ZendaThe fintech app making school fees flexible

School fee financing sounds unglamorous until you consider the economics: UAE private school fees range from AED 20,000 to 100,000+ annually, parents struggle with lump-sum payments, and schools face persistent collection issues. Zenda sits at the intersection of fintech and edtech, addressing friction on both sides.

The 300+ school network gives Zenda distribution that would be expensive to replicate. The risk is credit quality during downturns, when families most likely to use installments are also most likely to default. Geographic expansion to India, where the private education market is orders of magnitude larger, could be transformative.