. He has continually demonstrated his expertise in conceptualizing, developing, and delivering award-winning best-in-class solutions. His expertise and drive have provided lasting value to the organizations he worked with and benefited customers such as Saudi Aramco, Sharjah Government, Mubadala, SABIC, Saudi Chevron etc.

The Middle East especially UAE and KSA are attracting pioneers in the field of aviation, especially green aviation. In his current role as the President of the Middle East and Africa for Luftcar, Saleem is building and spearheading its expansion and go-to-market strategy, with the vision to build ecosystems in partnership with Government bodies and the private sector to revolutionize transportation (in ways not thought possible) while contributing to a better and cleaner world.

Saleem is an accomplished public speaker and is passionate about helping and mentoring youth and young entrepreneurs and fintechs and wishes to collaborate and contribute more to academia. He has also been Chairman of Industry bodies such as the UAE banking federation’s Digital committee and has authored seminal publications for the Arab Monetary Fund. He is also on the Board of a couple of leading-edge software companies lending his strategic expertise.

On the Personal front, Saleem enjoys reading the latest tech developments in Science, Fintech, and Digital lifestyle, playing badminton, and spending time with his wife and three children (two sons and one princess!).
Leading from the front, building lasting relationships, being positive about life, and wanting to make a difference are his hallmarks defining his worldview.

Vijay Raina
Vijay Raina
Group Chief Operating Officer

After joining JMR Infotech in 2010 as Project Manager, Vijay managed the relationships with key clients in India and North Africa.

Having worked in the Banking and IT industries for the last 2 decades, he brings with him a rich experience in Retail Banking Operations, Core Banking Product Development, Product Implementation and Partner Enablement.

Prior to joining JMR Infotech, he worked with Oracle Financial Services Software Ltd., where he had executed Implementation, Development, Migration and Partner Enablement projects in mature markets like Japan and Western Europe.

Early in his career Vijay was associated with the ICICI Bank – India’s largest private sector bank and headed one of its branches in Mumbai.

Venkata Subramanian (Vex)
Venkata Subramanian (Vex)
President – Financial Services & Solutions

Venkata Subramanian (Vex) is a versatile business leader with more than 33 years of experience in the Banking & IT industry.

In his role as President – Banking & Financial Services, Vex sets the strategic direction for JMR’s Banking and Financial Services business.

Vex started his career with the State Bank in 1983 and served in various capacities before embarking on a career in the IT industry. He spent more than 2 decades with COSL – CITIL – iflex – OFSS, where he handled many large scale FLEXCUBE implementations and managed marquee customers.

He was instrumental in increasing the FLEXCUBE customer base and has worked with some of the most prominent names in the Banking industry, across geographies. He has won the Service Excellence Award for 2 consecutive years and a Team award for his various roles at Oracle.

Suresha Ramachandra Iyer
Suresha Ramachandra Iyer
EVP & Head – Enterprise Risk & Analytics

Suresha holds a Master’s Degree in Statistics from Bangalore University and holds the First Rank. He is the first Indian to get certified in AML by ACAMS of USA. He is also invited to speak at several international forums on Compliance regularly. Suresha has won several awards and accolades in his illustrious corporate career.

Suresha is an accomplished professional with 40+ years of experience spread across Banking, Mutual Funds and IT Services industry.
Suresha started his career with hands-on retail banking roles at Canara Bank. After a fifteen-year stint, he moved to Canbank Mutual Fund. He handled all aspects of the Mutual Funds business for nearly ten years before joining i-flex Solutions in Feb 2000 (presently Oracle Financial Services). During his stint at Oracle, he handled the landmark Datawarehouse project for the Reserve Bank of India and four complex Central Bank projects.

He was involved in delivering Strategic Consulting and Advisory services to Citi, Lloyds, Barclays and was actively involved in the completion of over twenty Risk & Compliance projects across the globe. A substantial part of Suresha’s career has been with the Technology industry across Datawarehouse, Risk & Compliance functions, Strategic Consulting Services and Program Management.

AVP - Digital Platforms

Kalyan is a seasoned technology expert with over 18 years of experience in product development. He is the Chief Architect of Credeze and other digital platforms at JMR Infotech. He firmly believes that digital technology will drive the way we fulfill our lifestyle needs with end-to-end automation for a seamless customer journey, and Credeze platform has been designed to ensure this.

Be in Touch

We want to hear from you!

JMR Infotech Middle East (FZC)
P.O. Box 120894 Q3-219 Sharjah Airport International Free Zone Sharjah, UAE

Tel: +971 655789 30 | Email: info@credeze.com

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