{"id":15645,"date":"2022-07-07T00:00:00","date_gmt":"2022-07-07T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/digital-future-for-saudi-financial-services-6\/"},"modified":"2026-05-12T14:12:18","modified_gmt":"2026-05-12T14:12:18","slug":"digital-future-for-saudi-financial-services-6","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/","title":{"rendered":"Futuro digital para los servicios financieros saud\u00edes"},"content":{"rendered":"

\"\"The financial services sector in Saudi Arabia is undergoing a dramatic transformation. \u00a0As one of 12 \u2018realization programs\u2019 of the Vision 2030<\/a> national development strategy, it has been earmarked as a priority sector to underpin progress towards the country\u2019s ambitious objectives.<\/p>\n

\"\"According to Vision 2030, the aim of the Financial Services Development Program (FSDP<\/a>) is to \u201cdevelop a diversified and effective financial sector to support the development of the national economy, diversify its sources of income, and stimulate savings, finances and investments.\u201d<\/p>\n

Abdul Latif Jameel Finance<\/a> has been active in Saudi Arabia for over 43 years, since 1979, and is one of the companies helping to drive change in this dynamic market.<\/p>\n

We spoke to Dr. Khalid Al Karimy<\/a>, CEO of Abdul Latif Jameel Finance in Saudi Arabia, about the development of the Saudi financial services sector, his plans for the business, and opportunities for growth.<\/p>\n

\"\"

Dr. Khalid Al Karimy<\/p>\n

Chief Executive Officer<\/p>\n

Abdul Latif Jameel Finance, Saudi Arabia<\/p><\/div>\n

How long have you been with Abdul Latif Jameel?<\/h2>\n

KK: <\/strong>I joined Abdul Latif Jameel Finance in 2009. I played different roles since joining from being the Director of HR, to the Managing Director of support services, including HR, IT, and administration services. Two years after that, I became the Chief Operating Officer. In January this year, I assumed the role of Chief Executive Officer.<\/p>\n

How much did you know of Abdul Latif Jameel Finance before joining the business?<\/h2>\n

KK: <\/strong>Abdul Latif Jameel is one of the most famous family brands in Saudi Arabia \u2013 a true household name \u2013 so, of course, I knew the name and reputation, but I didn\u2019t understand the full scale of the business.<\/p>\n

I knew about the Toyota distribution business and some of the social and community activities, like Bab Rizq Jameel.<\/p>\n

I also knew a little about the finance side but didn\u2019t realize it was a separate and such a major company in its own right.<\/p>\n

What attracted you to the opportunity?<\/h2>\n

KK: <\/strong>Actually, there were two things.\u00a0 The prestige of the Abdul Latif Jameel brand in general, and more specifically, the opportunity to develop my career in the rapidly growing financial services sector, particularly given my previous experience at the IDB.<\/p>\n

How has the consumer finance market in Saudi Arabia developed in recent years?<\/h2>\n

KK: <\/strong>The consumer finance market in Saudi Arabia has grown very rapidly in the last few years. \u00a0Going back some time, it used to be a very traditional market. \u00a0Banks were the largest players and dominated the market. \u00a0Gradually, a few new players started to enter the market, including Abdul Latif Jameel Finance. \u00a0This change has gained much more momentum in the last five years. \u00a0Vision 2030 sets out an ambitious vision for the expansion and of the country\u2019s financial services sector, and the transformation is already happening. \u00a0A lot of smaller companies, Fintech companies, have emerged and have been winning market share. \u00a0Banks have responded by investing in their own digital offerings. \u00a0It\u2019s a very dynamic situation at the market and has witnessed a huge shift in the last few years and it is only accelerating.<\/p>\n

What are the biggest areas of growth?<\/h2>\n

KK: <\/strong>I see two key areas that are driving growth in the market.\u00a0 One is \u2018cash finance\u2019.\u00a0 There are multiple Fintechs now offering financial solutions to consumers.\u00a0 We have seen significant growth in people, particularly those who are unbanked, accessing finance this way.<\/p>\n

The second big area of expansion is SME (small and medium enterprise) finance, which is an area that Abdul Latif Jameel Finance is particularly active in.\u00a0 Growth here is probably outstripping growth in consumer finance.\u00a0 Traditionally, SME finance was an underdeveloped segment in Saudi Arabia.\u00a0 The big banks had such bureaucratic application processes that it was hard for SMEs to access funding in this way. \u00a0Most SME finance came from friends and family instead, but that is rapidly transforming .<\/p>\n

\"\"The government has taken steps to modernize the market.\u00a0 It has made it easier to check the financial performance of SMEs and created a number of organizations, including a bank, to provide funds.\u00a0 They also updated the \u2018Kafala program\u2019<\/a> \u2013 which means \u2018guarantor\u2019 in English \u2013 to strengthen certainty and flexibility around loan repayments.<\/p>\n

We are very interested in this market because there is massive potential. \u00a0This is where we think our largest share of growth is going to come from.\u00a0 Most Fintechs are on the consumer side.\u00a0 They are not so interested in SMEs.\u00a0 We are the first in the market to offer a risk management module for SMEs that is completely automated.\u00a0 We’re working on an automated onboarding process, too.\u00a0 Once we launch this, we might be the first company to offer a complete, seamless digital experience for SMEs to access finance.<\/p>\n

Fintechs have disrupted the financial services market across the globe. \u00a0How vibrant is the Saudi Fintech market?<\/h2>\n

KK: <\/strong>Fintechs have transformed the Saudi market.\u00a0 There are Fintechs now in virtually every area: personal loans, payment processing, insurance, and so on.\u00a0 Larger players have also entered the market, like telecoms companies providing e-wallets and credit cards, things like that.\u00a0 Banks have followed suit by offering their own digital applications and platforms.<\/p>\n

\n

At Abdul Latif Jameel Finance, we\u2019ll soon be launching our new digital cash loan app, which automates the whole process.\u00a0 The consumer can download the app, apply, and receive a loan in a few minutes. \u00a0We are also launching a point-of-sale \u2018buy now pay later\u2019 (BNPL) product, so consumers can buy from one of our partners.\u00a0 Again, it will be a seamless, frictionless, friendly experience that we hope will delight customers.<\/p>\n<\/blockquote>\n

How popular are Fintechs \u2013 and digital services in general \u2013 in Saudi Arabia?<\/h2>\n

KK: <\/strong>The use of digital technology in financial services is proving to be very popular.\u00a0 I think this has to do with the nature of the population in Saudi Arabia.\u00a0 We have a very young population; very technology-savvy. \u00a0Saudi Arabia is one of the biggest markets in the world for Twitter, for example.\u00a0 Saudis love technology. \u00a0They just love the idea of getting something through their mobile app.\u00a0 They are tired of bricks and mortar experiences.\u00a0 This is obviously a huge advantage for Fintechs.<\/p>\n

\"\"<\/p>\n

Another advantage is the attitude of the regulator.\u00a0 The Central Bank of Saudi Arabia<\/a> is very supportive of Fintechs.\u00a0 It has a \u2018sandbox\u2019 for Fintechs to operate through.\u00a0 This provides a very attractive business environment, like an incubator for Fintechs, where regulations and bureaucracy are less onerous.<\/p>\n

What has been the traditional position of Abdul Latif Jameel Finance in Saudi Arabia, and how is that changing?<\/h2>\n

KK: <\/strong>We used to be a traditional point-of-sale auto-finance company, nothing more.\u00a0 Around 20 years ago, we also started providing finance for consumer products, too, like home appliances, but didn\u2019t go any further.\u00a0 In the last couple of years, we have been focusing on the SME market and investing in our proposition there, like cash financing, point-of-sale financing, contract and invoice financing, with a lot more to come.<\/p>\n

\"\"

Pictured left-to-right: Mohammed Abduljabbar \u2013 Director of Compliance, Fahad Krimli \u2013 Head of Associate Care and Administrative Services, Dr. Khalid Al Karimy \u2013 Chief Executive Officer, Medhat Abdrabboh \u2013 Director of Operations, Badr Basouki \u2013 Director of Operations<\/p><\/div>\n

We are also exploring merger and acquisition opportunities to strengthen our position in the market.\u00a0\u00a0 The first of these is with Abdul Latif Jameel Real Estate Finance<\/a>, which provides mortgages, and also Bab Rizq Jameel Microfinance<\/a>, which has a strong customer base among start-ups and SMEs.\u00a0 These will augment our current business and give us a leap into the future.\u00a0 It will enable us to expand the services we offer, allow us to cross-sell different products and move us towards becoming a one-stop-shop for finance, as well as boosting our experience in technology.\u00a0 We also have some other opportunities in the pipeline.<\/p>\n

How important are digitization and technology to help you achieve your growth objectives?<\/h2>\n

KK: <\/strong>Without digitalization, we cannot do any of this.\u00a0\u00a0 But it\u2019s about more than technology alone.\u00a0 It’s also about the mindset of people. \u00a0This is what we’re working on, really transforming these three companies and their people to think digitally.\u00a0 This applies both internally, in terms of our own processes, and externally, in terms of the customer experience.\u00a0 In some ways, I consider technology and digitalization to be our core business, rather than finance.\u00a0 Digital comes first, and whatever we want to do in our business model comes second.<\/p>\n

What changes do you expect to see in the financial services market over the next few years, and what will it mean for Abdul Latif Jameel Finance?<\/h2>\n

KK: <\/strong>The financial sector in Saudi Arabia is expected to see exponential growth.\u00a0 First, the economy is growing, and financial services are the backbone of the economy.\u00a0 Second, there is still a very large proportion of unbanked consumers to tap into.\u00a0 Traditionally, banks have found it difficult to engage these consumers.\u00a0 But Fintechs and these new digital platforms, like our own, are making it easier to reach these people and turn them into customers.<\/p>\n

\"\"

Dr. Khalid Al Karimy, Chief Executive Officer, Abdul Latif Jameel Finance, at his office in Jeddah, Saudi Arabia<\/p><\/div>\n

Finally, towards the end of this year or early next, the government is launching a new \u2018open banking\u2019 platform, which will contain all a customer\u2019s financial data.\u00a0 Previously, this information belonged to the banks and only they could access it, but now all finance providers will be able to access it.\u00a0 This will really level the playing field between large incumbents and smaller, more nimble providers increasing consumer choice and offering a commercial advantage to those who offer the best, most comprehensive, and most convenient services \u2013 it will become a true relationship with the customer.<\/p>\n

The banks will not sit still and watch their market share being eroded.\u00a0 Can smaller players like Abdul Latif Jameel Finance compete against the big banks?<\/h2>\n

KK: <\/strong>That’s a very good question.\u00a0 My belief is that banks are not going to be able to strongly compete in the digital world because of two main reasons.\u00a0 Number one, agility \u2013 they have huge legacy systems and business models to consider.\u00a0 They can\u2019t simply change direction overnight.\u00a0 They are like supertankers.\u00a0 Even if they wanted to change direction, it’s going to take them ages to move.\u00a0 Number two is that I don\u2019t believe banks in Saudi Arabia have yet fully realized just how \u2018dangerous\u2019 Fintechs are to their businesses.\u00a0 They have enjoyed a hugely privileged position in the market \u2013 and still do.\u00a0 All salaried employees in the country must have a bank account for their salary to be paid into, for example.\u00a0 So, the banks are used to having this large default customer base they can sell other products to.\u00a0 Open banking is going to change all that.\u00a0 It’s going to be very easy for consumers to move from one bank to another, from one provider to another.<\/p>\n

Having said that, banks are changing.\u00a0 They are investing in digital and offering better services, but I don\u2019t think, in the medium term at least, they can match the digital capabilities, focus or flexibility of the Fintech and smaller more nimble providers like Abdul Latif Jameel Finance.<\/p>\n

\"ALJ<\/p>\n

What are your objectives for Abdul Latif Jameel Finance?<\/h2>\n

KK: <\/strong>We have an aggressive growth strategy for the next few years, particularly on the digital side.\u00a0 One of the main things we\u2019ve done is to create a dedicated digital innovation business within Abdul Latif Jameel Finance.\u00a0 It\u2019s a business within a business, with its own targets, strategies and P&L, focused solely on how we can use technology to improve our offering and attract more customers.\u00a0 A key area for us will be SMEs and how we can meet all<\/u> their financial needs in one relationship.<\/p>\n

In addition, we’re still going to do some of the activities that we do now, but completely online, which might mean we need to consolidate our physical presence in branches. \u00a0Whatever we do, the objective is the same: to make it as simple, quick and satisfying as possible for customers to use our services and access our products.\u00a0 It is a journey that will never cease, but one we are fully committed to.<\/p>\n","protected":false},"featured_media":15618,"menu_order":0,"template":"","class_list":["post-15645","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nFuturo digital para los servicios financieros saud\u00edes - Abdul Latif Jameel<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Futuro digital para los servicios financieros saud\u00edes - Abdul Latif Jameel\" \/>\n<meta property=\"og:description\" content=\"The financial services sector in Saudi Arabia is undergoing a dramatic transformation. \u00a0As one of 12 \u2018realization programs\u2019 of the Vision 2030 national development strategy, it has been earmarked as a priority sector to underpin progress towards the country\u2019s ambitious objectives. According to Vision 2030, the aim of the Financial Services Development Program (FSDP) is […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-12T14:12:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-evening.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1467\" \/>\n\t<meta property=\"og:image:height\" content=\"825\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/\",\"url\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/\",\"name\":\"Futuro digital para los servicios financieros saud\u00edes - Abdul Latif Jameel\",\"isPartOf\":{\"@id\":\"https:\/\/10.0.2.222\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-evening.jpg\",\"datePublished\":\"2022-07-07T00:00:00+00:00\",\"dateModified\":\"2026-05-12T14:12:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/#primaryimage\",\"url\":\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-evening.jpg\",\"contentUrl\":\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-evening.jpg\",\"width\":1467,\"height\":825},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/digital-future-for-saudi-financial-services-6\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/10.0.2.222\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Futuro digital para los servicios financieros saud\u00edes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/10.0.2.222\/en\/#website\",\"url\":\"https:\/\/10.0.2.222\/en\/\",\"name\":\"Abdul Latif Jameel\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/10.0.2.222\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Futuro digital para los servicios financieros saud\u00edes - Abdul Latif Jameel","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"es_ES","og_type":"article","og_title":"Futuro digital para los servicios financieros saud\u00edes - Abdul Latif Jameel","og_description":"The financial services sector in Saudi Arabia is undergoing a dramatic transformation. \u00a0As one of 12 \u2018realization programs\u2019 of the Vision 2030 national development strategy, it has been earmarked as a priority sector to underpin progress towards the country\u2019s ambitious objectives. 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Como uno de los 12 \u201cprogramas de realizaci\u00f3n\u201d de la estrategia de desarrollo nacional <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision 2030<\/a>, se ha designado como sector prioritario para respaldar el progreso hacia los ambiciosos objetivos del pa\u00eds.<\/p>\r\n<p><img class=\"alignleft size-full wp-image-100292\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/FSDP-Logo.png\" alt=\"\" width=\"249\" height=\"121\" \/>Seg\u00fan Vision 2030, el objetivo del Programa de Desarrollo de Servicios Financieros (Financial Services Development Program,<a href=\"https:\/\/www.vision2030.gov.sa\/v2030\/vrps\/fsdp\/\">FSDP<\/a>) es \u201cdesarrollar un sector financiero diversificado y eficaz para apoyar el desarrollo de la econom\u00eda nacional, diversificar sus fuentes de ingresos y estimular los ahorros, las finanzas y las inversiones\u201d.<\/p>\r\n<p><a href=\"https:\/\/www.aljfinance.com\/index.aspx\">Abdul Latif Jameel Finance<\/a> lleva m\u00e1s de 43\u00a0a\u00f1os activo en Arabia Saud\u00ed, desde 1979, y es una de las empresas que ayuda a impulsar el cambio en este mercado tan din\u00e1mico.<\/p>\r\n<p>Hablamos con el <a href=\"https:\/\/alj.com\/en\/our-people\/dr-khalid-d-al-karimy\/\">Dr. Khalid Al Karimy<\/a>, director general de Abdul Latif Jameel Finance en Arabia Saud\u00ed, sobre el desarrollo del sector de servicios financieros saud\u00ed, sus planes para el negocio y las oportunidades de crecimiento.<\/p>\r\n\r\n[caption id=\"attachment_96464\" align=\"alignleft\" width=\"232\"]<img class=\"size-medium wp-image-96464\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\" alt=\"\" width=\"232\" height=\"300\" \/> Dr. Khalid Al Karimy<br \/>\r\nDirector general (CEO)<br \/>\r\nAbdul Latif Jameel Finance, Arabia Saud\u00ed[\/caption]\r\n\r\n<h2>\u00bfCu\u00e1nto tiempo lleva con Abdul Latif Jameel?<\/h2>\r\n<p><strong>KK: <\/strong>Me incorpor\u00e9 a Abdul Latif Jameel Finance en 2009. Desde entonces desempe\u00f1\u00e9 diferentes funciones, desde director de RR.\u00a0HH. hasta director general de servicios de apoyo, incluidos RR.\u00a0HH., TI y administraci\u00f3n. Dos a\u00f1os despu\u00e9s, me convert\u00ed en director de operaciones y en enero de este a\u00f1o, asum\u00ed el cargo de director general.<\/p>\r\n<h2>\u00bfCu\u00e1nto sab\u00eda de Abdul Latif Jameel Finance antes de unirse al negocio?<\/h2>\r\n<p><strong>KK: <\/strong>Abdul Latif Jameel es una de las marcas familiares m\u00e1s famosas de Arabia Saud\u00ed. Por supuesto, conoc\u00eda el nombre y la reputaci\u00f3n, pero no comprend\u00eda la escala completa de sus actividades.<\/p>\r\n<p>Estaba al tanto del negocio de distribuci\u00f3n de Toyota y algunos de los proyectos sociales y comunitarios, como Bab Rizq Jameel.<\/p>\r\n<p>Tambi\u00e9n sab\u00eda un poco sobre el lado financiero, pero no era consciente de que era una empresa independiente y tan importante por derecho propio.<\/p>\r\n<h2>\u00bfQu\u00e9 le atrajo de la oportunidad?<\/h2>\r\n<p><strong>KK: <\/strong>En realidad, fueron dos cosas. El prestigio de la marca Abdul Latif Jameel en general, y m\u00e1s concretamente, la oportunidad de desarrollar mi carrera en el sector de servicios financieros de r\u00e1pido crecimiento, especialmente dada mi experiencia previa en el Banco Isl\u00e1mico de Desarrollo (BID).<\/p>\r\n<h2>\u00bfC\u00f3mo se ha desarrollado el mercado de la financiaci\u00f3n al consumo en Arabia Saud\u00ed en los \u00faltimos a\u00f1os?<\/h2>\r\n<p><strong>KK: <\/strong>El mercado de la financiaci\u00f3n al consumo en Arabia Saud\u00ed ha crecido muy r\u00e1pidamente en los \u00faltimos a\u00f1os. Hace tiempo, sol\u00eda ser muy tradicional. Los bancos eran los principales actores y dominaban el mercado. Poco a poco, algunos nuevos actores empezaron a entrar en el mercado, incluido Abdul Latif Jameel Finance. Este cambio ha ganado mucho m\u00e1s impulso en los \u00faltimos cinco a\u00f1os. Visi\u00f3n 2030 establece un marco ambicioso para la expansi\u00f3n del sector de servicios financieros del pa\u00eds, y la transformaci\u00f3n ya est\u00e1 sucediendo. Han surgido muchas empresas m\u00e1s peque\u00f1as de fintech que han ganado cuota de mercado. Los bancos han respondido invirtiendo en sus propias ofertas digitales. La situaci\u00f3n en el mercado es muy din\u00e1mica. En los \u00faltimos a\u00f1os he sido testigo de un gran cambio, que se est\u00e1 acelerando cada vez m\u00e1s.<\/p>\r\n<h2>\u00bfCu\u00e1les son las mayores \u00e1reas de crecimiento?<\/h2>\r\n<p><strong>KK: <\/strong>Veo dos \u00e1reas clave que est\u00e1n impulsando el crecimiento en el mercado. Una es la \u201cfinanciaci\u00f3n en efectivo\u201d. Actualmente hay varias empresas de fintech que ofrecen soluciones financieras a los consumidores. Hemos visto un crecimiento significativo en las personas que acceden a las finanzas de esta manera, especialmente en aquellas que no tienen acceso bancario.<\/p>\r\n<p>La segunda gran \u00e1rea de expansi\u00f3n es la financiaci\u00f3n de pymes (peque\u00f1as y medianas empresas), en la que Abdul Latif Jameel Finance est\u00e1 especialmente activo. Este crecimiento probablemente est\u00e9 superando al de la financiaci\u00f3n al consumo. Tradicionalmente, la financiaci\u00f3n de pymes era un segmento poco desarrollado en Arabia Saud\u00ed. Los grandes bancos ten\u00edan procesos de solicitud muy burocr\u00e1ticos, as\u00ed que a las pymes les resultaba dif\u00edcil acceder a financiaci\u00f3n de esta manera. En su lugar, la mayor\u00eda de la financiaci\u00f3n para pymes proced\u00eda de amigos y familiares, pero eso est\u00e1 cambiando r\u00e1pidamente.<\/p>\r\n<p><img class=\"alignleft size-medium wp-image-100306\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Kafalah-logo-300x206.jpg\" alt=\"\" width=\"300\" height=\"206\" \/>El gobierno ha tomado medidas para modernizar el mercado. Ha facilitado la comprobaci\u00f3n del rendimiento financiero de las pymes y ha creado una serie de organizaciones, incluido un banco, para proporcionar fondos. Tambi\u00e9n actualizaron el <a href=\"https:\/\/www.kafalah.gov.sa\/en\/Pages\/default.aspx\">\u201cprograma Kafala\u201d<\/a>, que significa \u201cgarante\u201d en ingl\u00e9s, para fortalecer la certeza y flexibilidad en torno a los pagos de pr\u00e9stamos.<\/p>\r\n<p>Estamos muy interesados en este mercado, que tiene un enorme potencial. Creemos que ser\u00e1 el responsable de nuestra mayor cuota de crecimiento. La mayor\u00eda de las empresas de fintech est\u00e1n en el lado del consumidor. No est\u00e1n tan interesados en las pymes. Somos los primeros del mercado en ofrecer un m\u00f3dulo de gesti\u00f3n de riesgos para las pymes que est\u00e1 completamente automatizado. Tambi\u00e9n estamos trabajando en un proceso de incorporaci\u00f3n automatizado. Una vez lo lancemos, podr\u00edamos ser la primera empresa en ofrecer una experiencia digital completa y fluida para que las pymes accedan a financiaci\u00f3n.<\/p>\r\n<h2>Las empresas de fintech han alterado el mercado de servicios financieros en todo el mundo. \u00bfC\u00f3mo de din\u00e1mico es el mercado fintech saud\u00ed?<\/h2>\r\n<p><strong>KK: <\/strong>Las empresas de fintech han transformado el mercado saud\u00ed. Actualmente hay empresas de fintech en pr\u00e1cticamente todas las \u00e1reas: pr\u00e9stamos personales, procesamiento de pagos, seguros, etc. Tambi\u00e9n han entrado en el mercado actores m\u00e1s grandes, como las empresas de telecomunicaciones que proporcionan billeteras electr\u00f3nicas, tarjetas de cr\u00e9dito y cosas as\u00ed. Los bancos han seguido su ejemplo ofreciendo sus propias aplicaciones y plataformas digitales.<\/p>\r\n<p>En Abdul Latif Jameel Finance, pronto lanzaremos nuestra nueva aplicaci\u00f3n digital de pr\u00e9stamos en efectivo, que automatiza todo el proceso. El consumidor puede descargar la aplicaci\u00f3n, solicitar y recibir un pr\u00e9stamo en unos minutos. Tambi\u00e9n estamos lanzando un producto para puntos de venta \u201ccompra ahora, paga despu\u00e9s\u201d (buy now pay later, BNPL), para que los consumidores puedan comprar en cualquiera de nuestros socios. Una vez m\u00e1s, ser\u00e1 una experiencia fluida, sencilla y sin fricciones que esperamos que deleite a los clientes.<\/p>\r\n<h2>\u00bfEn qu\u00e9 medida son populares las empresas de fintech y los servicios digitales en general en Arabia Saud\u00ed?<\/h2>\r\n<p><strong>KK: <\/strong>El uso de la tecnolog\u00eda digital en los servicios financieros est\u00e1 demostrando ser muy popular. Creo que esto tiene que ver con la naturaleza de la poblaci\u00f3n en Arabia Saud\u00ed. Tenemos una poblaci\u00f3n muy joven, muy experta en tecnolog\u00eda. Arabia Saud\u00ed es, por ejemplo, uno de los mercados m\u00e1s grandes del mundo para Twitter. A los saud\u00edes les encanta la tecnolog\u00eda. Les encanta la idea de conseguir algo a trav\u00e9s de su aplicaci\u00f3n m\u00f3vil. Est\u00e1n cansados de experiencias rudimentarias. Obviamente, esta es una gran ventaja para las empresas de fintech.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100320\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Riyadh-Saudi-Arabia.jpg\" alt=\"\" width=\"1516\" height=\"885\" \/><\/p>\r\n<p>Otra ventaja es la actitud del regulador. El <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Banco Central de Arabia Saud\u00ed<\/a> apoya mucho a las empresas de fintech y cuenta con un espacio aislado para que puedan operar. Esto proporciona un entorno empresarial muy atractivo, como una incubadora para empresas de fintech, donde las regulaciones y la burocracia son menos tediosas.<\/p>\r\n<h2>\u00bfCu\u00e1l era la posici\u00f3n tradicional de Abdul Latif Jameel Finance en Arabia Saud\u00ed y c\u00f3mo est\u00e1 cambiando?<\/h2>\r\n<p><strong>KK: <\/strong>Sol\u00edamos ser una empresa tradicional de financiaci\u00f3n de autom\u00f3viles en puntos de venta, nada m\u00e1s. Hace unos 20\u00a0a\u00f1os, empezamos a proporcionar tambi\u00e9n financiaci\u00f3n para productos de consumo, como electrodom\u00e9sticos, pero no fuimos m\u00e1s all\u00e1. En los \u00faltimos dos a\u00f1os, nos hemos centrado en el mercado de las pymes, con propuestas como financiaci\u00f3n en efectivo, financiaci\u00f3n en puntos de venta, financiaci\u00f3n de contratos y facturas, \u00a1y mucho m\u00e1s por venir!<\/p>\r\n\r\n[caption id=\"attachment_100271\" align=\"aligncenter\" width=\"2221\"]<img class=\"size-full wp-image-100271\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/ALJ-Finance-Saudi-Team.jpg\" alt=\"\" width=\"2221\" height=\"1047\" \/> Pictured left-to-right: Mohammed Abduljabbar \u2013 Director of Compliance, Fahad Krimli \u2013 Head of Associate Care and Administrative Services, Dr. Khalid Al Karimy \u2013 Chief Executive Officer, Medhat Abdrabboh \u2013 Director of Operations, Badr Basouki \u2013 Director of Operations[\/caption]\r\n\r\n<p>Tambi\u00e9n estamos explorando oportunidades de fusi\u00f3n y adquisici\u00f3n para fortalecer nuestra posici\u00f3n en el mercado. La primera es <a href=\"https:\/\/aljuref.com\/en\/\">Abdul Latif Jameel Real Estate Finance<\/a>, que proporciona hipotecas, y tambi\u00e9n <a href=\"https:\/\/brjmf.com\/\">Bab Rizq Jameel Microfinance<\/a>, que cuenta con una s\u00f3lida base de clientes entre empresas emergentes y pymes. Esto aumentar\u00e1 nuestro negocio actual y nos ayudar\u00e1 a dar un salto hacia el futuro. Nos permitir\u00e1 ampliar los servicios que ofrecemos, realizar ventas cruzadas de diferentes productos y convertirnos en un socio de finanzas integral, as\u00ed como impulsar nuestra experiencia en tecnolog\u00eda. Tambi\u00e9n tenemos otras oportunidades en el punto de mira.<\/p>\r\n<h2>\u00bfQu\u00e9 importancia tienen la digitalizaci\u00f3n y la tecnolog\u00eda para alcanzar sus objetivos de crecimiento?<\/h2>\r\n<p><strong>KK: <\/strong>Sin la digitalizaci\u00f3n, no podr\u00edamos hacer nada de esto. No se trata solo de tecnolog\u00eda, sino tambi\u00e9n de la mentalidad de las personas. Estamos trabajando en esto, transformando realmente estas tres empresas y su personal para que piensen de manera digital. Esto se aplica tanto internamente, en t\u00e9rminos de nuestros propios procesos, como externamente, en t\u00e9rminos de la experiencia del cliente. De alguna manera, considero que la tecnolog\u00eda y la digitalizaci\u00f3n son nuestro negocio principal, en lugar de las finanzas. Lo digital es lo primero, y lo que queremos hacer en nuestro modelo de negocio es lo segundo.<\/p>\r\n<h2>\u00bfQu\u00e9 cambios espera ver en el mercado de servicios financieros en los pr\u00f3ximos a\u00f1os y qu\u00e9 significar\u00e1n para Abdul Latif Jameel Finance?<\/h2>\r\n<p><strong>KK: <\/strong>Se espera que el sector financiero de Arabia Saud\u00ed experimente un crecimiento exponencial. En primer lugar, la econom\u00eda est\u00e1 creciendo y los servicios financieros son su columna vertebral. En segundo lugar, todav\u00eda hay una gran proporci\u00f3n de consumidores sin acceso bancario que captar. Tradicionalmente, a los bancos les resultaba dif\u00edcil atraer a estos consumidores. Pero las empresas de fintech y las nuevas plataformas digitales, como la nuestra, est\u00e1n facilitando el acceso a estas personas y convirti\u00e9ndolas en clientes.<\/p>\r\n\r\n[caption id=\"attachment_100334\" align=\"aligncenter\" width=\"2189\"]<img class=\"size-full wp-image-100334\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Dr-Khalid-Al-Karimy-1.jpg\" alt=\"\" width=\"2189\" height=\"1201\" \/> Dr. Khalid Al Karimy, Chief Executive Officer, Abdul Latif Jameel Finance, at his office in Jeddah, Saudi Arabia[\/caption]\r\n\r\n<p>Finalmente, hacia finales de este a\u00f1o o principios del pr\u00f3ximo, el gobierno lanzar\u00e1 una nueva plataforma de \u201cbanca abierta\u201d, que contendr\u00e1 todos los datos financieros de un cliente. Anteriormente, esta informaci\u00f3n pertenec\u00eda a los bancos y solo ellos pod\u00edan acceder a ella, pero ahora todos los proveedores financieros podr\u00e1n consultarla. Esto igualar\u00e1 el terreno de juego entre los actores m\u00e1s grandes y los proveedores m\u00e1s peque\u00f1os y \u00e1giles, aumentando la elecci\u00f3n del consumidor y ofreciendo una ventaja comercial a aquellos que ofrezcan servicios mejores, m\u00e1s completos y m\u00e1s convenientes. Se fomentar\u00e1 en una verdadera relaci\u00f3n con el cliente.<\/p>\r\n<h2>Los bancos no se quedar\u00e1n quietos y ver\u00e1n c\u00f3mo se erosiona su cuota de mercado. \u00bfPueden los actores m\u00e1s peque\u00f1os, como Abdul Latif Jameel Finance, competir contra los grandes bancos?<\/h2>\r\n<p><strong>KK: <\/strong>Buena pregunta. Creo que los bancos no van a poder competir fuertemente en el mundo digital por dos razones principales. N\u00famero uno, agilidad: tienen que considerar sus enormes sistemas heredados y sus modelos de negocio. No pueden simplemente cambiar de direcci\u00f3n de la noche a la ma\u00f1ana. Son como buques descomunales. Incluso aunque quieran cambiar de direcci\u00f3n, les llevar\u00e1 a\u00f1os moverse. La segunda raz\u00f3n es que no creo que los bancos de Arabia Saud\u00ed se hayan dado cuenta de lo \u201cpeligrosas\u201d que son las empresas de fintech para sus negocios. Han disfrutado, y a\u00fan disfrutan, de una posici\u00f3n enormemente privilegiada en el mercado. Por ejemplo, todos los empleados asalariados del pa\u00eds deben tener una cuenta bancaria en la que cobrar su salario. Por lo tanto, los bancos est\u00e1n acostumbrados a tener esta gran base de clientes predeterminada a la que pueden venderle otros productos. La banca abierta va a cambiar todo eso, puesto que ser\u00e1 muy f\u00e1cil para los consumidores pasar de un banco o proveedor a otro.<\/p>\r\n<p>Dicho esto, los bancos est\u00e1n cambiando. Est\u00e1n invirtiendo en lo digital y ofreciendo mejores servicios. Sin embargo, al menos a medio plazo, no creo que puedan igualar las capacidades digitales, el enfoque o la flexibilidad de las empresas de fintech ni de proveedores m\u00e1s peque\u00f1os y \u00e1giles, como Abdul Latif Jameel Finance.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100299\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Jeddah.jpg\" alt=\"ALJ Finance Saudi Arabia\" width=\"1516\" height=\"841\" \/><\/p>\r\n<h2>\u00bfCu\u00e1les son sus objetivos para Abdul Latif Jameel Finance?<\/h2>\r\n<p><strong>KK: <\/strong>Para los pr\u00f3ximos a\u00f1os tenemos una estrategia de crecimiento agresiva, especialmente en el lado digital. Una de las principales cosas que hemos hecho es crear un negocio dedicado a la innovaci\u00f3n digital dentro de Abdul Latif Jameel Finance. Es una empresa dentro de una empresa, con sus propios objetivos, estrategias, p\u00e9rdidas y ganancias, centrada \u00fanicamente en c\u00f3mo podemos utilizar la tecnolog\u00eda para mejorar nuestra oferta y atraer a m\u00e1s clientes. Un \u00e1rea clave para nosotros ser\u00e1n las pymes y c\u00f3mo podemos satisfacer <u>todas<\/u> sus necesidades financieras en una sola relaci\u00f3n.<\/p>\r\n<p>Adem\u00e1s, seguiremos haciendo algunas de las actividades que hacemos ahora, pero completamente online, por lo que es posible que necesitemos consolidar nuestra presencia f\u00edsica en las sucursales. Hagamos lo que hagamos, el objetivo es el mismo: lograr que uso de nuestros servicios y el acceso a nuestros productos sea lo m\u00e1s sencillo, r\u00e1pido y satisfactorio posible para los clientes. Es un viaje que nunca termina, pero con el que estamos totalmente comprometidos.<\/p>"],"_content":[""],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_edit_last":["22"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["11"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/perspectives\/15645","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/media\/15618"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/media?parent=15645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}