{"id":16059,"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-4\/"},"modified":"2026-05-12T11:24:20","modified_gmt":"2026-05-12T11:24:20","slug":"sharing-the-ride-with-careem-4","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/perspectives\/sharing-the-ride-with-careem-4\/","title":{"rendered":"Partager le trajet avec 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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mars\u00a02023, <\/em><a href=\"https:\/\/aljfinance.com\/\"><em>Abdul Latif Jameel Finance<\/em><\/a><em><u> Arabie Saoudite<\/u><\/em><em> et <\/em><a href=\"https:\/\/www.careem.com\/\"><em>Careem<\/em><\/a><em>, la premi\u00e8re plateforme multiservices de la r\u00e9gion, ont annonc\u00e9 le lancement d\u2019un <\/em><a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-car-financing-program-for-careem-captains\/\"><em>nouveau programme de financement<\/em><\/a><em> con\u00e7u sp\u00e9cifiquement pour permettre aux chauffeurs saoudiens de Careem, ou \u00ab\u00a0captains\u00a0\u00bb, de financer leurs propres v\u00e9hicules.<\/em> <em>Pour de nombreux captains Careem, la principale source de revenus provient de l\u2019application de transport avec chauffeur. Le programme leur propose des plans de financement flexibles et des versements \u00e9chelonn\u00e9s pour acqu\u00e9rir n\u2019importe quel nouveau mod\u00e8le aupr\u00e8s de plusieurs marques, notamment Toyota, Lexus, KIA, Hyundai, Geely, Suzuki et MG. <\/em><a href=\"https:\/\/alj.com\/fr\/our-people\/dr-khalid-d-al-karimy\/\"><em>Khalid Al Karimy<\/em><\/a><em>, PDG d\u2019Abdul Latif Jameel Finance Arabie Saoudite, et Ahmad Arrabi, directeur g\u00e9n\u00e9ral de Careem Arabie Saoudite, nous ont parl\u00e9 de ce partenariat et de ce qu\u2019il implique pour chaque entreprise.<\/em>\r\n<h2>Pouvez-vous nous renseigner sur les activit\u00e9s d\u2019Abdul Latif Jameel Finance en Arabie saoudite ?<\/h2>\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 \/><br \/>Pr\u00e9sident-directeur g\u00e9n\u00e9ral<br \/><br \/>Abdul Latif Jameel Finance, Arabie saoudite[\/caption]\r\n\r\n<strong>KAK\u00a0:<\/strong> Abdul Latif Jameel Finance a d\u00e9but\u00e9 il y a plus de 40\u00a0ans comme l\u2019une des premi\u00e8res soci\u00e9t\u00e9s de financement automobile en Arabie Saoudite. Au d\u00e9part, nous ne financions que des v\u00e9hicules Toyota, mais nous avons progressivement \u00e9largi nos services, si bien que nous proposons aujourd\u2019hui des financements pour de multiples marques. Au cours des six ou sept derni\u00e8res ann\u00e9es, nous avons \u00e9galement commenc\u00e9 \u00e0 financer d\u2019autres domaines, comme les appareils m\u00e9nagers, les dispositifs m\u00e9dicaux et les \u00e9quipements sportifs.\r\n\r\nPlus r\u00e9cemment, nous avons commenc\u00e9 \u00e0 proposer des financements de tr\u00e9sorerie aux particuliers et aux petites entreprises (PME).\r\n\r\nD\u2019un point de vue interne, l\u2019une des plus grandes \u00e9volutions pour nous a \u00e9t\u00e9 l\u2019int\u00e9gration de deux autres entit\u00e9s Abdul Latif Jameel dans Abdul Latif Jameel Finance, \u00e0 savoir Abdul Latif Jameel United Real Estate Finance Company, qui propose diff\u00e9rentes solutions financi\u00e8res pour l\u2019immobilier, et Bab Rizq Jameel Microfinance, qui propose des \u00ab\u00a0pr\u00eats productifs\u00a0\u00bb aux particuliers et microentreprises.\r\n\r\n \r\n<h2>Ahmad, pouvez-vous nous parler du d\u00e9veloppement de Careem en Arabie saoudite ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> Careem a d\u00e9marr\u00e9 \u00e0 Duba\u00ef (\u00c9AU) en\u00a02012 et s\u2019est \u00e9tendu \u00e0 l\u2019Arabie saoudite en\u00a02013. \u00c0 l\u2019\u00e9poque, nous nous concentrions principalement sur le transport avec chauffeur, le d\u00e9placement des personnes au sein et entre les villes\u00a0; Careem est d\u2019ailleurs rapidement devenue l\u2019une des plus grandes soci\u00e9t\u00e9s de transport avec chauffeur de la r\u00e9gion. Nous couvrons d\u00e9sormais plus de 70\u00a0villes de la r\u00e9gion, du Maroc au Pakistan. En\u00a02019, Careem a \u00e9t\u00e9 rachet\u00e9e par Uber, bien qu\u2019elle op\u00e8re toujours sous la marque Careem au Moyen-Orient.\r\n\r\nLe transport avec chauffeur reste le \u00ab\u00a0fer de lance\u00a0\u00bb de nos services. Non seulement en termes de chiffres, mais aussi en termes de perception par nos clients, car c\u2019est notre principale activit\u00e9 depuis 10\u00a0ans. Depuis\u00a02017, cependant, nous d\u00e9veloppons Careem en tant que \u00ab\u00a0super application\u00a0\u00bb proposant toute une s\u00e9rie de services, comme la livraison de nourriture, ainsi que des services de fintech (technologie financi\u00e8re) avec Careem\u00a0Pay, tous reli\u00e9s par notre service d\u2019abonnement \u00e0 forte valeur ajout\u00e9e Careem\u00a0Plus. Notre super application conna\u00eet un franc succ\u00e8s \u00e0 Duba\u00ef et dans plusieurs autres villes. Notre objectif est de l\u2019\u00e9tendre \u00e0 un plus grand nombre de villes au cours des deux prochaines ann\u00e9es.\r\n\r\nEn avril\u00a02023, nous avons accueilli un nouveau partenaire\u00a0: e&. L\u2019op\u00e9rateur r\u00e9gional de t\u00e9l\u00e9communications et groupe d\u2019investissement technologique a annonc\u00e9 un investissement de 400\u00a0millions de dollars dans la super application Careem.\r\n\r\n[caption id=\"attachment_106601\" align=\"aligncenter\" width=\"2456\"]<img class=\"size-full wp-image-106601\" 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\u00a0Arrabi (gauche), directeur g\u00e9n\u00e9ral de Careem Arabie Saoudite et Khalid\u00a0Al\u00a0Karimy (droite), PDG d\u2019Abdul Latif Jameel Finance, lors de la signature du nouveau programme de financement pour les captains Careem en mars\u00a02023[\/caption]\r\n<h2>En quoi les captains sont-ils importants dans la r\u00e9alisation des objectifs de Careem ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> Qu\u2019il s\u2019agisse de services de transport avec ou sans chauffeur, les captains sont le principal pilier de notre activit\u00e9. Un captain heureux fournit un bon service, qu\u2019il s\u2019agisse d\u2019une course ou d\u2019une livraison de courses. Il est donc important d\u2019appr\u00e9hender leurs besoins pour s\u2019assurer que leur exp\u00e9rience sur la plateforme est satisfaisante et de comprendre ce qui pourrait emp\u00eacher les nouveaux captains de rejoindre le secteur.\r\n\r\nHistoriquement, la r\u00e9glementation imposait aux nouveaux captains d\u2019\u00eatre propri\u00e9taires de leur v\u00e9hicule pour exercer, ce qui pouvait constituer un frein.\r\n\r\n<img class=\"alignleft size-thumbnail wp-image-107943\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/CAREEM_LOGO_GREEN_WINK-140x150.png\" alt=\"Careem logo wink\" width=\"140\" height=\"150\" \/>Reconnaissant que cette situation entravait la croissance du secteur, l\u2019Autorit\u00e9 g\u00e9n\u00e9rale des transports d\u2019Arabie saoudite a modifi\u00e9 la r\u00e9glementation en\u00a02022, de sorte que les captains n\u2019ont plus besoin de poss\u00e9der leur voiture, du moment qu\u2019ils disposent d\u2019un permis pour la conduire.\r\n\r\nIl s\u2019agit d\u2019un changement important qui a permis \u00e0 un plus grand nombre de Saoudiens d\u2019acc\u00e9der \u00e0 des revenus plus flexibles en tant que captains Careem. Mais il restait un segment du march\u00e9 qui souhaitait avoir acc\u00e8s au financement automobile pour acheter son propre v\u00e9hicule et devenir captain. Or, beaucoup d\u2019entre eux ne pouvaient pas acc\u00e9der aux produits de financement traditionnels propos\u00e9s par les banques en raison des restrictions s\u00e9v\u00e8res impos\u00e9es \u00e0 l\u2019\u00e9ligibilit\u00e9, puisqu\u2019ils n\u2019avaient pas d\u2019emploi \u00e0 temps plein. Ainsi, m\u00eame si vous exerciez \u00e0 temps plein en tant que captain Careem et que vous gagniez correctement votre vie, vous ne pouviez g\u00e9n\u00e9ralement pas obtenir de pr\u00eat bancaire traditionnel pour acheter un v\u00e9hicule.\r\n\r\n<img class=\"aligncenter size-full wp-image-107915\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/224A1671-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/>\r\n<h2>Comment le march\u00e9 de la finance en Arabie Saoudite a-t-il \u00e9volu\u00e9 au cours des derni\u00e8res ann\u00e9es et comment ces changements ont-ils affect\u00e9 Abdul Latif Jameel Finance ?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> Historiquement, le secteur financier saoudien a \u00e9t\u00e9 domin\u00e9 par les banques, qui ont eu tendance \u00e0 adopter une approche conservatrice en mati\u00e8re de pr\u00eats. Cette situation a chang\u00e9 au cours de la derni\u00e8re d\u00e9cennie, en particulier depuis le lancement de <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision\u00a02030<\/a> en\u00a02016. La <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Banque centrale d\u2019Arabie saoudite<\/a> (SAMA) a modernis\u00e9 le cadre r\u00e9glementaire des services financiers afin de mieux l\u2019adapter \u00e0 l\u2019\u00e9volution des besoins des consommateurs actuels. Parmi les changements, on peut citer la cr\u00e9ation d\u2019un \u00ab\u00a0environnement\u00a0\u00bb r\u00e9glementaire qui permet aux entreprises fintech, principalement les startups, de d\u00e9velopper et d\u2019affiner leurs activit\u00e9s dans un environnement moins restrictif. Une fois la preuve de concept perfectionn\u00e9e, ils passent de l\u2019environnement d\u2019exp\u00e9rimentation au march\u00e9 plus large.\r\n\r\n<img class=\"alignleft size-medium wp-image-107968\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-Jameel-1-1-193x300.jpg\" alt=\"Cash Jameel screenshot\" width=\"193\" height=\"300\" \/>Ces changements nous ont affect\u00e9s dans deux directions. Premi\u00e8rement : cela nous a ouvert de nouvelles opportunit\u00e9s en termes de num\u00e9risation. Nous avons cr\u00e9\u00e9 une unit\u00e9 d\u00e9di\u00e9e au sein de la soci\u00e9t\u00e9, appel\u00e9e Digital Business, afin de g\u00e9n\u00e9rer des revenus \u00e0 partir d\u2019initiatives num\u00e9riques, parmi lesquelles <a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-new-mobile-app-cash-loan-product-in-saudi-arabia\/\">Cash\u00a0Jameel<\/a>, un pr\u00eat en esp\u00e8ces auquel vous pouvez acc\u00e9der via votre t\u00e9l\u00e9phone portable. Nous disposons \u00e9galement d\u2019un outil de commerce \u00e9lectronique automobile qui vous permet de demander un pr\u00eat, de v\u00e9rifier votre identit\u00e9, de s\u00e9lectionner un v\u00e9hicule et tout le reste via l\u2019application, sans avoir \u00e0 vous rendre dans un hall d\u2019exposition physique. Nous lan\u00e7ons aussi une plateforme num\u00e9rique destin\u00e9e aux PME, qui leur permettra de demander un pr\u00eat, d\u2019effectuer des contr\u00f4les de diligence raisonnable et d\u2019obtenir un financement, le tout via l\u2019application.\r\n\r\nNous ne pourrions rien faire de tout cela sans l\u2019\u00e9cosyst\u00e8me fintech favorable \u00e0 l\u2019innovation en Arabie saoudite.\r\n\r\nLe deuxi\u00e8me impact majeur est que le comportement et les attentes des gens ont chang\u00e9. En Arabie saoudite, les consommateurs sont tr\u00e8s au fait des nouvelles technologies. Le pays abrite sans doute l\u2019une des bases d\u2019utilisateurs \u00e0 la croissance la plus rapide au monde en ce qui concerne les applications de r\u00e9seaux sociaux comme Twitter, par exemple. Les gens ici sont tr\u00e8s \u00e0 l\u2019aise dans l\u2019espace num\u00e9rique. Ils savent comment naviguer dans ce type de services en ligne et s\u2019attendent de plus en plus \u00e0 pouvoir le faire.\r\n\r\n<img class=\"aligncenter size-full wp-image-107936\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-jameel-3-scaled.jpg\" alt=\"\" width=\"2560\" height=\"2560\" \/>\r\n<h2>Comment est n\u00e9 le partenariat avec Abdul Latif Jameel\u00a0 Finance ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> Alors que la demande de services de transport avec chauffeur augmentait pendant la pand\u00e9mie de COVID-19, nous avions du mal \u00e0 attirer de nouveaux captains pour accro\u00eetre notre offre. Nous avons commenc\u00e9 \u00e0 explorer de nouvelles id\u00e9es pour les encourager \u00e0 se lancer dans l\u2019industrie, l\u2019une d\u2019entre elles \u00e9tant d\u2019aborder la question du financement des v\u00e9hicules. Quelques initiatives similaires avaient \u00e9t\u00e9 mises en \u0153uvre dans la r\u00e9gion, mais pas \u00e0 cette \u00e9chelle. Nous avons discut\u00e9 avec Abdul Latif Jamel Finance pour voir si nous pouvions faire quelque chose pour faciliter le financement de v\u00e9hicule par les captains, et ce partenariat est n\u00e9.\r\n<h2>Abdul Latif Jameel Finance est sur le march\u00e9 du financement automobile depuis plus de 40\u00a0ans. Qu\u2019est-ce qui vous a attir\u00e9 dans cette opportunit\u00e9 avec Careem\u00a0?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> Nous avons vu une opportunit\u00e9 int\u00e9ressante de d\u00e9velopper notre activit\u00e9 tout en r\u00e9pondant aux besoins de Careem et de ses captains. Jusqu\u2019\u00e0 pr\u00e9sent, il \u00e9tait tr\u00e8s difficile pour les captains Careem d\u2019obtenir le financement de leurs v\u00e9hicules. Beaucoup d\u2019entre eux ne sont pas salari\u00e9s et ne peuvent donc satisfaire l\u2019\u00e9valuation de cr\u00e9dit des banques traditionnelles. Cependant, nous traitons avec des ind\u00e9pendants depuis un certain temps et connaissons bien ce march\u00e9. Nous y avons vu une excellente opportunit\u00e9, car nous aidons les jeunes entrepreneurs saoudiens \u00e0 acc\u00e9der au march\u00e9 des services financiers. Les pr\u00eats seront fructueux, car ils serviront \u00e0 acheter un v\u00e9hicule aupr\u00e8s de nous, ce qui leur permettra de g\u00e9n\u00e9rer un revenu. Dans le m\u00eame temps, c\u2019est un moyen pour nous d\u2019\u00e9tendre notre client\u00e8le \u00e0 ce segment du march\u00e9\u00a0: des personnes engag\u00e9es, entreprenantes et d\u00e9termin\u00e9es \u00e0 gagner leur vie.\r\n<h2>Comment Abdul Latif Jameel Finance a-t-il pu combler un vide financier que les banques n\u2019\u00e9taient pas en mesure de combler\u00a0?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> En tant que soci\u00e9t\u00e9 de financement automobile, nous pouvons l\u2019aborder du point de vue du v\u00e9hicule et du point de vue du pr\u00eat. Les banques se concentrent uniquement sur l\u2019argent. C\u2019est peut-\u00eatre la diff\u00e9rence fondamentale entre nous. Nous savions que les captains Careem n\u2019\u00e9taient pas salari\u00e9s. Nous avons donc travaill\u00e9 en \u00e9troite collaboration avec Careem pour comprendre les profils de revenus typiques de leurs chauffeurs. Careem nous a d\u00e9montr\u00e9 que les chauffeurs gagneraient une certaine somme d\u2019argent moyenne par an. Sur cette base, nous avons cr\u00e9\u00e9 ensemble ce produit, adapt\u00e9 aux captains Careem. C\u2019est un risque calcul\u00e9, mais que nous \u00e9tions pr\u00eats \u00e0 prendre, si l\u2019opportunit\u00e9 se pr\u00e9sentait, dans le cadre de notre vision ayant pour but de favoriser l\u2019inclusion financi\u00e8re. Une garantie suppl\u00e9mentaire est fournie par le fait que le v\u00e9hicule lui-m\u00eame reste au nom d\u2019Abdul Latif Jameel Finance jusqu\u2019\u00e0 ce que le pr\u00eat soit rembours\u00e9. Donc, si quelque chose se passe mal, nous poss\u00e9dons toujours l\u2019actif.\r\n<h2>L\u2019accord de financement couvre-t-il les v\u00e9hicules hybrides et \u00e9lectriques, comme les v\u00e9hicules \u00e0 moteur \u00e0 combustion traditionnels ?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> Absolument, cela couvre tout type de transmission. Les ventes de v\u00e9hicules hybrides augmentent et Toyota propose quelques mod\u00e8les qui connaissent un grand succ\u00e8s sur le march\u00e9. Le march\u00e9 des v\u00e9hicules exclusivement \u00e9lectriques n\u2019est pas encore si solide en Arabie saoudite, en raison des perceptions du public et du manque d\u2019infrastructures. Mais le gouvernement travaille dur pour y rem\u00e9dier et dans les cinq \u00e0 dix prochaines ann\u00e9es, nous pr\u00e9voyons \u00e9galement une forte croissance des v\u00e9hicules \u00e9lectriques.\r\n<h2>Souhaitez-vous atteindre un nombre cible de captains avec ce produit ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> La priorit\u00e9 est de commencer avec les premiers chauffeurs et d\u2019utiliser cette exp\u00e9rience pour affiner progressivement le programme. Nous ne voulons pas nous laisser distraire en fixant des objectifs arbitraires qui finissent par r\u00e9duire notre libert\u00e9 d\u2019innover et d\u2019it\u00e9rer. Le partenariat avec Abdul Latif Jameel Finance a d\u00e9j\u00e0 suscit\u00e9 beaucoup d\u2019int\u00e9r\u00eat\u00a0; nous sommes donc convaincus qu\u2019il se d\u00e9veloppera rapidement une fois que nous aurons perfectionn\u00e9 la conception du programme.\r\n<h2>Est-il important pour vous de travailler avec des partenaires partageant la m\u00eame vision et les m\u00eames valeurs ?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> Absolument\u00a0! En tant qu\u2019organisation et en tant que famille, <a href=\"https:\/\/alj.com\/fr\/\">Abdul Latif Jameel<\/a>, a une vision tr\u00e8s forte et un ensemble de valeurs partag\u00e9 dans toute l\u2019entreprise. Nous nous engageons en faveur de la <a href=\"https:\/\/www.communityjameelsaudi.org\/en\/\">philanthropie<\/a>, du d\u00e9veloppement social et de la responsabilisation des personnes et des communaut\u00e9s afin qu\u2019elles m\u00e8nent des vies heureuses et productives. Ces valeurs rejoignent la mission de Careem visant \u00e0 cr\u00e9er des opportunit\u00e9s d\u2019emploi et permettre aux gens de gagner leur vie par eux-m\u00eames et pour leurs familles.\r\n\r\nCette philosophie correspond \u00e0 notre nouveau slogan \u00ab\u00a0<em>tamkin<\/em>\u00a0\u00bb, qui signifie en fran\u00e7ais, \u00ab\u00a0nous vous responsabilisons\u00a0\u00bb. Nous vous aidons \u00e0 trouver une voiture\u00a0; \u00e0 trouver un financement\u00a0; \u00e0 trouver un emploi et \u00e0 gagner votre vie. C\u2019est tr\u00e8s important pour nous.\r\n<h2>Quels sont les avantages pour Careem de travailler avec une entreprise comme Abdul Latif Jameel Finance ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> Nous sommes pr\u00e9sents dans la r\u00e9gion depuis 10\u00a0ans et savons qu\u2019un facteur important de la r\u00e9ussite de tout nouveau programme est de trouver le bon partenaire. Un partenaire qui partage votre mission et votre vision contribuera au d\u00e9veloppement du programme et \u00e0 l\u2019\u00e9largissement de son potentiel. Abdul Latif Jameel Finance Arabie saoudite a d\u00e9j\u00e0 clairement d\u00e9montr\u00e9 qu\u2019elle partageait les m\u00eames ambitions pour faire de ce programme une r\u00e9ussite au cours des prochaines ann\u00e9es. Notre mission est de simplifier la vie des gens. Nous ne pouvons pas le faire si l\u2019exp\u00e9rience propos\u00e9e n\u2019est pas optimale pour les captains qui s\u2019inscrivent chez nous. Abdul Latif Jameel jouit d\u2019une solide r\u00e9putation, bas\u00e9e sur sa cr\u00e9dibilit\u00e9 et sa fiabilit\u00e9. Notre partenariat va permettre de proposer la meilleure exp\u00e9rience possible \u00e0 nos captains.\r\n\r\n<img class=\"aligncenter size-full wp-image-107987\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-app-screenshots.jpg\" alt=\"Careem app screenshots \" width=\"1608\" height=\"1595\" \/>\r\n\r\nPour nos captains eux-m\u00eames, les avantages sont encore plus clairs\u00a0: c\u2019est un moyen pour eux d\u2019acheter un v\u00e9hicule, de gagner leur vie et d\u2019aider leur famille ainsi que leur communaut\u00e9. Pr\u00e8s de 20\u00a0% de nos captains potentiels sont bloqu\u00e9s dans le processus d\u2019enregistrement en raison de probl\u00e8mes d\u2019autorisation de propri\u00e9t\u00e9 du v\u00e9hicule, ou de v\u00e9hicules non \u00e9ligibles pour un usage comme v\u00e9hicules de transport public. R\u00e9soudre ce probl\u00e8me sera donc crucial pour eux.\r\n<h2>Careem op\u00e8re en Arabie saoudite depuis 10 ans et est pr\u00e9sente dans plusieurs pays \u00e0 travers le monde. Quelles sont vos attentes ou quels sont vos espoirs pour Careem au cours de la prochaine d\u00e9cennie ?<\/h2>\r\n<strong>AA\u00a0:<\/strong> Cela promet d\u2019\u00eatre passionnant\u00a0! Notre priorit\u00e9 absolue est le d\u00e9ploiement de notre \u00ab\u00a0super application\u00a0\u00bb, qui nous permettra de simplifier la vie d\u2019un plus grand nombre de personnes, bien au-del\u00e0 de la simple mobilit\u00e9.\r\n\r\n<img class=\"alignleft size-medium wp-image-107957\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-super-app-300x165.jpg\" alt=\"\" width=\"300\" height=\"165\" \/>La super application a d\u00e9j\u00e0 fait ses preuves aux \u00c9mirats arabes unis, o\u00f9 nous proposons plus d\u2019une douzaine de services, dont la livraison de nourriture et d\u2019\u00e9picerie, la micro-mobilit\u00e9, un portefeuille num\u00e9rique et une s\u00e9rie de services fintech, ainsi que des services tiers suppl\u00e9mentaires comme le nettoyage \u00e0 domicile, la location de voitures et la blanchisserie.\r\n\r\nApr\u00e8s extension de ces services \u00e0 l\u2019Arabie saoudite et \u00e0 la Jordanie, nous entendons les introduire dans d\u2019autres pays dans les ann\u00e9es \u00e0 venir.\r\n\r\nNous pensons que l\u2019opportunit\u00e9 d\u2019une super application dans notre r\u00e9gion est \u00e9norme. Tant de difficult\u00e9s quotidiennes peuvent \u00eatre r\u00e9solues par des services num\u00e9riques, et il n\u2019y a pas d\u2019acteurs dominants dans notre r\u00e9gion qui proposent la commodit\u00e9 et la valeur ajout\u00e9e d\u2019une super application. En outre, le Moyen-Orient est l\u2019une des r\u00e9gions du monde o\u00f9 l\u2019engagement num\u00e9rique des consommateurs est le plus \u00e9lev\u00e9. En Arabie saoudite et aux \u00c9mirats arabes unis, l\u2019adoption du num\u00e9rique (moyenne des utilisateurs de chaque secteur ayant interagi avec lui par le biais de canaux num\u00e9riques ou \u00e0 distance) s\u2019\u00e9l\u00e8ve \u00e0 78\u00a0%. Et les march\u00e9s \u00e9mergents sont ceux qui ont connu la plus forte croissance des t\u00e9l\u00e9chargements d\u2019applications ces derni\u00e8res ann\u00e9es.\r\n\r\nCareem est incroyablement bien plac\u00e9e pour saisir cette opportunit\u00e9. Nous avons d\u00e9j\u00e0 simplifi\u00e9 la vie de plus de 50\u00a0millions de clients et cr\u00e9\u00e9 plus de 2,5\u00a0millions d\u2019opportunit\u00e9s de revenus pour les captains. Nous disposons maintenant de deux partenaires puissants, Uber et e&, pour cr\u00e9er des entreprises leaders sur nos march\u00e9s cl\u00e9s et d\u00e9velopper la super application.\r\n\r\nNous voulons faire de Careem la premi\u00e8re application vers laquelle se tourner, car elle rend la vie plus facile et plus pratique. Qu\u2019il s\u2019agisse de commander vos courses ou de payer vos factures, d\u2019emmener vos enfants \u00e0 l\u2019\u00e9cole ou d\u2019envoyer de l\u2019argent \u00e0 votre famille\u00a0; vous pourrez tout faire par l\u2019interm\u00e9diaire de Careem.\r\n\r\n<img class=\"aligncenter size-full wp-image-107950\" 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>De m\u00eame, quels sont vos projets pour Abdul Latif Jameel Finance Arabie saoudite au cours des prochaines ann\u00e9es et comment le partenariat avec Careem vous aidera-t-il \u00e0 les r\u00e9aliser ?<\/h2>\r\n<strong>KAK\u00a0:<\/strong> Notre objectif est de continuer \u00e0 diversifier nos produits et nos clients\u00a0; ce que le partenariat avec Careem nous aidera sans aucun doute \u00e0 r\u00e9aliser.\r\n\r\nNotre programme de num\u00e9risation sera \u00e9galement un \u00e9l\u00e9ment central de notre strat\u00e9gie de croissance.\r\n\r\nNous explorons en permanence de nouveaux moyens de tirer parti de la technologie num\u00e9rique pour \u00e9largir notre port\u00e9e et permettre aux communaut\u00e9s mal desservies d\u2019acc\u00e9der \u00e0 des produits financiers qui facilitent leur vie. Nous voulons qu\u2019il soit aussi facile que possible pour les gens d\u2019acc\u00e9der \u00e0 une large gamme de produits financiers rapidement, facilement et en toute s\u00e9curit\u00e9 depuis chez eux. Pour y parvenir, il est essentiel de continuer \u00e0 investir dans la num\u00e9risation, et c\u2019est ce sur quoi nous nous concentrerons au cours des prochaines ann\u00e9es.\r\n\r\n<img class=\"aligncenter size-full wp-image-107908\" 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":["30"],"_yoast_wpseo_estimated-reading-time-minutes":["14"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives\/16059","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\/16033"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media?parent=16059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}