{"id":15641,"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-4\/"},"modified":"2026-05-12T11:30:18","modified_gmt":"2026-05-12T11:30:18","slug":"digital-future-for-saudi-financial-services-4","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/perspectives\/digital-future-for-saudi-financial-services-4\/","title":{"rendered":"L\u2019avenir num\u00e9rique des services financiers saoudiens"},"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-15641","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nL\u2019avenir num\u00e9rique des services financiers saoudiens - 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=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019avenir num\u00e9rique des services financiers saoudiens - 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. 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Arabie Saoudite"],"_featured":["field_601a3b473c5c5"],"featured":["0"],"_footnotes":["field_66fd39afb9383"],"footnotes":[""],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["Services financiers"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["100611"],"_short_title":["field_60925d67125ef"],"short_title":["L\u2019avenir num\u00e9rique des services financiers saoudiens"],"_summary":["field_6019304103a20"],"summary":["<p>Le secteur des services financiers conna\u00eet une profonde mutation en Arabie saoudite. Figurant parmi les 12 \u00ab\u00a0programmes de r\u00e9alisation\u00a0\u00bb de la strat\u00e9gie nationale de d\u00e9veloppement <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision\u00a02030<\/a>, il a \u00e9t\u00e9 d\u00e9sign\u00e9 comme un secteur prioritaire pour soutenir les progr\u00e8s envers les objectifs ambitieux du pays.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-evening.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["15618"],"_wpml_word_count":["{\"total\":2170,\"to_translate\":{\"ar\":2170,\"zh-hans\":2170,\"fr\":2170,\"ja\":2170,\"es\":2170,\"tr\":2170}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:22:{s:72:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Vision-2030.jpg\";a:2:{s:2:\"id\";s:5:\"15619\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Vision-2030-300x168.jpg\";a:2:{s:2:\"id\";s:5:\"15619\";s:11:\"source_type\";s:13:\"media-library\";}s:74:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Vision-2030.jpg\";a:2:{s:2:\"id\";s:5:\"15619\";s:11:\"source_type\";s:13:\"media-library\";}s:82:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Vision-2030-300x168.jpg\";a:2:{s:2:\"id\";s:5:\"15619\";s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/FSDP-Logo.png\";a:2:{s:2:\"id\";s:5:\"15620\";s:11:\"source_type\";s:13:\"media-library\";}s:72:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/FSDP-Logo.png\";a:2:{s:2:\"id\";s:5:\"15620\";s:11:\"source_type\";s:13:\"media-library\";}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:73:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Kafalah-logo.jpg\";a:2:{s:2:\"id\";s:5:\"15622\";s:11:\"source_type\";s:13:\"media-library\";}s:81:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Kafalah-logo-300x206.jpg\";a:2:{s:2:\"id\";s:5:\"15622\";s:11:\"source_type\";s:13:\"media-library\";}s:75:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Kafalah-logo.jpg\";a:2:{s:2:\"id\";s:5:\"15622\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Kafalah-logo-300x206.jpg\";a:2:{s:2:\"id\";s:5:\"15622\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-Saudi-Arabia.jpg\";a:2:{s:2:\"id\";s:5:\"15623\";s:11:\"source_type\";s:13:\"media-library\";}s:82:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Riyadh-Saudi-Arabia.jpg\";a:2:{s:2:\"id\";s:5:\"15623\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finance-Saudi-Team.jpg\";a:2:{s:2:\"id\";s:5:\"15624\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finance-Saudi-Team.jpg\";a:2:{s:2:\"id\";s:5:\"15624\";s:11:\"source_type\";s:13:\"media-library\";}s:82:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-1.jpg\";a:2:{s:2:\"id\";s:5:\"15625\";s:11:\"source_type\";s:13:\"media-library\";}s:84:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-1.jpg\";a:2:{s:2:\"id\";s:5:\"15625\";s:11:\"source_type\";s:13:\"media-library\";}s:67:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Jeddah.jpg\";a:2:{s:2:\"id\";s:5:\"15626\";s:11:\"source_type\";s:13:\"media-library\";}s:69:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Jeddah.jpg\";a:2:{s:2:\"id\";s:5:\"15626\";s:11:\"source_type\";s:13:\"media-library\";}}"],"_edit_lock":["1778585301:22"],"content":["<p><img class=\"alignright size-medium wp-image-100325\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Vision-2030-300x168.jpg\" alt=\"\" width=\"300\" height=\"168\" \/>Le secteur des services financiers conna\u00eet une profonde mutation en Arabie saoudite. Figurant parmi les 12 \u00ab\u00a0programmes de r\u00e9alisation\u00a0\u00bb de la strat\u00e9gie nationale de d\u00e9veloppement <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision\u00a02030<\/a>, il a \u00e9t\u00e9 d\u00e9sign\u00e9 comme un secteur prioritaire pour soutenir les progr\u00e8s envers les objectifs ambitieux du pays.<\/p>\r\n<p><img class=\"alignleft size-full wp-image-100290\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/FSDP-Logo.png\" alt=\"\" width=\"249\" height=\"121\" \/>Selon Vision\u00a02030, le programme de d\u00e9veloppement des services financiers (<a href=\"https:\/\/www.vision2030.gov.sa\/v2030\/vrps\/fsdp\/\">FSDP<\/a>) vise \u00e0 \u00ab\u00a0d\u00e9velopper un secteur financier diversifi\u00e9 et efficace pour soutenir le d\u00e9veloppement de l\u2019\u00e9conomie nationale, diversifier ses sources de revenus et stimuler l\u2019\u00e9pargne, les finances et les investissements.\u00a0\u00bb<\/p>\r\n<p>Pr\u00e9sente en Arabie Saoudite depuis\u00a01979, <a href=\"https:\/\/www.aljfinance.com\/index.aspx\">Abdul Latif Jameel Finance<\/a> fait partie des entreprises qui contribuent \u00e0 faire \u00e9voluer ce march\u00e9 dynamique.<\/p>\r\n<p>Nous nous sommes entretenus avec le <a href=\"https:\/\/alj.com\/en\/our-people\/dr-khalid-d-al-karimy\/\">Dr Khalid Al Karimy<\/a>, PDG d\u2019Abdul Latif Jameel Finance en Arabie Saoudite, au sujet du d\u00e9veloppement du secteur des services financiers saoudiens, de ses projets pour l\u2019entreprise et des opportunit\u00e9s de croissance.<\/p>\r\n\r\n[caption id=\"attachment_96462\" align=\"alignleft\" width=\"232\"]<img class=\"size-medium wp-image-96462\" 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\nPr\u00e9sident-directeur g\u00e9n\u00e9ral<br \/>\r\nAbdul Latif Jameel Finance, Arabie saoudite[\/caption]\r\n\r\n<h2>Depuis combien de temps travaillez-vous chez Abdul Latif Jameel\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>j\u2019ai rejoint Abdul Latif Jameel Finance en\u00a02009. Depuis mon arriv\u00e9e, j\u2019ai occup\u00e9 diff\u00e9rents r\u00f4les, du poste de directeur des ressources humaines \u00e0 celui de directeur g\u00e9n\u00e9ral des services de soutien, en passant par le service informatique et le service administratif. Deux ans plus tard, je suis devenu directeur de l\u2019exploitation. En janvier dernier, j\u2019ai obtenu le poste de directeur g\u00e9n\u00e9ral.<\/p>\r\n<h2>Dans quelle mesure connaissiez-vous Abdul Latif Jameel Finance avant de rejoindre l\u2019entreprise\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>Abdul Latif Jameel est l\u2019une des marques familiales les plus c\u00e9l\u00e8bres d\u2019Arabie saoudite (un v\u00e9ritable nom de famille)\u00a0; bien s\u00fbr, je connaissais le nom et la r\u00e9putation, mais je n\u2019avais pas id\u00e9e de l\u2019ampleur de l\u2019entreprise.<\/p>\r\n<p>Je connaissais l\u2019activit\u00e9 de distribution de Toyota et certaines des activit\u00e9s sociales et communautaires, comme Bab Rizq Jameel.<\/p>\r\n<p>Je connaissais aussi un peu l\u2019aspect financier, mais je n\u2019avais pas r\u00e9alis\u00e9 qu\u2019il s\u2019agissait d\u2019une entreprise distincte et si importante \u00e0 part enti\u00e8re.<\/p>\r\n<h2>Qu\u2019est-ce qui vous a attir\u00e9 dans cette opportunit\u00e9\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>en fait, il y avait deux choses. Le prestige de la marque Abdul Latif Jameel en g\u00e9n\u00e9ral, et plus particuli\u00e8rement, l\u2019opportunit\u00e9 de d\u00e9velopper ma carri\u00e8re dans le secteur des services financiers en pleine croissance, apr\u00e8s une pr\u00e9c\u00e9dente exp\u00e9rience \u00e0 la BID.<\/p>\r\n<h2>Comment le march\u00e9 du cr\u00e9dit \u00e0 la consommation s\u2019est-il d\u00e9velopp\u00e9 ces derni\u00e8res ann\u00e9es en Arabie saoudite\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>Le march\u00e9 du cr\u00e9dit \u00e0 la consommation en Arabie saoudite a connu une croissance tr\u00e8s rapide ces derni\u00e8res ann\u00e9es. Il y a quelque temps, il s\u2019agissait d\u2019un march\u00e9 tr\u00e8s traditionnel. Les banques \u00e9taient les principaux acteurs et dominaient le march\u00e9. Peu \u00e0 peu, de nouveaux acteurs sont apparus sur le march\u00e9, dont Abdul Latif Jameel Finance. Ce changement a pris beaucoup plus d\u2019ampleur ces cinq derni\u00e8res ann\u00e9es. Vision\u00a02030 d\u00e9finit une vision ambitieuse pour l\u2019expansion du secteur des services financiers du pays. D\u2019ailleurs, la transformation est d\u00e9j\u00e0 en cours. Un grand nombre de petites entreprises, les Fintech, ont \u00e9merg\u00e9 et ont gagn\u00e9 des parts de march\u00e9. Les banques ont r\u00e9agi en investissant dans leurs propres offres num\u00e9riques. Le march\u00e9 est tr\u00e8s dynamique et a connu une \u00e9volution consid\u00e9rable au cours des derni\u00e8res ann\u00e9es, qui ne fait que s\u2019acc\u00e9l\u00e9rer.<\/p>\r\n<h2>Quels sont les principaux domaines de croissance\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>selon moi, deux domaines cl\u00e9s stimulent la croissance du march\u00e9. Le premier est le financement \u00e0 la consommation (cash finance). De nombreuses Fintechs proposent d\u00e9sormais des solutions financi\u00e8res aux consommateurs. Nous avons constat\u00e9 une croissance significative du nombre de personnes, en particulier non bancaris\u00e9es, qui acc\u00e8dent au financement de cette mani\u00e8re.<\/p>\r\n<p>Le deuxi\u00e8me grand domaine d\u2019expansion est le financement des PME (petites et moyennes entreprises), domaine dans lequel Abdul Latif Jameel Finance est particuli\u00e8rement actif. La croissance dans ce domaine est probablement plus rapide que celle du cr\u00e9dit \u00e0 la consommation. Traditionnellement, le financement des PME \u00e9tait un segment sous-d\u00e9velopp\u00e9 en Arabie saoudite. Les proc\u00e9dures bureaucratiques des grandes banques \u00e9taient si complexes, qu\u2019il \u00e9tait difficile pour les PME d\u2019acc\u00e9der \u00e0 des financements de cette mani\u00e8re. La plupart des financements de PME provenaient plut\u00f4t des amis et de la famille, mais cette situation \u00e9volue rapidement.<\/p>\r\n<p><img class=\"alignleft size-medium wp-image-100304\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Kafalah-logo-300x206.jpg\" alt=\"\" width=\"300\" height=\"206\" \/>Le gouvernement a pris des mesures pour moderniser le march\u00e9. Il a facilit\u00e9 la v\u00e9rification des performances financi\u00e8res des PME et cr\u00e9\u00e9 un certain nombre d\u2019organismes, dont une banque, pour fournir des fonds. Il a \u00e9galement mis \u00e0 jour le \u00ab\u00a0<a href=\"https:\/\/www.kafalah.gov.sa\/en\/Pages\/default.aspx\">programme Kafala<\/a>\u00a0\u00bb (qui signifie \u00ab\u00a0garant\u00a0\u00bb), afin de renforcer la certitude et la flexibilit\u00e9 des remboursements de pr\u00eats.<\/p>\r\n<p>Nous sommes tr\u00e8s int\u00e9ress\u00e9s par ce march\u00e9, car il pr\u00e9sente un potentiel \u00e9norme. Nous pensons que c\u2019est de l\u00e0 que viendra notre plus grande part de croissance. La plupart des Fintechs se situent du c\u00f4t\u00e9 des consommateurs. Elles ne sont pas tr\u00e8s int\u00e9ress\u00e9es par les PME. Nous sommes les premiers sur le march\u00e9 \u00e0 proposer un module de gestion des risques pour les PME qui soit enti\u00e8rement automatis\u00e9. Nous travaillons \u00e9galement sur un processus d\u2019int\u00e9gration automatis\u00e9. Une fois que nous l\u2019aurons lanc\u00e9, nous serons peut-\u00eatre la premi\u00e8re entreprise \u00e0 offrir une exp\u00e9rience num\u00e9rique compl\u00e8te et transparente aux PME pour acc\u00e9der au financement.<\/p>\r\n<h2>Les Fintechs ont perturb\u00e9 le march\u00e9 des services financiers dans le monde entier. Quelle est la dynamique du march\u00e9 saoudien des Fintechs\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>les Fintechs ont transform\u00e9 le march\u00e9 saoudien. Il existe aujourd\u2019hui des Fintechs dans pratiquement tous les domaines\u00a0: pr\u00eats personnels, traitement des paiements, assurance, etc. Des acteurs plus importants sont \u00e9galement arriv\u00e9s sur le march\u00e9, comme les entreprises de t\u00e9l\u00e9communications qui proposent des portefeuilles \u00e9lectroniques et des cartes de cr\u00e9dit, des choses comme \u00e7a. Les banques ont suivi le mouvement en proposant leurs propres applications et plateformes num\u00e9riques.<\/p>\r\n<p>Chez Abdul Latif Jameel Finance, nous allons bient\u00f4t lancer notre nouvelle application de pr\u00eat num\u00e9rique en esp\u00e8ces, qui automatise l\u2019ensemble du processus. Le consommateur peut t\u00e9l\u00e9charger l\u2019application, faire une demande et recevoir un pr\u00eat en quelques minutes. Nous lan\u00e7ons \u00e9galement un produit \u00e0 \u00ab\u00a0paiement diff\u00e9r\u00e9\u00a0\u00bb (acheter maintenant, payer plus tard) qui sera disponible en point de vente, afin que les consommateurs puissent acheter aupr\u00e8s de l\u2019un de nos partenaires. L\u00e0 encore, il s\u2019agira d\u2019une exp\u00e9rience transparente, fluide et conviviale qui, nous l\u2019esp\u00e9rons, ravira les clients.<\/p>\r\n<h2>Quelle est la popularit\u00e9 des Fintechs - et des services num\u00e9riques en g\u00e9n\u00e9ral - en Arabie saoudite\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>l\u2019utilisation de la technologie num\u00e9rique dans les services financiers s\u2019av\u00e8re tr\u00e8s populaire. Je pense que cela est li\u00e9 \u00e0 la nature de la population saoudienne, qui est tr\u00e8s jeune et f\u00e9rue de technologie. L\u2019Arabie saoudite est l\u2019un des plus grands march\u00e9s au monde sur Twitter, par exemple. Les Saoudiens adorent la technologie. Ils aiment l\u2019id\u00e9e d\u2019obtenir quelque chose via leur application mobile. Ils en ont assez des exp\u00e9riences physiques. C\u2019est \u00e9videmment un \u00e9norme avantage pour les Fintechs.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100318\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Riyadh-Saudi-Arabia.jpg\" alt=\"\" width=\"1516\" height=\"885\" \/><\/p>\r\n<p>Un autre avantage est l\u2019attitude du r\u00e9gulateur. La <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Banque centrale d\u2019Arabie saoudite<\/a> soutient fortement les Fintechs. Elle offre un \u00ab\u00a0environnement\u00a0\u00bb dans lequel les Fintechs peuvent \u00e9voluer. Cela cr\u00e9e un environnement commercial tr\u00e8s attractif, de type incubateur de Fintechs, o\u00f9 les r\u00e9glementations et la bureaucratie sont moins lourdes.<\/p>\r\n<h2>Quelle a \u00e9t\u00e9 la position traditionnelle d\u2019Abdul Latif Jameel Finance en Arabie saoudite, et comment \u00e9volue-t-elle\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>nous \u00e9tions autrefois une soci\u00e9t\u00e9 traditionnelle d\u2019autofinancement physique, rien de plus. Il y a environ 20\u00a0ans, nous avons \u00e9galement commenc\u00e9 \u00e0 financer des produits de consommation, comme les appareils \u00e9lectrom\u00e9nagers, mais nous n\u2019avons pas continu\u00e9. Ces deux derni\u00e8res ann\u00e9es, nous nous sommes concentr\u00e9s sur le march\u00e9 des PME et nous y avons investi dans notre offre, comme le financement en esp\u00e8ces, le financement en point de vente, le financement de contrats et de factures, et bien d\u2019autres choses encore.<\/p>\r\n\r\n[caption id=\"attachment_100269\" align=\"aligncenter\" width=\"2221\"]<img class=\"size-full wp-image-100269\" 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>Nous \u00e9tudions \u00e9galement les opportunit\u00e9s de fusion et d\u2019acquisition afin de renforcer notre position sur le march\u00e9. La premi\u00e8re concerne <a href=\"https:\/\/aljuref.com\/en\/\">Abdul Latif Jameel Real Estate Finance<\/a>, qui propose des pr\u00eats hypoth\u00e9caires, ainsi que <a href=\"https:\/\/brjmf.com\/\">Bab Rizq Jameel Microfinance<\/a>, qui dispose d\u2019une solide client\u00e8le parmi les start-up et les PME. Ces partenariats viendront renforcer nos activit\u00e9s actuelles et nous donneront un coup de pouce pour l\u2019avenir. Ils nous permettront d\u2019\u00e9tendre les services que nous proposons, de r\u00e9aliser des ventes crois\u00e9es de diff\u00e9rents produits et de devenir un guichet unique pour la finance, tout en renfor\u00e7ant notre exp\u00e9rience en mati\u00e8re de technologie. Nous disposons \u00e9galement d\u2019autres opportunit\u00e9s en projet.<\/p>\r\n<h2>Quelle est l\u2019importance de la num\u00e9risation et de la technologie dans la r\u00e9alisation de vos objectifs de croissance\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>sans la num\u00e9risation, nous ne pouvons rien faire de tout cela. Mais il ne s\u2019agit pas seulement de technologie. Il s\u2019agit aussi de l\u2019\u00e9tat d\u2019esprit des gens. C\u2019est ce sur quoi nous travaillons, en transformant ces trois entreprises et leurs employ\u00e9s afin qu\u2019ils r\u00e9fl\u00e9chissent num\u00e9riquement. Cela s\u2019applique aussi bien en interne, au niveau de nos propres processus, qu\u2019en externe, au niveau de l\u2019exp\u00e9rience client. D\u2019une certaine mani\u00e8re, je consid\u00e8re la technologie et la num\u00e9risation comme notre activit\u00e9 principale, plut\u00f4t que la finance. Le num\u00e9rique vient en premier, et ce que nous voulons faire de notre mod\u00e8le commercial vient en second.<\/p>\r\n<h2>Quels changements pensez-vous observer sur le march\u00e9 des services financiers au cours des prochaines ann\u00e9es, et quelles en seront les cons\u00e9quences pour Abdul Latif Jameel Finance\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>le secteur financier en Arabie saoudite devrait conna\u00eetre une croissance exponentielle. Premi\u00e8rement, l\u2019\u00e9conomie est en pleine croissance et les services financiers en sont le pilier. Deuxi\u00e8mement, il reste encore une tr\u00e8s grande part de consommateurs non bancaris\u00e9s \u00e0 exploiter. Traditionnellement, les banques ont du mal \u00e0 attirer ces consommateurs. Mais les Fintechs et les nouvelles plateformes num\u00e9riques, comme la n\u00f4tre, permettent d\u2019atteindre plus facilement ces personnes et d\u2019en faire des clients.<\/p>\r\n\r\n[caption id=\"attachment_100332\" align=\"aligncenter\" width=\"2189\"]<img class=\"size-full wp-image-100332\" 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>Enfin, vers la fin de l\u2019ann\u00e9e ou en d\u00e9but d\u2019ann\u00e9e prochaine, le gouvernement va lancer une nouvelle plateforme \u00ab\u00a0open banking\u00a0\u00bb, qui contiendra toutes les donn\u00e9es financi\u00e8res d\u2019un client. Auparavant, ces informations appartenaient aux banques et seules elles pouvaient les exploiter. D\u00e9sormais, tous les fournisseurs de services financiers pourront y acc\u00e9der. Cela permettra d\u2019\u00e9quilibrer la balance entre les grands acteurs historiques et les plus petits fournisseurs, ce qui \u00e9largira le choix des consommateurs et offrira un avantage commercial \u00e0 ceux qui proposent les services les plus complets et les plus pratiques\u00a0; cela deviendra une v\u00e9ritable relation avec le client.<\/p>\r\n<h2>Les banques ne resteront pas inactives face \u00e0 l\u2019\u00e9rosion de leur part de march\u00e9. Des acteurs plus petits comme Abdul Latif Jameel Finance peuvent-ils concurrencer les grandes banques\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>c\u2019est une bonne question. Je pense que les banques ne seront pas en mesure de rivaliser dans l\u2019univers num\u00e9rique pour deux raisons. Premi\u00e8rement, l\u2019agilit\u00e9\u00a0: elles doivent tenir compte d\u2019\u00e9normes syst\u00e8mes et mod\u00e8les commerciaux h\u00e9rit\u00e9s. Elles ne peuvent pas simplement changer de direction du jour au lendemain. Elles sont comme des p\u00e9troliers g\u00e9ants. M\u00eame si elles voulaient changer de direction, il leur faudra des ann\u00e9es pour le faire. Deuxi\u00e8mement, je ne crois pas que les banques saoudiennes aient encore pleinement r\u00e9alis\u00e9 \u00e0 quel point les Fintechs sont \u00ab\u00a0dangereuses\u00a0\u00bb pour leurs activit\u00e9s. Elles ont joui d\u2019une position extr\u00eamement privil\u00e9gi\u00e9e sur le march\u00e9 - et continuent de le faire. Tous les salari\u00e9s du pays doivent poss\u00e9der un compte bancaire pour recevoir leur salaire, par exemple. Les banques disposent donc de cette vaste base de clients par d\u00e9faut \u00e0 laquelle elles peuvent vendre d\u2019autres produits. L\u2019open banking va changer tout cela. Il sera tr\u00e8s facile pour les consommateurs de passer d\u2019une banque \u00e0 une autre, d\u2019un fournisseur \u00e0 un autre.<\/p>\r\n<p>Cela dit, les banques \u00e9voluent. Elles investissent dans le num\u00e9rique et offrent de meilleurs services. Mais je ne pense pas qu\u2019elles puissent rivaliser avec les capacit\u00e9s num\u00e9riques, la focalisation ou la flexibilit\u00e9 des Fintech et des petits fournisseurs plus agiles comme Abdul Latif Jameel Finance, \u00e0 moyen terme du moins.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100297\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Jeddah.jpg\" alt=\"ALJ Finance Saudi Arabia\" width=\"1516\" height=\"841\" \/><\/p>\r\n<h2>Quels sont vos objectifs pour Abdul Latif Jameel Finance\u00a0?<\/h2>\r\n<p><strong>KK\u00a0: <\/strong>nous avons une strat\u00e9gie de croissance agressive pour les prochaines ann\u00e9es, notamment sur le plan num\u00e9rique. L\u2019une des principales mesures que nous avons prises a \u00e9t\u00e9 de cr\u00e9er une entreprise d\u00e9di\u00e9e \u00e0 l\u2019innovation num\u00e9rique au sein d\u2019Abdul Latif Jameel Finance. Il s\u2019agit d\u2019une entreprise au sein d\u2019une entreprise, avec ses propres objectifs, strat\u00e9gies et r\u00e9sultats, ax\u00e9e uniquement sur l\u2019exploitation de la technologie pour am\u00e9liorer notre offre et attirer davantage de clients. Un domaine cl\u00e9 pour nous sera les PME et la fa\u00e7on dont nous pouvons r\u00e9pondre \u00e0 <u>tous<\/u> leurs besoins financiers en une seule relation.<\/p>\r\n<p>En outre, nous allons poursuivre certaines activit\u00e9s que nous exer\u00e7ons actuellement, mais enti\u00e8rement en ligne, ce qui pourrait nous obliger \u00e0 consolider notre pr\u00e9sence physique dans les succursales. Quoi que nous fassions, l\u2019objectif reste le m\u00eame\u00a0: faire en sorte que les clients puissent utiliser nos services et acc\u00e9der \u00e0 nos produits de la mani\u00e8re la plus simple, la plus rapide et la plus satisfaisante possible. C\u2019est un projet unique dans lequel nous sommes pleinement engag\u00e9s.<\/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\/fr\/wp-json\/wp\/v2\/perspectives\/15641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media\/15618"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media?parent=15641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}