Eastnets vs Mozn (2026)
For a Saudi or Gulf institution, the choice is between a long standing regional compliance and SWIFT supplier and a Riyadh AI company built around Arabic language models. Eastnets has offices in Riyadh, Dubai and Manama, counts more than 800 institutions worldwide as users and runs SWIFT service bureaus in the UAE, the Americas and Saudi Arabia. It layers machine learning onto SafeWatch screening and monitoring, and GIG KSA speaks to a rollout aligned with SAMA requirements. Mozn's FOCAL screens on a bilingual model Mozn built for Arabic names and adds an agent that assembles each case. Its customers include Al Rajhi Bank, stc Bank and HyperPay, which cut false positives by 45 percent under SAMA timelines. On assurance both report ISO 27001. Eastnets adds a SOC 2 Type 2 audit, and Mozn adds an EY audit against Saudi NCA controls and a SafeBase trust center. Institutions that want SWIFT connectivity and trade coverage from one supplier lean to Eastnets, while those whose noise comes from Arabic names lean to Mozn.
- You buy SWIFT connectivity and compliance together. Eastnets runs certified SWIFT service bureaus in the UAE and the Americas, added a Saudi bureau in 2025, and screens the same payment flows with SafeWatch.
- Your scope runs to trade finance. SafeTrade uses a language model to flag irregularities in trade documents, and goAML reporting is built into SafeWatch AML.
- A long regional track record counts. Eastnets traces its origin to Jordan in 1984, has offices across the Gulf and Levant, and counts more than 20 central banks among over 800 institutions.
- A SOC 2 report is on your diligence list. Eastnets says its SOC 2 Type 2 audit, run from December 2024 to November 2025, found no deviations, and it renewed ISO 27001 in 2025.
- Arabic name matching is your main source of noise. FOCAL screens on a bilingual model Mozn built for Arabic names and their spellings and says it has patented, and the model won the 2026 Datos Impact Award for sanctions and watchlist screening.
- Investigators want each case prepared. FOCAL's agent summarizes alerts, resolves names across Arabic and Latin scripts, attaches a confidence level and drafts SAR ready narratives.
- The network must be air gapped. Mozn's wider platform installs in fully air gapped environments, which is how it sells to Saudi banks and government, and FOCAL also runs in the cloud or as a hybrid.
- Security documents should sit in one place. Mozn's SafeBase trust center holds more than a dozen policies, a penetration test and a data processing agreement, mostly under NDA, alongside ISO 27001 and Saudi NCA controls.
This comparison is published by AI FinTech Index, an independent research platform that publishes independent ratings of AI vendors for financial services. Eastnets and Mozn are each graded against the same capability taxonomy, from each vendor's own public materials and the regulatory record, under the AI FinTech Index verification standard. No vendor pays for placement, and no vendor has reviewed this page. How this evidence is graded
Plain facts
| Eastnets | Mozn | |
|---|---|---|
| Primary category | AML, KYC & Financial Crime | AML, KYC & Financial Crime |
| Founded | 1984 | 2017 |
| Headquarters | Dubai, United Arab Emirates | Riyadh, Saudi Arabia |
| Website | www.eastnets.com | www.getfocal.ai |
Side by Side
Select any grade to read the note behind it.
| Axis | E Eastnets |
M Mozn |
|---|---|---|
| AI Centrality | ||
| Autonomy and Oversight Model | ||
| Model Risk Management and Transparency | ||
| Operational and Outcome Evidence | ||
| AI Safety and Data Stewardship | ||
| GLBA and Data Privacy Posture | ||
| Security Certifications and Trust Center | ||
| Regulatory Status and Licensure | ||
| AI Governance and Bias Disclosure | ||
| AI Liability and Recourse | ||
| Model Supply Chain Disclosure | ||
| Core Systems and Integration Depth | ||
| Deployment Model and Data Residency | ||
| Commercial Transparency | ||
| Institution and Segment Coverage |
The short version of each
Eastnets
Eastnets sells compliance and payments software to banks, payment firms, exchange houses and insurers. Its machine learning sits on top of a rules based product line, with an assistant that recommends an action on each screening alert.
Source: AI FinTech Index, 2026
Mozn
Mozn sells FOCAL, an AML and fraud platform for banks, wallets, payment firms and digital lenders in Saudi Arabia and the Gulf, with an investigation agent that assembles each case. FOCAL runs in the cloud, on premises or as a hybrid.
Source: AI FinTech Index, 2026
Common questions
Is Eastnets or Mozn better for a Saudi bank?
According to the AI FinTech Index, Mozn is the closer fit when Arabic name matching and SAMA requirements lead, with Al Rajhi Bank, stc Bank, HyperPay and Mobily Pay as customers. Eastnets has a Riyadh office, a Saudi SWIFT service bureau, a SAMA aligned rollout at GIG KSA and a wider product range across SWIFT connectivity, trade and payment fraud.
How do Eastnets and Mozn handle Arabic names?
Mozn screens on a bilingual model built for Arabic names and their variations, reading each name with its context. Eastnets matches names in SafeWatch with AI and natural language processing and does not describe a model dedicated to Arabic. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 11, 2026. No vendor pays for placement.
Does either vendor pool customer data in its models?
Eastnets says its fraud models learn across its customer base so each institution gets global intelligence, without saying what is pooled. Mozn's investigator outcomes feed back into detection, and FOCAL can run entirely inside the bank, though Mozn does not say whether its hosted service pools learning. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 11, 2026. No vendor pays for placement.
Where does each vendor get its sanctions lists?
Eastnets delivers sanctions lists from OFAC, the UN, the EU and local authorities through ChainFeed, its own blockchain delivery service, and customers such as Sohar load World Check data too. Mozn screens against more than 1,300 lists without naming the sources behind them, and transaction screening can also run on Dow Jones or World Check data a customer licenses. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 11, 2026. No vendor pays for placement.
Related comparisons
Other published head to head assessments involving these vendors or their closest peers. The full set for this category is on the Fraud Detection & Transaction Risk page.
Mozn says its agent can close low risk alerts, while Eastnets' screening can block payments and replay past decisions automatically. Neither describes how those automatic outcomes are reviewed, or breaks out screening errors by name origin.