Credit is entering a pivotal new era. As customer expectations shift, regulations tighten, and digital ecosystems expand, banks are rethinking how credit should be built, delivered, and managed. The next generation of credit won’t be defined by interest rates or loan sizes — b…
Small and medium-sized enterprises (SMEs) drive over 90% of global businesses - yet face a financing gap of $5.7 trillion. For banks, that gap isn’t just a challenge; it’s a massive opportunity to build the next era of business banking.
Commercial payments globally today are seeing a major transformation. Studies show that businesses that adopted commercial payments saw a 132% ROI in just three years. Commercial cards alone reduced Days Sales Outstanding (DSO) from 45 days to 15 days while improving debt coll…
The financial services industry is at a critical turning point. APIs are now driving 40% of revenue growth in financial institutions across the globe by enabling cross-platform integrations and personalised services. This shift is powering an era where banks and financial inst…
For years, B2B payments in the MENA region have lagged behind consumer payments. While retail transactions are rapidly digitizing, B2B payments remain fragmented, inefficient and burdened by legacy processes. The result? Delayed settlements, high costs, and manual reconciliati…
In the Middle East, the race to harness AI is intensifying. AI is set to add $320 billion to MENA’s economy by 2030, with Saudi Arabia alone contributing $135 billion. With AI adoption growing at 20-34% annually, banks and fintechs are rapidly evolving their lending strategies…
As the leading enabler of embedded finance in MENA, we’ve witnessed firsthand how financial services are becoming increasingly and seamlessly integrated into everyday customer experiences. Globally, the embedded finance market was valued at $82.7 billion in 2023 and is project…
Saudi Arabia's traditional banks are strategically adapting to the evolving financial landscape driven by technological advancements in line with Saudi Arabia’s Vision 2030. With a prominent lineup of banks in the region, including Al Rajhi Bank, Riyad Bank, and Saudi British…
The world around us is changing rapidly. Across all industries, sectors, and geographies, digital technologies create new business models and enhance customer experience.
