{"id":16063,"date":"2023-05-10T00:00:00","date_gmt":"2023-05-10T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/sharing-the-ride-with-careem-6\/"},"modified":"2026-05-12T14:09:03","modified_gmt":"2026-05-12T14:09:03","slug":"sharing-the-ride-with-careem-6","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/sharing-the-ride-with-careem-6\/","title":{"rendered":"Compartir el trayecto con Careem"},"content":{"rendered":"

In March 2023, Abdul Latif Jameel Finance Saudi Arabia<\/a> and Careem<\/a>, the region\u2019s leading multi-service platform, announced the launch of a new financing program<\/a> designed specifically to allow Saudi Careem drivers, or \u2018Captains\u2019, to finance their own cars.\u00a0 For many Careem Captains their main source of income comes through the ride-hailing app, and the program provides them with flexible payment plans and installments to obtain any new model from several brands including Toyota, Lexus, KIA, Hyundai, Geely, Suzuki, and MG vehicles.\u00a0<\/em><\/p>\n

We spoke to Dr Khalid Al Karimy<\/a>, CEO, Abdul Latif Jameel Finance Saudi Arabia, and Ahmad Arrabi, General Manager, Careem Saudi Arabia, about the partnership and what it means for each business.<\/em><\/p>\n

Can you provide some background on Abdul Latif Jameel Finance\u2019s operations in Saudi Arabia?<\/h2>\n
\"\"

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

Chief Executive Officer<\/p>\n

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

KAK:<\/strong>\u00a0 Abdul Latif Jameel Finance started over 40 years ago as one of the first automotive finance companies in Saudi Arabia.\u00a0 Initially, we only financed Toyota vehicles, but we have gradually expanded our services, so we now offer finance for multiple brands.\u00a0 In the last six or seven years, we have also started to finance other areas, such as home appliances, medical devices, and sports equipment.<\/p>\n

Most recently, we have started to provide cash finance to individuals and small businesses (SMEs).<\/p>\n

From an internal perspective, one of the biggest recent changes for us was the integration of two other Abdul Latif Jameel entities into Abdul Latif Jameel Finance, namely Abdul Latif Jameel United Real Estate Finance Company, which provides different financial solutions for real estate, and Bab Rizq Jameel Microfinance, which provides \u2018productive loans\u2019 for individuals and microbusinesses.<\/p>\n

Ahmad, can you tell us about Careem\u2019s development in Saudi Arabia?<\/h2>\n

AA:<\/strong>\u00a0 Careem started in Dubai, UAE in 2012 and expanded into Saudi Arabia in 2013.\u00a0 At that time, the majority of our focus was on ride-hailing, moving people within and between cities, and Careem quickly became one of the largest ride-hailing companies in the region.\u00a0 We now cover over 70 cities across the region, from Morocco to Pakistan.\u00a0 In 2019, Careem was acquired by Uber, although it still operates under the Careem brand in the Middle East.<\/p>\n

Ride-hailing continues to be the \u2018big brother\u2019 of all our services.\u00a0 Not only in numbers, but also in terms of the perception of our customers, as it\u2019s something we\u2019ve been doing for 10 years.\u00a0 Since 2017, however, we\u2019ve been developing Careem as a \u2018super app\u2019 through which you can access a whole bunch of services, like food delivery, and fintech services through Careem Pay, all connected by our high-value subscription service Careem Plus. Our super app has taken off in Dubai and several other cities.\u00a0 Our vision is to expand it to more cities in the next couple of years.<\/p>\n

In April 2023 we welcomed a new partner as e&, the regional telecoms provider and technology investment group, announced a $400 million investment in the Careem super app.<\/p>\n

\"Abdul

Ahmad Arrabi, (L) General Manager, Careem Saudi Arabia and Dr Khalid Al Karimy, CEO, Abdul Latif Jameel Finance (R) at the signing of the new financing program for Careem Captains in March 2023<\/p><\/div>\n

How important are the Captains for achieving Careem\u2019s objectives?<\/h2>\n

AA:<\/strong>\u00a0 Captains are the main pillar of our business, both for ride-hailing and non-ride hailing delivery services.\u00a0 A happy Captain delivers a happy service, whether it\u2019s a ride or delivering groceries.\u00a0 So it\u2019s important we understand their needs to ensure that their experience on the platform is fulfilling and understand what might be limiting new Captains from joining the industry.<\/p>\n

Historically, one of the things holding back the supply of new Captains was that the regulations stipulated they needed to own their vehicles directly.<\/p>\n

\"CareemRecognizing this was hindering the growth of the industry, however, Saudi Arabia\u2019s Transport General Authority changed the regulations in 2022 so that Captains no longer needed to own their car, as long as they had authorization to drive it.<\/p>\n

This was a big change as it opened the door for a lot more Saudis to access more flexible earnings as Careem Captains. But there was still a segment of the market that wanted access to car financing to purchase their own car to become a ride-hailing Captain, many of whom couldn\u2019t actually access the traditional finance products offered by the banks due to tough restrictions around eligibility since they didn\u2019t have full-time employment.\u00a0 So even if you were driving full-time as a Careem Captain and earning a good income, you cannot typically get a traditional bank loan to buy a car.<\/p>\n

\"\"<\/p>\n

How has the finance market in Saudi Arabia changed over the past few years and how have these changes affected Abdul Latif Jameel Finance?<\/h2>\n

KAK:<\/strong>\u00a0 Historically, the Saudi finance industry has been dominated by banks, which tended to take a conservative approach to lending.\u00a0 This has changed in the last decade, particularly since the launch of Vision 2030<\/a> in 2016.\u00a0 The Central Bank of Saudi Arabia<\/a> (SAMA) modernized the financial services regulatory framework to make it more suited to the evolving needs of today\u2019s consumers.\u00a0 Among the changes was the creation of a regulatory \u2018sandbox\u2019 that allows fintech businesses, mainly startups, to develop and refine their businesses in a less restrictive environment.\u00a0 Once the proof of concept is perfected, they graduate from the sandbox to the wider market.<\/p>\n

\"CashThese changes affected us from two directions.\u00a0 Number one: it opened up new opportunities for us in terms of digitalization.\u00a0 We have created a dedicated unit within the company called Digital Business to drive revenue from digital initiatives.\u00a0 One of these initiatives is Cash Jameel<\/a>, which is a retail cash loan you can access through your cell phone.\u00a0 We also have an automotive e-commerce tool that allows you to apply for a loan, verify your ID, select a car and everything else through the app, without having to come to a physical showroom.\u00a0 And we are launching a digital platform for SMEs that will enable them to apply for a loan, undergo due diligence checks and secure finance, all via the app.<\/p>\n

We wouldn\u2019t be able to do any of this if it wasn\u2019t for the innovation-friendly fintech ecosystem in Saudi Arabia.<\/p>\n

The second major impact is that the behavior and expectations of people have changed.\u00a0 Consumers in Saudi Arabia are very tech-savvy.\u00a0 I think it has one of the fastest-growing user-bases in the world for social media apps like Twitter, for example.\u00a0 People here are very comfortable in the digital space.\u00a0 They know how to navigate these kinds of services online and, increasingly, they expect to be able to do so.<\/p>\n

\"\"<\/p>\n

How did the partnership with Abdul Latif Jameel Finance come about?<\/h2>\n

AA:<\/strong>\u00a0 During the COVID-19 pandemic, we saw that while demand for ride-hailing services was increasing, we were finding it harder to attract new Captains to increase our supply.\u00a0 We started exploring new ideas to try and encourage more Captains into the industry, one of which was addressing the issue of car financing.\u00a0 There were already a couple of similar initiatives in the region, although not on this scale.\u00a0 We started talking to Abdul Latif Jamel Finance to see if there was something we could do to make it easier for Captains to obtain vehicle finance, and this partnership was born.<\/p>\n

Abdul Latif Jameel Finance has been in the vehicle finance market for over 40 years. What attracted you to this opportunity with Careem?<\/h2>\n

KAK:<\/strong>\u00a0 We saw an exciting business opportunity to expand our business while also meeting the needs of Careem and its Captains.\u00a0 Until now, it has been very hard for Careem Captains to obtain finance for their vehicles.\u00a0 Many of them are not salaried so they can\u2019t pass the credit assessment of the traditional banks.\u00a0 We have been dealing with self-employed people for quite a while, however, so we understand this market well.\u00a0 We saw this as a great opportunity because we are helping young entrepreneurial Saudi nationals to access the financial services market.\u00a0 The loans will be productive as they will be used to purchase a vehicle from us, which in turn will enable them to generate an income.\u00a0 At the same time, it is a way for us to expand our customer reach to this segment of the market \u2013 people who are committed, entrepreneurial, and determined to earn their own living.<\/p>\n

How was Abdul Latif Jameel Finance able to fill a finance gap that banks were not able to address?<\/h2>\n

KAK:<\/strong>\u00a0 We are a car finance company, so we can approach it from a vehicle perspective as well as a loan perspective.\u00a0 Banks just focus on the money.\u00a0 That\u2019s maybe the fundamental difference between us.\u00a0 We knew that Careem Captains are not salaried, so we worked closely with Careem to understand the typical earnings profiles of their drivers.\u00a0 Careem was able to assure us, and demonstrate, that these drivers would earn a certain amount of money per year, on average.\u00a0 Based on this, we were able to create this product together specifically for Careem Captains.\u00a0 It\u2019s still a calculated risk, but it\u2019s one we were prepared to take, given the opportunity, as part of our vision to drive financial inclusivity.\u00a0 Further security is provided by the fact that the car itself remains in the name of Abdul Latif Jameel Finance until the loan is repaid.\u00a0 So, if anything goes wrong, we still own the asset.<\/p>\n

Does the finance arrangement cover hybrid and electric vehicles as well as traditional combustion engine vehicles?<\/h2>\n

KAK:<\/strong>\u00a0 Yes, absolutely so, it covers any type of vehicle transmission.\u00a0 Hybrid vehicles are growing in sales and Toyota has a couple of models that are very successful in the market.\u00a0 The pure electric vehicle market is not yet as strong in Saudi Arabia, due to public perceptions and a lack of infrastructure.\u00a0 But the government is working hard to address this and in the next five to 10 years we expect to see strong growth in electric vehicles, too.<\/p>\n

Is there a target number of Captains you want to reach with this product?<\/h2>\n

AA:<\/strong>\u00a0 The priority is to get started with the first few drivers and use that experience to further refine the program as we go.\u00a0 We don\u2019t want to get distracted by setting arbitrary targets that end up reducing our freedom to innovate and iterate.\u00a0 There has already been a lot of interest since we announced the partnership with Abdul Latif Jameel Finance, so we are confident that it will grow quickly once we perfect the design of the program.<\/p>\n

Is it important for you to work with partners that share the same vision and values?<\/h2>\n

KAK:<\/strong>\u00a0 Absolutely.\u00a0 Abdul Latif Jameel<\/a>, both as an organization and as a family, has a very strong vision and a set of values that run throughout the business.\u00a0 We are committed to philanthropy<\/a>, to social development, to empowering people and communities to lead happy, productive lives.\u00a0 These values are aligned with Careem\u2019s mission to create employment opportunities and enable people to earn a living for themselves and their families.<\/p>\n

This philosophy matches our new strapline, which is \u2018tamkin<\/em>\u2019 meaning in English, \u2018we empower you\u2019.\u00a0 We help you find a car; we help you source finance; we help you secure a job and make a living.\u00a0 This is very important to us.<\/p>\n

What are the benefits for Careem in working with a company like Abdul Latif Jameel Finance?<\/h2>\n

AA:<\/strong>\u00a0 We have been in the region for 10 years, and we have learnt that a big factor in the success of any new program is finding the right partner.\u00a0 A partner who shares your mission and your vision will help to grow the program and expand its potentials.\u00a0 Abdul Latif Jameel Finance Saudi Arabia has already made it very clear they share the same ambitions to make this a successful program over the next few years.\u00a0 Our mission is to simplify people\u2019s lives.\u00a0 We cannot do that if we offer a suboptimal experience for Captains trying to register with us.\u00a0 Abdul Latif Jameel has a strong reputation, based on their credibility and reliability.\u00a0 Partnering with them will help us deliver the very best experience for our Captains.<\/p>\n

\"Careem<\/p>\n

For our Captains themselves, the benefits are even clearer – it is a way for them to buy a car, earn a living and support their families and communities.\u00a0 At any one time, around 20% of our potential Captains are stuck in the registration process due to vehicle ownership authorization issues, or vehicles that are not eligible to be used as ride-hailing vehicles.\u00a0 Solving this problem will be a crucial lifeline for them.<\/p>\n

Careem has been in Saudi Arabia for 10 years already and is in multiple countries all over the world. What are your expectations or hopes for Careem over the next decade?<\/h2>\n

AA:<\/strong>\u00a0 We are expecting an exciting journey!\u00a0 Our number one priority is the roll-out of our \u2018super app\u2019 which will enable us to simplify the lives of a lot more people in a lot more ways than just mobility.<\/p>\n

\"\"The super app has already proven successful in the UAE, where we offer over a dozen services including food and grocery delivery, micro-mobility, a digital wallet and suite of fintech services, and additional third-party services such as home cleaning, car rental and laundry.<\/p>\n

We\u2019ve expanded these services into Saudi Arabia and Jordan, and we\u2019ll be introducing them into more countries in the years ahead.<\/p>\n

We believe that the opportunity for a Super App in our region is huge. There are so many daily frictions that can be solved with digital services, and there are no dominant players in our region offering the convenience and value that a super app can offer. On top of this, the Middle East has among the highest consumer digital engagement in the world. In KSA and the UAE, digital adoption (the average of users in each industry who have interacted with it through digital or remote channels) stands at 78%. And emerging markets have seen the highest growth in app downloads in recent years.<\/p>\n

Careem is incredibly well placed to seize this opportunity. We\u2019ve already simplified life for over 50 million customers and created over 2.5 million earning opportunities for Captains. We now have two powerful partners in Uber and e& to help us build category-leading businesses in our key markets and scale the Super App.<\/p>\n

We want to make Careem the first app people turn to on their phones, because it makes their lives easier and more convenient, from ordering your groceries or paying the bills to taking your kids to school or sending money to your family – you\u2019ll be able to do it all through Careem.<\/p>\n

\"\"<\/p>\n

Similarly, what are your plans for Abdul Latif Jameel Finance Saudi Arabia over the next few years and how will the partnership with Careem help you achieve these plans?<\/h2>\n

KAK:<\/strong>\u00a0 Our aim is to continue diversifying our products and customers, something the partnership with Careem will undoubtedly help us achieve.<\/p>\n

Our digitalization agenda is also going to be a central part of our growth strategy.<\/p>\n

We are continually exploring new ways to leverage digital technology to increase our reach and enable underserved communities to access financial products to improve their lives.\u00a0 We want to make it as easy as possible for people to apply for a wide range of financial products quickly, easily, and securely from the comfort of their own homes.\u00a0 Continuing to invest in digitalization is essential to achieve this, and this is what we\u2019ll be focusing on over the next few years.<\/p>\n

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MG.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1593-scaled-1.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["1"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["16033"],"_wpml_word_count":["{\"total\":2641,\"to_translate\":{\"ar\":2641,\"zh-hans\":2641,\"fr\":2641,\"ja\":2641,\"es\":2641,\"tr\":2641}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:26:{s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:93:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:95:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:96:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\";a:2:{s:2:\"id\";s:4:\"4434\";s:11:\"source_type\";s:13:\"media-library\";}s:98:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\";a:2:{s:2:\"id\";s:4:\"4434\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/CAREEM_LOGO_GREEN_WINK.png\";a:2:{s:2:\"id\";s:5:\"16034\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/CAREEM_LOGO_GREEN_WINK.png\";a:2:{s:2:\"id\";s:5:\"16034\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1671-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16035\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1671-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16035\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:84:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1-193x300.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1-193x300.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-jameel-3-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16037\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-jameel-3-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16037\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-app-screenshots.jpg\";a:2:{s:2:\"id\";s:5:\"16038\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-app-screenshots.jpg\";a:2:{s:2:\"id\";s:5:\"16038\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app-300x165.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app-300x165.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:104:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-Super-App-iPhone-visual-1-1-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16056\";s:11:\"source_type\";s:13:\"media-library\";}s:106:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-Super-App-iPhone-visual-1-1-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16056\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1635-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16041\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1635-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16041\";s:11:\"source_type\";s:13:\"media-library\";}}"],"_edit_lock":["1778595042:22"],"content":["<em>En marzo de 2023, <\/em><a href=\"https:\/\/aljfinance.com\/\"><em>Abdul Latif Jameel Finance<\/em><\/a><em><u> Saudi Arabia<\/u><\/em><em> y <\/em><a href=\"https:\/\/www.careem.com\/\"><em>Careem<\/em><\/a><em>, la plataforma multiservicio l\u00edder de la regi\u00f3n, anunciaron el lanzamiento de un <\/em><a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-car-financing-program-for-careem-captains\/\"><em>nuevo programa de financiaci\u00f3n<\/em><\/a><em> dise\u00f1ado espec\u00edficamente para permitir a los conductores de Careem, o \u201ccapitanes\u201d, saud\u00edes financiar sus propios coches. La principal fuente de ingresos de muchos capitanes de Careem es la aplicaci\u00f3n de red de transporte y el programa les proporciona planes y plazos de pago flexibles para obtener cualquier modelo nuevo de varias marcas, incluidas Toyota, Lexus, KIA, Hyundai, Geely, Suzuki y MG. Hablamos con <\/em>el <a href=\"https:\/\/alj.com\/es\/our-people\/dr-khalid-d-al-karimy\/\"><em>Dr. Khalid Al Karimy<\/em><\/a><em>, CEO de Abdul Latif Jameel Finance Saudi Arabia, y con Ahmad Arrabi, director general de Careem Saudi Arabia, sobre la asociaci\u00f3n y lo que significa para cada negocio.<\/em>\r\n<h2>\u00bfPodr\u00eda hablarnos sobre los antecedentes de las operaciones de Abdul Latif Jameel Finance en Arabia Saud\u00ed?<\/h2>\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 \/><br \/>Director general (CEO)<br \/><br \/>Abdul Latif Jameel Finance, Arabia Saud\u00ed[\/caption]\r\n\r\n<strong>KAK:<\/strong> Abdul Latif Jameel Finance comenz\u00f3 hace m\u00e1s de 40\u00a0a\u00f1os como una de las primeras empresas de financiaci\u00f3n de veh\u00edculos en Arabia Saud\u00ed. Inicialmente, solo financi\u00e1bamos veh\u00edculos Toyota, pero hemos ampliado gradualmente nuestros servicios y ahora ofrecemos financiaci\u00f3n para m\u00faltiples marcas. En los \u00faltimos seis o siete a\u00f1os tambi\u00e9n hemos comenzado a financiar otras \u00e1reas, como electrodom\u00e9sticos, dispositivos m\u00e9dicos y equipos deportivos.\r\n\r\nM\u00e1s recientemente, hemos comenzado a proporcionar financiaci\u00f3n en efectivo a personas f\u00edsicas y a peque\u00f1as empresas (pymes).\r\n\r\nDesde una perspectiva interna, uno de los cambios m\u00e1s recientes para nosotros fue la integraci\u00f3n de otras dos entidades de Abdul Latif Jameel en Abdul Latif Jameel Finance: Abdul Latif Jameel United Real Estate Finance Company, que proporciona distintas soluciones financieras para el sector inmobiliario, y Bab Rizq Jameel Microfinance, que ofrece \u201cpr\u00e9stamos productivos\u201d a personas f\u00edsicas y microempresas.\r\n<h2>Ahmad, \u00bfpodr\u00eda hablarnos sobre el desarrollo de Careem en Arabia Saud\u00ed?<\/h2>\r\n<strong>AA:<\/strong> Careem comenz\u00f3 en Dub\u00e1i, Emiratos \u00c1rabes Unidos, en 2012 y se expandi\u00f3 a Arabia Saud\u00ed en 2013. En ese momento, nuestro enfoque se centraba sobre todo en el transporte de personas dentro y entre ciudades, y Careem se convirti\u00f3 r\u00e1pidamente en una de las mayores empresas de transporte de la regi\u00f3n. Ahora cubrimos m\u00e1s de 70\u00a0ciudades en toda la regi\u00f3n, desde Marruecos hasta Pakist\u00e1n. En 2019, Uber adquiri\u00f3 Careem, aunque seguimos operando bajo la marca Careem en Oriente Medio.\r\n\r\nLa red de transporte sigue siendo nuestro principal servicio. No solo en n\u00fameros, sino tambi\u00e9n en t\u00e9rminos de la percepci\u00f3n de nuestros clientes, ya que llevamos 10\u00a0a\u00f1os ofreci\u00e9ndolo. Sin embargo, desde 2017, hemos desarrollado Careem como una \u201csuperaplicaci\u00f3n\u201d mediante la cual se puede acceder a un mont\u00f3n de opciones, como la entrega de comida, as\u00ed como servicios de tecnolog\u00eda financiera a trav\u00e9s de Careem Pay, todos conectados por nuestro valioso servicio de suscripci\u00f3n Careem Plus. Nuestra superaplicaci\u00f3n ya se ha lanzado en Dub\u00e1i y otras ciudades. Nuestro objetivo es ampliarla a m\u00e1s ubicaciones en los pr\u00f3ximos a\u00f1os.\r\n\r\nEn abril de 2023 dimos la bienvenida a un nuevo socio: e&, un proveedor regional de telecomunicaciones y grupo de inversi\u00f3n tecnol\u00f3gica, que anunci\u00f3 una inversi\u00f3n de 400\u00a0millones de USD en la superaplicaci\u00f3n Careem.\r\n\r\n[caption id=\"attachment_106603\" align=\"aligncenter\" width=\"2456\"]<img class=\"size-full wp-image-106603\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/03\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\" alt=\"Abdul Latif Jameel Finance launches new finance program for Careem Captains in Saudi Arabia\" width=\"2456\" height=\"2456\" \/> Ahmad Arrabi (izq.), director general de Careem Saudi Arabia y el Dr. Khalid Al Karimy (dcha.), CEO de Abdul Latif Jameel Finance, en la firma del nuevo programa de financiaci\u00f3n para capitanes de Careem en marzo de 2023[\/caption]\r\n<h2>\u00bfQu\u00e9 importancia tienen los capitanes para lograr los objetivos de Careem?<\/h2>\r\n<strong>AA:<\/strong> Los capitanes son el pilar principal de nuestro negocio, tanto para los servicios de transporte como los de entrega. Un capit\u00e1n satisfecho ofrece un servicio agradable, tanto si se trata de un viaje o de una entrega de comestibles. Por lo tanto, es importante que comprendamos sus necesidades para garantizar que su experiencia en la plataforma las cumpla y que identifiquemos qu\u00e9 podr\u00eda estar limitando la incorporaci\u00f3n de nuevos capitanes.\r\n\r\n<img class=\"alignleft size-thumbnail wp-image-107945\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/CAREEM_LOGO_GREEN_WINK-140x150.png\" alt=\"Careem logo wink\" width=\"140\" height=\"150\" \/>Hist\u00f3ricamente, una de las cosas que frenaba la inclusi\u00f3n de nuevos capitanes era que las regulaciones requer\u00edan que fuesen propietarios de sus veh\u00edculos.\r\n\r\nSin embargo, al reconocer que esto obstaculizaba el crecimiento del sector, la Autoridad General de Transporte de Arabia Saud\u00ed cambi\u00f3 las regulaciones en 2022 para que los capitanes ya no tuvieran que ser propietarios de su veh\u00edculo, siempre que tuvieran autorizaci\u00f3n para conducirlo.\r\n\r\nFue un gran cambio, ya que abri\u00f3 la puerta para que muchos m\u00e1s saud\u00edes accedieran a ganancias m\u00e1s flexibles como capitanes de Careem. Sin embargo, a\u00fan hab\u00eda un segmento del mercado que quer\u00eda acceder a financiaci\u00f3n para comprar su propio veh\u00edculo y convertirse en capit\u00e1n de transporte, Al no tener un empleo a tiempo completo, muchas de estas personas no pod\u00edan recurrir a los productos financieros tradicionales con estrictas restricciones que ofrecen los bancos. Por lo tanto, incluso aunque condujeran a tiempo completo como capitanes de Careem y obtuviesen unos buenos ingresos, normalmente no pod\u00edan obtener un pr\u00e9stamo bancario tradicional para comprarse un coche.\r\n\r\n<img class=\"aligncenter size-full wp-image-107917\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/224A1671-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/>\r\n<h2>\u00bfC\u00f3mo ha cambiado el mercado financiero en Arabia Saud\u00ed en los \u00faltimos a\u00f1os y c\u00f3mo han afectado estos cambios a Abdul Latif Jameel Finance?<\/h2>\r\n<strong>KAK:<\/strong> Hist\u00f3ricamente, la industria financiera saud\u00ed ha estado dominada por bancos, cuyos pr\u00e9stamos tend\u00edan a adoptar un enfoque conservador. Esto ha cambiado en la \u00faltima d\u00e9cada, especialmente desde el lanzamiento de <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision 2030<\/a> en 2016. El <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Banco Central de Arabia Saud\u00ed<\/a> (SAMA) moderniz\u00f3 el marco normativo de los servicios financieros para adaptarlo a las necesidades cambiantes de los consumidores de hoy en d\u00eda. Entre los cambios se encontraba la creaci\u00f3n de un marco normativo espec\u00edfico que permitiera a las empresas de tecnolog\u00eda financiera, principalmente a startups, desarrollar y perfeccionar sus negocios en un entorno menos restrictivo. Una vez perfeccionada la prueba de concepto, pasan de este marco normativo espec\u00edfico al mercado en general.\r\n\r\n<img class=\"alignleft size-medium wp-image-107970\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-Jameel-1-1-193x300.jpg\" alt=\"Cash Jameel screenshot\" width=\"193\" height=\"300\" \/>Estos cambios nos afectaron de dos formas. Por un lado, abrieron nuevas oportunidades en t\u00e9rminos de digitalizaci\u00f3n. Hemos creado Digital Business, una unidad dentro de la empresa que se dedica a impulsar los ingresos de las iniciativas digitales. Una de estas iniciativas es <a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-new-mobile-app-cash-loan-product-in-saudi-arabia\/\">Cash Jameel<\/a>, un pr\u00e9stamo en efectivo para comercios minoristas al que se puede acceder a trav\u00e9s de los tel\u00e9fonos m\u00f3viles. Tambi\u00e9n tenemos una herramienta de comercio electr\u00f3nico para la automoci\u00f3n que permite a las personas solicitar un pr\u00e9stamo, verificar su identificaci\u00f3n, seleccionar un autom\u00f3vil y todo lo dem\u00e1s a trav\u00e9s de la aplicaci\u00f3n, sin necesidad de acudir presencialmente a un concesionario. Asimismo, vamos a lanzar una plataforma digital que permitir\u00e1 que las pymes soliciten un pr\u00e9stamo, se sometan a comprobaciones de diligencia debida y obtengan financiaci\u00f3n, todo a trav\u00e9s de la aplicaci\u00f3n.\r\n\r\nNada de esto ser\u00eda posible si no fuera por el ecosistema de tecnolog\u00eda financiera que fomenta la innovaci\u00f3n en Arabia Saud\u00ed.\r\n\r\nEl segundo gran impacto es que el comportamiento y las expectativas de las personas han cambiado. Los consumidores de Arabia Saud\u00ed son muy afines a la tecnolog\u00eda. Creo que contamos con una de las bases de usuarios de m\u00e1s r\u00e1pido crecimiento del mundo en aplicaciones de redes sociales, como, por ejemplo, Twitter. Los saud\u00edes se sienten muy c\u00f3modos en el entorno digital. Saben c\u00f3mo navegar por este tipo de servicios en l\u00ednea y, cada vez m\u00e1s, esperan poder hacerlo.\r\n\r\n<img class=\"aligncenter size-full wp-image-107938\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-jameel-3-scaled.jpg\" alt=\"\" width=\"2560\" height=\"2560\" \/>\r\n<h2>\u00bfC\u00f3mo surgi\u00f3 la asociaci\u00f3n con Abdul Latif Jameel Finance?<\/h2>\r\n<strong>AA:<\/strong> Durante la pandemia de COVID-19, vimos que, aunque la demanda de servicios de transporte estaba aumentando, nos resultaba m\u00e1s dif\u00edcil atraer nuevos capitanes para aumentar nuestra oferta. Comenzamos a explorar nuevas ideas para alentar la incorporaci\u00f3n de m\u00e1s capitanes y una de ellas era abordar el problema de la financiaci\u00f3n de veh\u00edculos. Ya hab\u00eda un par de iniciativas similares en la regi\u00f3n, aunque no a esta escala. Comenzamos a hablar con Abdul Latif Jameel Finance para ver qu\u00e9 pod\u00edamos hacer para permitir que los capitanes obtuvieran financiaci\u00f3n para veh\u00edculos, y as\u00ed naci\u00f3 esta asociaci\u00f3n.\r\n<h2>Abdul Latif Jameel Finance lleva m\u00e1s de 40\u00a0a\u00f1os en el mercado de la financiaci\u00f3n de veh\u00edculos. \u00bfQu\u00e9 les atrajo de esta oportunidad con Careem?<\/h2>\r\n<strong>KAK:<\/strong> Nos parece una emocionante oportunidad, que nos permitir\u00e1 expandir nuestro negocio y, al mismo tiempo, satisfacer las necesidades de Careem y sus capitanes. Hasta ahora, los capitanes de Careem han tenido muchas dificultades para obtener financiaci\u00f3n para sus veh\u00edculos. Muchos de ellos no son asalariados, as\u00ed que no pasan la evaluaci\u00f3n crediticia de los bancos tradicionales. Sin embargo, nosotros llevamos bastante tiempo tratando con personas que trabajan por cuenta propia y entendemos bien este mercado. Esto nos result\u00f3 una oportunidad excelente, porque ayudamos a j\u00f3venes emprendedores saud\u00edes a acceder al mercado de servicios financieros. Los pr\u00e9stamos ser\u00e1n productivos, ya que se utilizar\u00e1n para comprarnos un veh\u00edculo, lo que a su vez les permitir\u00e1 generar ingresos. Al mismo tiempo, es una forma de ampliar nuestra cartera de clientes a este segmento del mercado: personas comprometidas, emprendedoras y decididas a ganarse la vida.\r\n<h2>\u00bfC\u00f3mo logr\u00f3 Abdul Latif Jameel Finance cubrir una brecha financiera que los bancos no fueron capaces de abordar?<\/h2>\r\n<strong>KAK:<\/strong> Somos una empresa de financiaci\u00f3n de veh\u00edculos, por lo que podemos abordarla tanto desde la perspectiva de los veh\u00edculos como desde la de los pr\u00e9stamos. Los bancos solo se centran en el dinero. Esa puede ser la diferencia fundamental entre nosotros. Sabemos que los capitanes de Careem no son asalariados, as\u00ed que trabajamos estrechamente con Careem para comprender los perfiles de ganancias t\u00edpicos de sus conductores. Careem pudo asegurarnos, y demostrar, que estos conductores ganar\u00edan una cierta cantidad de dinero por a\u00f1o, de media. Bas\u00e1ndonos en esto, creamos juntos un producto espec\u00edfico para los capitanes de Careem. Se trata de un riesgo calculado que estamos dispuestos a asumir, ya que enlaza con nuestra visi\u00f3n de impulsar la inclusi\u00f3n financiera. Adem\u00e1s, que el propio coche permanezca a nombre de Abdul Latif Jameel Finance nos proporciona una mayor seguridad hasta que se reembolse el pr\u00e9stamo. Por lo tanto, si algo sale mal, seguimos siendo propietarios del activo.\r\n<h2>\u00bfEl acuerdo financiero cubre veh\u00edculos h\u00edbridos y el\u00e9ctricos, as\u00ed como veh\u00edculos con motores de combusti\u00f3n tradicionales?<\/h2>\r\n<strong>KAK:<\/strong> S\u00ed, por supuesto, cubre cualquier tipo de veh\u00edculo. La venta de veh\u00edculos h\u00edbridos est\u00e1 creciendo y Toyota tiene un par de modelos que son muy exitosos en el mercado. En Arabia Saud\u00ed, el mercado de veh\u00edculos el\u00e9ctricos puros a\u00fan no es tan s\u00f3lido, debido a las percepciones p\u00fablicas y la falta de infraestructura. Sin embargo, el gobierno est\u00e1 trabajando duro para abordar esta situaci\u00f3n y, en los pr\u00f3ximos cinco a diez a\u00f1os, esperamos ver tambi\u00e9n un fuerte crecimiento en los veh\u00edculos el\u00e9ctricos.\r\n<h2>\u00bfHay un n\u00famero objetivo de capitanes para este producto?<\/h2>\r\n<strong>AA:<\/strong> La prioridad es comenzar con los primeros conductores y usar esa experiencia para perfeccionar a\u00fan m\u00e1s el programa a medida que avanzamos. No queremos distraernos estableciendo objetivos arbitrarios que podr\u00edan reducir nuestra libertad para innovar e iterar. Desde su anuncio, la asociaci\u00f3n con Abdul Latif Jameel Finance ya ha suscitado mucho inter\u00e9s, por lo que estamos seguros de que crecer\u00e1 r\u00e1pidamente una vez que perfeccionemos el dise\u00f1o del programa.\r\n<h2>\u00bfEs importante trabajar con socios que compartan la misma visi\u00f3n y valores?<\/h2>\r\n<strong>KAK:<\/strong> Absolutamente. <a href=\"https:\/\/alj.com\/es\/\">Abdul Latif Jameel<\/a>, tanto en calidad de organizaci\u00f3n como de familia, tiene una visi\u00f3n muy s\u00f3lida y un conjunto de valores que se aplican en todo el negocio. Estamos comprometidos con la <a href=\"https:\/\/www.communityjameelsaudi.org\/en\/\">filantrop\u00eda<\/a>, con el desarrollo social y con el empoderamiento de personas y comunidades para que lleven unas vidas felices y productivas. Estos valores est\u00e1n alineados con la misi\u00f3n de Careem de crear oportunidades de empleo y permitir a las personas ganarse la vida, para s\u00ed mismas y sus familias.\r\n\r\nEsta filosof\u00eda coincide con nuestro nuevo eslogan, \u201c<em>tamkin<\/em>\u201d, que en espa\u00f1ol significa \u201cle empoderamos\u201d. Ayudamos a las personas a encontrar un veh\u00edculo, a obtener financiaci\u00f3n, a conseguir un empleo y a ganarse la vida. Esto es muy importante para nosotros.\r\n<h2>\u00bfCu\u00e1les son los beneficios para Careem al trabajar con una empresa como Abdul Latif Jameel Finance?<\/h2>\r\n<strong>AA:<\/strong> Llevamos 10\u00a0a\u00f1os en la regi\u00f3n y hemos aprendido que un factor importante para el \u00e9xito de cualquier nuevo programa es encontrar el socio adecuado. Un socio que comparta nuestra misi\u00f3n y nuestra visi\u00f3n nos ayudar\u00e1 a desarrollar el programa y ampliar su potencial. Abdul Latif Jameel Finance Arabia Saud\u00ed ya ha dejado muy claro que comparten las mismas ambiciones para lograr que este programa triunfe en los pr\u00f3ximos a\u00f1os. Nuestra misi\u00f3n es simplificar la vida de las personas. Para ello, necesitamos ofrecerles una experiencia \u00f3ptima a los capitanes interesados en unirse a nosotros. Abdul Latif Jameel tiene una s\u00f3lida reputaci\u00f3n, basada en su credibilidad y fiabilidad. Asociarnos con ellos nos ayudar\u00e1 a ofrecerles la mejor experiencia a nuestros capitanes.\r\n\r\n<img class=\"aligncenter size-full wp-image-107989\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-app-screenshots.jpg\" alt=\"Careem app screenshots \" width=\"1608\" height=\"1595\" \/>\r\n\r\nPara nuestros propios capitanes, los beneficios son a\u00fan m\u00e1s claros: les ofrece una oportunidad para comprarse un coche, ganarse la vida y apoyar a sus familias y comunidades. En su momento, alrededor del 20\u00a0% de nuestros posibles capitanes no pod\u00edan completar el proceso de registro debido a problemas de autorizaci\u00f3n con la propiedad del veh\u00edculo o a que sus veh\u00edculos no eran aptos para utilizarse como veh\u00edculos de transporte. Resolver este problema ser\u00e1 crucial para ellos.\r\n<h2>Careem ya lleva 10\u00a0a\u00f1os en Arabia Saud\u00ed y est\u00e1 presente en varios pa\u00edses de todo el mundo. \u00bfCu\u00e1les son sus expectativas o esperanzas para Careem a lo largo de la pr\u00f3xima d\u00e9cada?<\/h2>\r\n<strong>AA:<\/strong> \u00a1Esperamos continuar con esta trayectoria emocionante! Nuestra principal prioridad es la implementaci\u00f3n de nuestra \u201csuperaplicaci\u00f3n\u201d, que nos permitir\u00e1 simplificar las vidas de muchas personas con opciones que van m\u00e1s all\u00e1 de la movilidad.\r\n\r\n<img class=\"alignleft size-medium wp-image-107959\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-super-app-300x165.jpg\" alt=\"\" width=\"300\" height=\"165\" \/>La superaplicaci\u00f3n ya ha demostrado ser un \u00e9xito en EAU, donde ofrecemos m\u00e1s de una docena de servicios, como entrega de comida y comestibles, micromovilidad, una cartera digital y un conjunto de servicios de tecnolog\u00eda financiera, as\u00ed como servicios adicionales de terceros, que van desde limpieza del hogar y lavander\u00eda hasta alquiler de coches.\r\n\r\nHemos ampliado estos servicios a Arabia Saud\u00ed y Jordania, y en los pr\u00f3ximos a\u00f1os los introduciremos en m\u00e1s pa\u00edses.\r\n\r\nCreemos que una superaplicaci\u00f3n tiene muchas oportunidades en nuestra regi\u00f3n. Un mont\u00f3n de situaciones diarias se pueden resolver con servicios digitales, y en nuestra regi\u00f3n no hay actores dominantes que ofrezcan la comodidad y el valor que plantea una superaplicaci\u00f3n. Adem\u00e1s, la poblaci\u00f3n de Oriente Medio se encuentra entre los mayores consumidores digitales del mundo. En Arabia Saud\u00ed y los Emiratos \u00c1rabes Unidos, la adopci\u00f3n digital (la media de usuarios de cada sector que han interactuado con \u00e9l a trav\u00e9s de canales digitales o remotos) es del 78\u00a0%. Y en los \u00faltimos a\u00f1os los mercados emergentes han experimentado el mayor crecimiento en descargas de aplicaciones.\r\n\r\nCareem est\u00e1 incre\u00edblemente bien posicionado para aprovechar esta oportunidad. Ya hemos simplificado la vida de m\u00e1s de 50\u00a0millones de clientes y hemos creado m\u00e1s de 2,5\u00a0millones de oportunidades de ganancias para los capitanes. Ahora tenemos dos poderosos socios, Uber y e&, que nos ayudar\u00e1n a construir negocios l\u00edderes en nuestros mercados clave y a expandir la superaplicaci\u00f3n.\r\n\r\nQueremos que Careem sea la primera aplicaci\u00f3n a la que recurran las personas, porque les hace la vida m\u00e1s f\u00e1cil y c\u00f3moda, desde pedir comida a domicilio o pagar facturas hasta llevar a sus hijos al colegio o enviar dinero a su familia: a trav\u00e9s de Careem podr\u00e1 hacer de todo.\r\n\r\n<img class=\"aligncenter size-full wp-image-107952\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-Super-App-iPhone-visual-1-1-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1706\" \/>\r\n<h2>Del mismo modo, \u00bfcu\u00e1les son sus planes para Abdul Latif Jameel Finance Arabia Saud\u00ed en los pr\u00f3ximos a\u00f1os y c\u00f3mo contribuir\u00e1 la asociaci\u00f3n con Careem a lograrlos?<\/h2>\r\n<strong>KAK:<\/strong> Nuestro objetivo es continuar diversificando nuestros productos y clientes, algo que la asociaci\u00f3n con Careem sin duda nos ayudar\u00e1 a lograr.\r\n\r\nNuestra agenda de digitalizaci\u00f3n tambi\u00e9n ser\u00e1 una parte central de nuestra estrategia de crecimiento.\r\n\r\nEstamos explorando continuamente nuevas formas de aprovechar la tecnolog\u00eda digital para aumentar nuestro alcance y permitir que las comunidades desatendidas accedan a productos financieros con capacidad para mejorar sus vidas. Queremos que solicitar una amplia gama de productos financieros desde la comodidad de sus propios hogares sea lo m\u00e1s f\u00e1cil posible. Continuar invirtiendo en digitalizaci\u00f3n es esencial para lograrlo y es en lo que nos centraremos en los pr\u00f3ximos a\u00f1os.\r\n\r\n<img class=\"aligncenter size-full wp-image-107910\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/224A1635-scaled.jpg\" alt=\"\" width=\"1707\" height=\"2560\" \/>"],"_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":["1"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/perspectives\/16063","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\/16033"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/media?parent=16063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}