TMTM

TMTM is a next-generation digital financial platform designed to empower individuals and businesses in Iraq through secure and flexible installment purchase services. The app enables users to apply for installment purchase services, manage installments, monitor repayments, and access digital payment services through a unified mobile experience.

⸻

📘 Installment Purchase Service Disclosure (Required by Google Play)

✔ Minimum & Maximum Repayment Tenure

Minimum repayment period: 3 months
Maximum repayment period: 60 months

✔ Maximum Annual Fee

Maximum annual fee: 20%

✔ Representative Example of Installment Purchase Service

For example, if a customer makes a purchase of 1,000,000 IQD using installment purchase service for 12 months at an annual fee of 20%, the estimated monthly payment will be 92,600 IQD, and the total repayment amount will be 1,111,200 IQD (including the principal purchase amount and applicable fees).

This example is for illustration purposes only. Actual eligibility, annual fee, repayment schedule, and fees depend on the user’s profile and credit assessment.

⸻

🚀 Core Features

✔ Digital Application for Installment Purchase Service
Users can easily apply for installment purchase services through a guided, paperless process.

✔ Smart Credit Scoring
Integrated with credit bureau systems to ensure transparent and data-driven eligibility checks.

✔ Installment Management Dashboard
Track order status, installments, repayment history, and outstanding balances in real time.

✔ SME-Focused Installment Purchase Service
Helps businesses buy goods and services through a flexible installment system that supports sustainable growth.

✔ Secure & Compliant
All transactions are encrypted and processed according to Iraqi financial regulations.

⸻

🎯 Who Can Use TMTM
• SMEs looking to purchase goods and services through installments
• Individuals who want to buy products or services on a transparent installment plan
• Businesses managing repayments digitally

⸻

🔒 Security & Compliance

TMTM follows strict information security standards and uses encrypted channels for all financial and personal data. User privacy is protected in line with Iraqi regulations.

⸻

📲 Download TMTM Today

Experience modern, secure, and transparent digital installment purchase services in Iraq.