The Housing Bank for Trade and Finance (HBTF) is a Jordanian bank established in 1973, offering a wide range of banking services including individual, small business, and industrial loans, wire transfers, and investment products[1][3]. Their services cater to individuals, SMEs, and corporate clients across various sectors[1]. HBTF's unique selling proposition is its comprehensive banking solutions, including the Iskan Coins rewards program and specialized mobile banking apps for different age groups[1][3]. Their target audience spans local and international clients, with a focus on community service and customer satisfaction[4].