Built for businesses that care about service.

Turn everyday service moments into live feedback and recognition that truly matter.

JOIN THE MOVEMENT
The New Era of Digital Appreciation

Meet Shukur.

Great service deserves more. Too often, it gets less. Shukur changes that. One tap delivers instant appreciation, enabled by your Shukur bank account and debit card, powered by Ruya.

*terms and conditions apply

Reviews

Get recognised for great service. Customers can rate and review instantly. No awkward requests. No chasing feedback.

Tips

In a cashless world, make tipping feel personal again. With a simple tap, customers can tip instantly with no app needed.

Payments

All earnings, connected. From tips to payroll  in one bank account with debit card that provides full financial access and control.

Rewards

A community built on recognition and connection. Deliver exceptional service and unlock rewards that elevate workforces.

Customer Reviews

BEFORE

A guest loves their visit but leaves without posting a review.

Your 5-star opportunity vanishes, and you never know which staff member provided that experience.

Earned Tips

BEFORE

A grateful customer wants to tip, but has no cash.

That awkward moment begins. No cash, no tip, the moment passes, and appreciation is missed.

Recognition & Engagement

BEFORE

Your top employee leaves for another job after feeling unrecognized.

It costs $5,800 to replace them, and customer satisfaction dips during training.

Payments & Performance

BEFORE

Payments, tips, and payroll work, but reconciling them is the real headache.

Fragmented systems for payments, tips, and payroll create friction, higher costs, and inefficiency.

WITH SHUKUR

That same customer taps a server's wristband or standalone device.

Your venue receives a positive review, the server is recognised instantly, and with seamless Google Reviews integration, ratings improve.

WITH SHUKUR

That same customer taps a wristband to instantly send a tip.

Receive app-free tips via Apple, Google, or Samsung Pay. With customisable tipping pools, tips are captured instantly and distributed fairly. Great service - recognised!

WITH SHUKUR

That same employee gains real-time recognition with Shukur L.I.V.E.

L.I.V.E. unites Lifestyle, Inclusion, Value, and Engagement through social recognition, stories, and rewards that elevate wellbeing and employee engagement.

WITH SHUKUR

Accept customer payments and tips, and manage payroll with ease.

One system for payments, tips, and payroll reduces overhead friction, ensures accuracy, and connects service activity to measurable commercial outcomes.

Verified reviews. Built into service.

In the moment of great service, capture feedback and
Google Reviews instantly. No QR codes. No reminders.

REGISTER YOUR INTEREST
Willow Bay Hotel
4.9
Fleet Fix
4.5
Soleil Restaurant
4.8
Basil & Thyme
4.7
Roam & Board
4.5

The Impact.

up to -40%
employee turnover reduction
up to 10x
MORE actionable SERVICE INSIGHTS
up to +30%
Growth in tip volume
up to 3x
review capture rate
up to +25%
Increase in customer satisfaction

Our Partners

Enterprise-ready.

Seamless onboarding

Integrated payments

Performance reporting

Instant IBAN and debit card issuance

WPS compliant payroll

JOIN THE MOVEMENT
MEET

The Visionaries Behind LiveFi

Industry experts with experience in fintech, blockchain technology, and service operations.

Shad
cto

15 + years working within the tech sector enables Shad to bring the firepower to our development and tech arm of LiveFi that keeps us moving.

Shad
cto

15 + years working within the tech sector enables Shad to bring the firepower to our development and tech arm of LiveFi that keeps us moving.

Shad
cto

15 + years working within the tech sector enables Shad to bring the firepower to our development and tech arm of LiveFi that keeps us moving.

shukur ecosystem

Built for the people who power the UAE.

Underpinned by key UAE leadership programs, Shukur celebrates and promotes service excellence, financial inclusion, and stronger community connections.

Reviews
Payments
Tips
Lifestyle
The review system that captures feedback at the exact moment it happens with the person who made it happen. Not just the business.
In-the-Moment Reviews

Feedback is captured while the experience is still fresh, not hours or days later.

Verified Service Interactions

Reviews are tied to real service moments, linked to both the employee and the venue.

Google Reviews Integration

Customers can seamlessly publish feedback to Google Reviews at the time of service - no QR cards or follow-ups.

Higher Review Capture Rates

Removing friction increases the likelihood of customers leaving genuine feedback.

Actionable Reputation Insights

Predict satisfaction trends, highlight top performers, and optimize service delivery.

AI-powered insights

Predict satisfaction trends, highlight top performers, and optimize service delivery with advanced analytics and personalized recommendations

A service-first payments system that empowers businesses and serves those who serve others.
One system, less friction.

Payments, tips, and payroll flow through a single platform, simplifying reconciliation and reducing overhead.

Everyday spend, enabled.

Bank account and debit card give service staff improved access to earnings for online, in-store, and ATM withdrawals.

Performance you can act on.

Live reporting links payment activity to service performance, enabling smarter insights and commercial outcomes.

Providing better financial access.

Designed to support businesses and their un(der)banked workers, strengthening pathways to inclusion and upward mobility.

Scales with your business.

Shukur adapts from single locations to multi-site enterprises, delivering payment capabilities without disruption.

AI-powered insights

Predict satisfaction trends, highlight top performers, and optimize service delivery with advanced analytics and personalized recommendations

In a cashless world, tipping should feel personal, immediate, and rewarding. Not awkward, forgotten, or missed.
Personal tipping made easy, without cash.

A simple app-free tap brings back the personal moment of thanks. Personal, instant, and secure tipping, restored.

A signal of performance, made visible in real-time.

Tip activity becomes a real-time performance data point, reflecting service quality and customer sentiment.

Embedded via wristbands or standalone POS devices.

Capture tips at the exact point of service, seamlessly embedded into the customer journey, recognising front-facing and unseen service teams.

Multi-site, multi-department, multi-role visibility.

Easily set up tipping pools and track service performance across departments, shifts, and locations with precision.

Fully configurable to your existing tipping policy.

Supports even splits, role-based weighting, or contribution-based distribution across teams and departments.

AI-powered insights

Predict satisfaction trends, highlight top performers, and optimize service delivery with advanced analytics and personalized recommendations

A movement with purpose turning recognition into reward, performance into play, and connection into community.
A community for recognition, stories, and moments.

Shukur L.I.V.E. celebrates great service, encourages peer recognition, and builds collective pride around service excellence, for a more connected UAE.

Designed to motivate and recognise effort without pressure.

Work becomes engaging and rewarding through gamified performance tracking, turning everyday service into moments of achievement.

Promoting financial inclusion. Banking the un(der)banked.

By capturing previously missed value and increasing earnings visibility, Shukur provides frontline workers with real financial access, control, and security.

Unlock meaningful rewards that go beyond the everyday.

From everyday effort to life-changing rewards, unlock meaningful incentives, from prizes to salary-transfer promotions, elevating happiness and well-being.

As the community grows, so does shared opportunity.

Invite others to join Shukur and be rewarded. Refer & Earn, and help shine a light on everyday service heroes to elevate the roles that often go unseen.

AI-powered insights

Predict satisfaction trends, highlight top performers, and optimize service delivery with advanced analytics and personalized recommendations

Reviews

The review system that captures feedback at the exact moment it happens with the person who made it happen. Not just the business.
In-the-Moment Reviews
Feedback is captured while the experience is still fresh, not hours or days later.
Verified Service Interactions
Reviews are tied to real service moments, linked to both the employee and the venue.
Google Reviews Integration
Customers can seamlessly publish feedback to Google Reviews at the time of service - no QR cards or follow-ups.
Higher Review Capture Rates
Removing friction increases the likelihood of customers leaving genuine feedback.
Actionable Reputation Insights
Predict satisfaction trends, highlight top performers, and optimize service delivery.

Payments

A service-first payments system that empowers businesses and serves those who serve others.
Everyday spend, enabled.
Payments, tips, and payroll flow through a single platform, simplifying reconciliation and reducing overhead.
Verified Service Interactions
Bank account and debit card give service staff improved access to earnings for online, in-store, and ATM withdrawals.
Performance you can act on.
Live reporting links payment activity to service performance, enabling smarter insights and commercial outcomes.
Providing better financial access.
Designed to support businesses and their un(der)banked workers, strengthening pathways to inclusion and upward mobility.
Scales with your business.
Shukur adapts from single locations to multi-site enterprises, delivering payment capabilities without disruption.

Tips

In a cashless world, tipping should feel personal, immediate, and rewarding. Not awkward, forgotten, or missed.
Personal tipping made easy, without cash.
A simple app-free tap brings back the personal moment of thanks. Personal, instant, and secure tipping, restored.
A signal of performance, made visible in real-time.
Tip activity becomes a real-time performance data point, reflecting service quality and customer sentiment.
Embedded via wristbands or standalone POS devices.
Capture tips at the exact point of service, seamlessly embedded into the customer journey, recognising front-facing and unseen service teams.
Multi-site, multi-department, multi-role visibility.
Easily set up tipping pools and track service performance across departments, shifts, and locations with precision.
Fully configurable to your existing tipping policy.
Supports even splits, role-based weighting, or contribution-based distribution across teams and departments.

Lifestyle

A movement with purpose turning recognition into reward, performance into play, and connection into community.
A community for recognition, stories, and moments.
Shukur L.I.V.E. celebrates great service, encourages peer recognition, and builds collective pride around service excellence, for a more connected UAE.
Designed to motivate and recognise effort without pressure.
Work becomes engaging and rewarding through gamified performance tracking, turning everyday service into moments of achievement.
Promoting financial inclusion. Banking the un(der)banked.
By capturing previously missed value and increasing earnings visibility, Shukur provides frontline workers with real financial access, control, and security.
Unlock meaningful rewards that go beyond the everyday.
From everyday effort to life-changing rewards, unlock meaningful incentives, from prizes to salary-transfer promotions, elevating happiness and well-being.
As the community grows, so does shared opportunity.
Invite others to join Shukur and be rewarded. Refer & Earn, and help shine a light on everyday service heroes to elevate the roles that often go unseen.

Interested in life with Shukur?

OPEN AN ACCOUNT TODAY