Keyper’s CEO on enabling a smooth tenant-landlord experience

Keyper is redefining the rental landscape in Dubai with an innovative approach that blends convenience, flexibility, and security for both tenants and property owners. The pioneering platform, designed to simplify rental transactions, is redefining how tenants and landlords engage with the city’s dynamic real estate market.

From the launch of the “Rent now, pay later” (RNPL) model to the development of advanced property management tools, Keyper is shaping the future of real estate in Dubai.

In this interview, Omar Abu Innab, its CEO and co-founder, shares the story behind Keyper’s creation, its market impact, and the exciting developments shaping the platform’s future.

Tell us about the vision behind Keyper and what inspired you to create a platform that caters to both tenants and property owners.

Keyper was born out of a deep understanding of the challenges faced by tenants and landlords in Dubai’s dynamic real estate sector. The vision was clear: create a platform that simplifies the complexities of rental transactions while addressing the needs of both stakeholders through efficiency, transparency, and trust, stemming from personal struggles as both a landlord and renter.

Tenants sought the flexibility of monthly payments to better manage their cash flow, but landlords often insisted on fewer payment cycles for security.

We realised that both parties could benefit from a model that retained landlords’ preferred payment terms—one, two, or 4 payments per year—while offering tenants the option of monthly payments. To make this possible, Keyper takes on the financial risk through advanced tenant screening and data-driven decision-making, ensuring security for landlords without compromising tenant convenience.

The result is a platform that doesn’t just digitise transactions but also redefines the experience of renting and leasing real estate in Dubai. We aim to empower tenants to manage their finances effectively while giving landlords tools to maximize their investment returns.

With Keyper, renting isn’t just a transaction — it’s a seamless, mutually beneficial relationship that reflects the future of real estate in the UAE.

One of Keyper’s standout offerings is the ‘Rent now, pay later’ (RNPL) model. How does this innovative solution address the financial challenges both tenants and property owners face, and how has the response been from the market?

The model is a transformative concept that addresses two key concerns in Dubai’s real estate market: tenants’ desire for financial flexibility and landlords’ need for stable income.

For tenants, Keyper’s RNPL allows monthly rent payments, tenants can align their rental obligations with their monthly salary cycles. Eliminating the strain of large upfront payments, enabling tenants to preserve their savings for other priorities.

For landlords, we offer unparalleled assurance. By maintaining their original payment preferences — whether one annual payment or two or four instalments — they continue to enjoy predictable cash flows. Additionally, Keyper provides an ‘upfront rent’ service, enabling landlords to cash out the entire remaining lease value at any time, offering unmatched liquidity.

To address the inherent risks of monthly payments, we implemented a rigorous tenant screening process that includes income verification through secure open banking. This ensures that only financially capable tenants qualify for RNPL.

The market response has been phenomenal. Over 90 per cent of the over 20,000 RNPL applications have been accepted, underscoring the immense demand for a solution that balances flexibility with reliability.

Notably, tenants who benefit from RNPL often recommend it to others, creating a ripple effect of organic growth. This enthusiasm highlights RNPL’s ability to redefine the relationship between landlords and tenants, making it a cornerstone of Keyper’s mission to modernise real estate in Dubai.

Keyper offers a wide range of tools for property owners, such as automated rent collection and live property valuations. How have these digital solutions changed the way property owners manage their investments, and what impact has this had on the overall real estate market in Dubai?

Keyper’s platform equips property owners with state-of-the-art tools designed to optimise their asset management, providing a level of control and insight that was previously inaccessible.

Features such as automated rent collection, live property valuations, and detailed financial reporting transform the traditionally cumbersome process of managing real estate into a streamlined, digital experience.

Automated rent collection, for instance, not only ensures timely payments but also eliminates administrative burdens. Landlords no longer have to chase tenants or deal with manual processes. Instead, rent is seamlessly debited from the tenant’s account and transferred to the landlord’s, fostering a stress-free rental process. Live valuations give property owners a real-time view of their portfolio’s performance, helping them make informed decisions about the market whether they are leasing or selling.

The ripple effects of these advancements are felt across Dubai’s real estate market. By introducing greater efficiency and transparency, Keyper has instilled confidence among investors, making Dubai a more attractive destination for real estate investments. Furthermore, features like market insights and transaction comparisons empower landlords to stay competitive, adapt to market trends, and maximize their returns. This fusion of technology and strategy is reshaping property management in Dubai, setting new standards for efficiency and professionalism.

As the company grows, Keyper has forged key partnerships within the real estate ecosystem. How have these collaborations strengthened your platform, and what role do they play in the future of real estate in Dubai?

 Collaborations are at the heart of Keyper’s strategy to enhance its platform and contribute meaningfully to Dubai’s real estate ecosystem. Our partnerships with escrow agencies, regulatory bodies, and financial institutions ensure that our platform is not only reliable but also aligned with market standards and government directives.

These collaborations strengthen our offerings in several ways. For instance, working with escrow agencies bolsters trust by safeguarding rental payments, while partnerships with financial institutions enable secure, automated transactions. Additionally, our collaboration with regulatory bodies allows us to align with Dubai’s vision of a paperless economy, ensuring all our transactions are digital, efficient, and environmentally conscious.

Looking forward, these alliances will play a pivotal role in driving transparency and innovation in Dubai’s real estate market. By fostering a network of trusted partners, Keyper aims to create an integrated ecosystem where tenants, landlords, and investors can interact seamlessly. These partnerships not only enhance our platform’s capabilities but also position Keyper as a key player in shaping the future of real estate in the UAE.

Keyper’s marketplace exclusively showcases properties with flexible financial options. How do you see the demand for flexible rental terms evolving in Dubai’s rental market, and how does Keyper plan to further adapt to these shifts?

Flexible rental terms are no longer just a preference — they are becoming a necessity in Dubai’s evolving real estate market. With an increasing number of tenants seeking financial solutions that align with global standards, monthly payment options with Keyper’s RNPL are rapidly gaining traction.

Keyper’s marketplace is uniquely positioned to cater to this demand by exclusively listing RNPL-approved properties, making it easier for tenants to find homes that suit their financial capabilities.

As demand continues to grow, we plan to expand its marketplace offerings by integrating predictive analytics to personalize property recommendations. This will ensure tenants can discover rental options tailored to their needs. Additionally, we are exploring partnerships with new developers and agencies to increase the inventory of RNPL-enabled units, giving tenants more choices and landlords greater exposure.

The demand for flexible rental terms represents a significant shift in tenant expectations, and Keyper remains committed to adapting and evolving alongside these changes. Our focus on tenant-centric solutions and data-driven enhancements ensures that we stay ahead of the curve, consistently meeting the needs of Dubai’s diverse rental audience.

What sets Keyper apart from traditional property management models in the UAE, and what do you believe are the key factors that will drive the continued success and growth of the platform in the years ahead?

A: Keyper distinguishes itself from traditional property management models by offering an entirely digital-first approach, redefining how real estate transactions and management are handled in the UAE. Unlike conventional methods that rely heavily on manual processes and periodic updates, Keyper delivers real-time insights, automated solutions, and comprehensive tools that streamline every aspect of renting and managing real estate.

One of our standout features is the seamless integration of technology into financial processes. Landlords benefit from automated rent collection, live portfolio valuations, and advanced analytics, enabling them to make data-driven decisions without the operational burden of traditional methods. For tenants, our RNPL feature introduces financial ease, transforming the often rigid rental system into one that aligns with their cash flow and lifestyle.

What drives our growth is our ability to adapt to market needs and anticipate future demands. By staying attuned to tenant and landlord preferences, we ensure our platform evolves to meet emerging challenges. For example, our strong focus on tenant screening not only reassures landlords but also enhances the quality of the tenant-landlord relationship. Furthermore, our ability to foster collaborations with stakeholders, from real estate developers to regulatory bodies, ensures that Keyper remains a trusted and innovative partner in the UAE’s real estate landscape.

Keyper’s long-term success will also hinge on our commitment to transparency, efficiency, and sustainability. By continuing to refine our platform with cutting-edge technology and building on the trust we’ve cultivated with users, we aim to lead the Proptech transformation in the UAE and set a benchmark for digital property management globally.

What are some of the most exciting developments or features Keyper is working on to further enhance the experience for both tenants and property owners in the UAE?

The future at Keyper is brimming with exciting advancements aimed at further enhancing the experience for both tenants and property owners. One of our primary focuses is expanding the capabilities of our RNPL model. We are developing enhanced financial tools for tenants, including tailored payment plans and predictive rent analytics, which will provide greater financial control and insight.

For property owners, we are revolutionising portfolio management by introducing an expanded dashboard that offers even more granular data on property performance. This includes detailed transaction histories, market trend analysis, and predictive valuation models to help landlords optimize returns. In addition, we’re working on integrating advanced property lifecycle management tools that will allow owners to track maintenance schedules, refurbishment costs, and occupancy trends in a single, intuitive interface.

Another exciting area of development is our marketplace expansion. By onboarding more RNPL-compatible real estate and partnering with leading developers, we aim to provide tenants with a broader range of options while boosting visibility for landlords. We’re also exploring AI-driven personalization to ensure that both tenants and landlords receive recommendations tailored to their specific needs and goals.

Moreover, our strategic collaborations with Dubai’s regulatory bodies mean we’re actively participating in the government’s push toward digitization. From paperless transactions to blockchain-enabled lease agreements, Keyper is at the forefront of these innovations, ensuring our platform aligns with the UAE’s vision of a sustainable, tech-enabled economy. These advancements promise to elevate the Keyper experience and reinforce our position as a leader in the proptech revolution.

Given the rapid growth of the prop-tech sector, how do you view the future of technology in real estate, and what role do you see Keyper playing in shaping that future in the UAE and beyond?

A: The future of technology in real estate is poised to be transformative, with digital tools and data-driven strategies becoming the norm across the industry. As proptech continues to evolve, we foresee increased reliance on automation, AI, and blockchain to bring greater transparency, efficiency, and personalization to real estate transactions and management.

We are not just adapting to this future — we are actively shaping it. By embracing cutting-edge technologies like Open Banking integrations for tenant screening and AI-driven analytics for market insights, we are setting new standards in the way real estate is rented and managed. Our focus on tenant-centric models, such as RNPL, and landlord-friendly tools, like upfront rent options, ensures that both sides of the market benefit from this technological shift.

Looking beyond the UAE, Keyper’s model has immense potential for global application. Cities around the world face similar challenges of affordability, transparency, and operational efficiency in real estate. By leveraging our expertise and proven success in Dubai, we aim to export our solutions to other markets, adapting them to local needs while maintaining the core values of flexibility, reliability, and innovation.

Keyper’s role in shaping the future of real estate will be defined by our ability to foresee industry shifts and respond proactively. Whether it’s adopting emerging technologies, forming strategic alliances, or continually enhancing our platform, our commitment to leading the digital transformation of real estate remains steadfast.

By staying ahead of trends and prioritising user needs, we aim to solidify our position as a global proptech pioneer.