- Alya offers interest-free installment payments over 2 to 4 months
- Platform is approved by Bank Al-Maghrib and integrated with the CIM
- Founder Brahim Zaid has a background in finance, consulting, and venture capital
Brahim Zaid (pictured) is a Moroccan entrepreneur specializing in financial innovation. He is the founder and CEO of Alya, a Moroccan installment payment solution that allows users to buy immediately and pay later in two, three, or four monthly installments.
Founded in 2022, Alya positions itself as a tool that spreads payments over several months. The goal is to enable users to access a product or service without paying the full amount upfront, while distributing the cost to better manage their expenses.
Alya relies on an interest-free, fee-free installment model. Users know the total amount and the exact payment schedule from the start. This approach limits risks linked to borrowing costs and addresses common concerns about credit-based services.
Alya is licensed by Bank Al-Maghrib and complies with the standards of the National Commission for the Control of Personal Data Protection. The solution is also integrated into the Interbank Electronic Payment Center (CIM), strengthening its operational framework.
Brahim Zaid holds a bachelor’s degree in economics and finance earned in 2014 from the University of Melbourne in Australia. He also graduated from the University of Sydney, where he obtained a master’s degree in management in 2016.
He began his professional career in 2012 as president of the Melbourne Microfinance Initiative. In 2015, he became finance and operations associate at CliniCloud, a company specializing in health technology. The following year, he worked as a student consultant at Deloitte in Sydney before joining Artesian as a venture capital analyst.
After returning to Morocco, he joined Boston Consulting Group in 2019 as an associate. In 2020, he joined Southbridge A&I, a Moroccan strategy consulting firm, as a senior consultant. Between 2021 and 2023, he worked independently as a strategy consultant.
