{"id":15647,"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-7\/"},"modified":"2026-05-12T13:27:18","modified_gmt":"2026-05-12T13:27:18","slug":"digital-future-for-saudi-financial-services-7","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/perspectives\/digital-future-for-saudi-financial-services-7\/","title":{"rendered":"Suudi finansal hizmetlerinin dijital gelece\u011fi"},"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-15647","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nSuudi finansal hizmetlerinin dijital gelece\u011fi - 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=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Suudi finansal hizmetlerinin dijital gelece\u011fi - 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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Hizmetler"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["100614"],"_short_title":["field_60925d67125ef"],"short_title":["Suudi finansal hizmetlerinin dijital gelece\u011fi"],"_summary":["field_6019304103a20"],"summary":["<p>Suudi Arabistan\u2019daki finansal hizmetler sekt\u00f6r\u00fc ciddi bir d\u00f6n\u00fc\u015f\u00fcm ge\u00e7iriyor. <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vizyon 2030<\/a> ulusal kalk\u0131nma stratejisinin 12 \u201cger\u00e7ekle\u015ftirme program\u0131\u201dndan biri olarak, \u00fclkenin iddial\u0131 hedeflerine do\u011fru ilerlerken finans sekt\u00f6r\u00fc, desteklemede \u00f6ncelikli sekt\u00f6r olarak belirlenmi\u015ftir.<\/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\":1698,\"to_translate\":{\"ar\":1698,\"zh-hans\":1698,\"fr\":1698,\"ja\":1698,\"es\":1698,\"tr\":1698}}"],"_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":["1778592368:22"],"content":["<p><img class=\"alignright size-medium wp-image-100328\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Vision-2030-300x168.jpg\" alt=\"\" width=\"300\" height=\"168\" \/>Suudi Arabistan\u2019daki finansal hizmetler sekt\u00f6r\u00fc ciddi bir d\u00f6n\u00fc\u015f\u00fcm ge\u00e7iriyor. <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vizyon 2030<\/a> ulusal kalk\u0131nma stratejisinin 12 \u201cger\u00e7ekle\u015ftirme program\u0131\u201dndan biri olarak, \u00fclkenin iddial\u0131 hedeflerine do\u011fru ilerlerken finans sekt\u00f6r\u00fc, desteklemede \u00f6ncelikli sekt\u00f6r olarak belirlenmi\u015ftir.<\/p>\r\n<p><img class=\"alignleft size-full wp-image-100293\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/FSDP-Logo.png\" alt=\"\" width=\"249\" height=\"121\" \/>Vizyon 2030\u2019a g\u00f6re, Finansal Hizmetler Geli\u015ftirme Program\u0131n\u0131n (<a href=\"https:\/\/www.vision2030.gov.sa\/v2030\/vrps\/fsdp\/\">FHGP<\/a>) amac\u0131, \u201culusal ekonominin geli\u015fimini desteklemek, gelir kaynaklar\u0131n\u0131 \u00e7e\u015fitlendirmek ve tasarruf, finans ve yat\u0131r\u0131mlar\u0131 te\u015fvik etmek i\u00e7in farkl\u0131 alanlarda faaliyet g\u00f6steren, etkili bir finans sekt\u00f6r\u00fc olu\u015fturmakt\u0131r.\u201d<\/p>\r\n<p><a href=\"https:\/\/www.aljfinance.com\/index.aspx\">Abdul Latif Jameel Finance<\/a>, Suudi Arabistan\u2019da 1979 y\u0131l\u0131ndan beri 43 y\u0131ldan uzun s\u00fcredir faaliyet g\u00f6stermektedir ve bu dinamik pazarda de\u011fi\u015fimin desteklenmesine yard\u0131mc\u0131 olan \u015firketlerden biridir.<\/p>\r\n<p>Suudi Arabistan\u2019da Abdul Latif Jameel Finance CEO\u2019su olan <a href=\"https:\/\/alj.com\/en\/our-people\/dr-khalid-d-al-karimy\/\">Dr. Khalid Al Karimy<\/a> ile Suudi finansal hizmetler sekt\u00f6r\u00fcn\u00fcn geli\u015fimi, i\u015f planlar\u0131 ve b\u00fcy\u00fcme f\u0131rsatlar\u0131 hakk\u0131nda konu\u015ftuk.<\/p>\r\n\r\n[caption id=\"attachment_96465\" align=\"alignleft\" width=\"232\"]<img class=\"size-medium wp-image-96465\" 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\n\u0130cra Kurulu Ba\u015fkan\u0131<br \/>\r\nAbdul Latif Jameel Finance, Suudi Arabistan[\/caption]\r\n\r\n<h2>Abdul Latif Jameel\u2019de ne kadar s\u00fcredir \u00e7al\u0131\u015f\u0131yorsunuz?<\/h2>\r\n<p><strong>KK: <\/strong>Abdul Latif Jameel Finance\u2019e 2009 y\u0131l\u0131nda kat\u0131ld\u0131m. \u015eirkete kat\u0131ld\u0131\u011f\u0131m tarihten bu yana \u0130K, BT ve idari hizmetler dahil olmak \u00fczere \u0130K Direkt\u00f6rl\u00fc\u011f\u00fcnden Y\u00f6netici Direkt\u00f6rl\u00fc\u011fe kadar farkl\u0131 g\u00f6revler \u00fcstlendim. \u0130ki y\u0131l sonras\u0131nda Operasyondan Sorumlu Y\u00f6netici oldum. Bu y\u0131l Ocak ay\u0131nda \u0130cra Kurulu Ba\u015fkan\u0131 rol\u00fcn\u00fc \u00fcstlendim.<\/p>\r\n<h2>\u0130\u015fe ba\u015flamadan \u00f6nce Abdul Latif Jameel Finance\u2019i ne kadar tan\u0131yordunuz?<\/h2>\r\n<p><strong>KK: <\/strong>Abdul Latif Jameel, Suudi Arabistan\u2019daki en \u00fcnl\u00fc aile \u015firketi markalar\u0131ndan biridir. Bu nedenle ismini ve sayg\u0131n konumunu zaten biliyordum ama i\u015flerinin tam olarak hangi boyutlarda oldu\u011funu bilmiyordum.<\/p>\r\n<p>Toyota distrib\u00fct\u00f6rl\u00fc\u011f\u00fc i\u015fi ve Bab Rizq Jameel gibi baz\u0131 sosyal ve toplumsal faaliyetlerini duymu\u015ftum.<\/p>\r\n<p>Finans alan\u0131ndaki i\u015fleri hakk\u0131nda da biraz bilgim vard\u0131, ancak bunun ayr\u0131 ve kendi ba\u015f\u0131na b\u00f6ylesine b\u00fcy\u00fck bir \u015firket oldu\u011funu fark etmemi\u015ftim.<\/p>\r\n<h2>Sizi bu f\u0131rsata \u00e7eken neydi?<\/h2>\r\n<p><strong>KK: <\/strong>Asl\u0131nda, iki nedeni vard\u0131: Genel anlamda Abdul Latif Jameel markas\u0131n\u0131n prestiji ve daha spesifik olarak \u00f6zellikle IDB\u2019deki \u00f6nceki deneyimim g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda kariyerimi h\u0131zla b\u00fcy\u00fcyen finansal hizmetler sekt\u00f6r\u00fcnde geli\u015ftirme f\u0131rsat\u0131 beni buraya \u00e7ekti.<\/p>\r\n<h2>Suudi Arabistan\u2019daki t\u00fcketici finansman\u0131 pazar\u0131 son y\u0131llarda nas\u0131l geli\u015fti?<\/h2>\r\n<p><strong>KK: <\/strong>Suudi Arabistan\u2019daki t\u00fcketici finansman\u0131 pazar\u0131 son birka\u00e7 y\u0131lda \u00e7ok h\u0131zl\u0131 bir \u015fekilde b\u00fcy\u00fcd\u00fc. Eskiden \u00e7ok geleneksel bir piyasayd\u0131. Bankalar en b\u00fcy\u00fck oyunculard\u0131 ve pazara hakimlerdi. Abdul Latif Jameel Finance dahil olmak \u00fczere birka\u00e7 yeni oyuncu kademeli olarak pazara girmeye ba\u015flad\u0131. Bu de\u011fi\u015fim, son be\u015f y\u0131lda \u00e7ok daha fazla ivme kazand\u0131. Vizyon 2030, \u00fclkenin finansal hizmetler sekt\u00f6r\u00fcndeki geni\u015fleme i\u00e7in iddial\u0131 bir vizyon ortaya koyuyor ve bu d\u00f6n\u00fc\u015f\u00fcm ger\u00e7ekle\u015fmeye \u00e7oktan ba\u015flad\u0131. Pek \u00e7ok k\u00fc\u00e7\u00fck finansal teknoloji \u015firketi ortaya \u00e7\u0131kt\u0131 ve pazar pay\u0131 elde etti. Bankalar buna kendi dijital tekliflerine yat\u0131r\u0131m yaparak yan\u0131t verdi. Bu piyasa \u00e7ok dinamik bir yap\u0131ya sahip. Son birka\u00e7 y\u0131lda b\u00fcy\u00fck bir de\u011fi\u015fime tan\u0131kl\u0131k etti ve giderek daha da h\u0131zlan\u0131yor.<\/p>\r\n<h2>Potansiyeli en fazla b\u00fcy\u00fcme alanlar\u0131 nelerdir?<\/h2>\r\n<p><strong>KK: <\/strong>Pazarda b\u00fcy\u00fcmeyi sa\u011flayan iki \u00f6nemli alan g\u00f6r\u00fcyorum. \u201cNakit finansman\u0131\u201d bunlardan biridir. \u015eimdi t\u00fcketicilere finansal \u00e7\u00f6z\u00fcmler sunan birden fazla finansal teknoloji \u015firketi var. Finans hizmetlerine bu \u015fekilde eri\u015fen, \u00f6zellikle bankac\u0131l\u0131\u011f\u0131 kullanmayan insanlar\u0131n say\u0131s\u0131nda \u00f6nemli bir art\u0131\u015f g\u00f6rd\u00fck.<\/p>\r\n<p>\u0130kinci b\u00fcy\u00fck geni\u015fleme alan\u0131, Abdul Latif Jameel Finance\u2019in \u00f6zellikle aktif oldu\u011fu bir alan olan KOB\u0130 (k\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmeler) finansman\u0131d\u0131r. Bu alandaki b\u00fcy\u00fcme, muhtemelen t\u00fcketici finansman\u0131ndaki b\u00fcy\u00fcmeyi geride b\u0131rak\u0131yor. Herkesin bildi\u011fi gibi KOB\u0130 finansman\u0131 Suudi Arabistan\u2019da yeterince geli\u015fmemi\u015f bir aland\u0131. B\u00fcy\u00fck bankalar\u0131n birtak\u0131m b\u00fcrokratik uygulama s\u00fcre\u00e7leri vard\u0131 ve KOB\u0130\u2019lerin finansmana bu \u015fekilde eri\u015fmesi zordu. KOB\u0130 finansman kaynaklar\u0131n\u0131n \u00e7o\u011fu arkada\u015flardan ve aileden sa\u011flan\u0131yordu, ancak bu durum h\u0131zla de\u011fi\u015fiyor.<\/p>\r\n<p><img class=\"alignleft size-medium wp-image-100307\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Kafalah-logo-300x206.jpg\" alt=\"\" width=\"300\" height=\"206\" \/>H\u00fck\u00fcmet, piyasay\u0131 modernize etmek i\u00e7in ad\u0131mlar att\u0131. KOB\u0130\u2019lerin finansal performans\u0131n\u0131 kontrol etmeyi kolayla\u015ft\u0131rd\u0131 ve fon sa\u011flamak i\u00e7in bir banka da dahil olmak \u00fczere \u00e7e\u015fitli kurulu\u015flar\u0131n temelini att\u0131. Ayr\u0131ca, kredi geri \u00f6demeleri konusunda belirlili\u011fi ve esnekli\u011fi g\u00fc\u00e7lendirmek i\u00e7in \u0130ngilizcede \u201cgaranti\u201d anlam\u0131na gelen \u201c<a href=\"https:\/\/www.kafalah.gov.sa\/en\/Pages\/default.aspx\">Kefil program\u0131<\/a>\u201dn\u0131 da g\u00fcncellediler.<\/p>\r\n<p>B\u00fcy\u00fck bir potansiyele sahip oldu\u011fu i\u00e7in bu pazarla \u00e7ok ilgileniyoruz. Buras\u0131, en b\u00fcy\u00fck b\u00fcy\u00fcme pay\u0131m\u0131z\u0131 elde etmeyi d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcm\u00fcz alan. Finansal teknoloji \u015firketlerinin \u00e7o\u011fu t\u00fcketici taraf\u0131nda. KOB\u0130\u2019lerle pek ilgilenmiyorlar. Tamamen otomatikle\u015ftirilmi\u015f, KOB\u0130\u2019ler i\u00e7in bir risk y\u00f6netimi mod\u00fcl\u00fcn\u00fc pazara ilk sunan biz olduk. Otomatik bir al\u0131\u015fma s\u00fcreci \u00fczerinde de \u00e7al\u0131\u015f\u0131yoruz. Bunu ba\u015flatt\u0131\u011f\u0131m\u0131zda, KOB\u0130\u2019lerin finansa eri\u015fmeleri i\u00e7in eksiksiz ve sorunsuz bir dijital deneyim sunan ilk \u015firket olabiliriz.<\/p>\r\n<h2>Finansal teknoloji \u015firketleri d\u00fcnya genelinde finansal hizmetler pazar\u0131nda kurallar\u0131 de\u011fi\u015ftiriyor. Suudi Finansal Teknoloji pazar\u0131 ne kadar canl\u0131?<\/h2>\r\n<p><strong>KK: <\/strong>Finansal teknoloji \u015firketleri Suudi pazar\u0131na de\u011fi\u015fim getirdi. \u015eu anda finansal teknoloji \u015firketleri bireysel krediler, \u00f6deme i\u015flemleri, sigorta vb. olmak \u00fczere neredeyse her alanda var. E-c\u00fczdan, kredi kartlar\u0131 ve bunlara benzer hizmetler sunan telekom\u00fcnikasyon \u015firketleri gibi daha b\u00fcy\u00fck oyuncular da pazara girdi. Bankalar, kendi dijital uygulamalar\u0131n\u0131 ve platformlar\u0131n\u0131 piyasaya sunarak benzer bir ad\u0131m att\u0131lar.<\/p>\r\n<p>Abdul Latif Jameel Finance\u2019de, yak\u0131nda t\u00fcm s\u00fcreci otomatikle\u015ftiren yeni dijital nakit kredi uygulamam\u0131z\u0131 ba\u015flataca\u011f\u0131z. T\u00fcketici uygulamay\u0131 indirip krediye ba\u015fvurabilir ve birka\u00e7 dakika i\u00e7inde kredisini alabilir. Ayr\u0131ca, t\u00fcketicilerin ortaklar\u0131m\u0131zdan birinden sat\u0131n alma yapabilmesi i\u00e7in bir sat\u0131\u015f noktas\u0131 \u201c\u015fimdi al sonra \u00f6de\u201d (BNPL) \u00fcr\u00fcn\u00fcn\u00fc de sat\u0131\u015fa sunuyoruz. Bu da m\u00fc\u015fterilerimizi memnun edece\u011fimizi umdu\u011fumuz kesintisiz, sorunsuz, dost\u00e7a bir deneyim olacakt\u0131r.<\/p>\r\n<h2>Suudi Arabistan\u2019da Finansal Teknolojiler ve genel olarak dijital hizmetler ne kadar pop\u00fcler?<\/h2>\r\n<p><strong>KK: <\/strong>Dijital teknolojinin finansal hizmetlerde kullan\u0131lmas\u0131, bunun \u00e7ok pop\u00fcler oldu\u011funu kan\u0131tl\u0131yor. Bence bu Suudi Arabistan\u2019daki n\u00fcfusun yap\u0131s\u0131 ile ilgili. \u00c7ok gen\u00e7 bir n\u00fcfusa sahibiz; hepsi de teknoloji merakl\u0131s\u0131. \u00d6rne\u011fin Twitter i\u00e7in Suudi Arabistan d\u00fcnyadaki en b\u00fcy\u00fck pazarlardan biri. Suudiler teknolojiyi seviyor. Sadece mobil uygulama \u00fczerinden bir \u015feyler alma fikrini seviyorlar. Fiziksel ma\u011faza deneyimini yorucu buluyorlar. Bu finansal teknoloji \u015firketleri i\u00e7in a\u00e7\u0131k\u00e7a g\u00f6r\u00fclebilen b\u00fcy\u00fck bir avantajd\u0131r.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100321\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Riyadh-Saudi-Arabia.jpg\" alt=\"\" width=\"1516\" height=\"885\" \/><\/p>\r\n<p>Bir di\u011fer avantaj da d\u00fczenleyici kurulu\u015flar\u0131n tavr\u0131d\u0131r. <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Suudi Arabistan Merkez Bankas\u0131<\/a> finansal teknolojilere \u00e7ok destek veriyor. Finansal teknoloji \u015firketlerinin operasyonlar\u0131n\u0131 denemesi i\u00e7in bir \u201csanal pazar deneme platformu\u201d var. Bu, finansal teknoloji \u015firketleri i\u00e7in d\u00fczenlemelerin ve b\u00fcrokrasinin daha zahmetsiz oldu\u011fu bir kulu\u00e7ka merkezi gibi olduk\u00e7a \u00e7ekici bir i\u015f ortam\u0131 sunuyor.<\/p>\r\n<h2>Abdul Latif Jameel Finance\u2019in Suudi Arabistan\u2019daki geleneksel konumu neydi ve bu nas\u0131l de\u011fi\u015fiyor?<\/h2>\r\n<p><strong>KK: <\/strong>Eskiden geleneksel bir sat\u0131\u015f noktas\u0131 otomotiv finansman\u0131 \u015firketinden ba\u015fka bir \u015fey de\u011fildik. Yakla\u015f\u0131k 20 y\u0131l \u00f6nce, ev aletleri gibi t\u00fcketici \u00fcr\u00fcnleri i\u00e7in de finansman sa\u011flamaya ba\u015flad\u0131k, ancak daha fazla ilerlemedik. Ge\u00e7ti\u011fimiz birka\u00e7 y\u0131ld\u0131r KOB\u0130 pazar\u0131na odaklan\u0131yor ve nakit finansman\u0131, sat\u0131\u015f noktas\u0131 finansman\u0131, s\u00f6zle\u015fme ve fatura finansman\u0131 gibi tekliflerimize yat\u0131r\u0131m yap\u0131yor ve gelecekte daha da \u00e7e\u015fitlendirmeyi hedefliyoruz.<\/p>\r\n\r\n[caption id=\"attachment_100272\" align=\"aligncenter\" width=\"2221\"]<img class=\"size-full wp-image-100272\" 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>Ayr\u0131ca, pazardaki konumumuzu g\u00fc\u00e7lendirmek i\u00e7in birle\u015fme ve sat\u0131n alma f\u0131rsatlar\u0131n\u0131 ara\u015ft\u0131r\u0131yoruz. Bunlar\u0131n ilki, konut kredisi sa\u011flayan <a href=\"https:\/\/aljuref.com\/en\/\">Abdul Latif Jameel Real Estate Finance<\/a> ve yeni kurulan \u015firketler ve KOB\u0130\u2019ler aras\u0131nda g\u00fc\u00e7l\u00fc bir m\u00fc\u015fteri taban\u0131na sahip <a href=\"https:\/\/brjmf.com\/\">Bab Rizq Jameel Microfinance<\/a>\u2019dir. Bunlar mevcut i\u015fimizi b\u00fcy\u00fctecek ve gelece\u011fe do\u011fru at\u0131l\u0131m yapmam\u0131z\u0131 sa\u011flayacakt\u0131r. Sundu\u011fumuz hizmetleri geni\u015fletmemizi, farkl\u0131 \u00fcr\u00fcnlerin \u00e7apraz sat\u0131\u015f\u0131n\u0131 yapmam\u0131z\u0131 ve teknolojideki deneyimimizi art\u0131rmam\u0131z\u0131 sa\u011flaman\u0131n yan\u0131 s\u0131ra finans i\u00e7in tek durak noktas\u0131 olma yolunda ilerlememizi sa\u011flayacakt\u0131r. Ayr\u0131ca, haz\u0131rl\u0131k a\u015famas\u0131nda ba\u015fka f\u0131rsatlar\u0131m\u0131z da var.<\/p>\r\n<h2>Dijitalle\u015fme ve teknoloji, b\u00fcy\u00fcme hedeflerinize ula\u015fman\u0131za yard\u0131mc\u0131 olmada ne kadar \u00f6nemli?<\/h2>\r\n<p><strong>KK: <\/strong>Dijitalle\u015fme olmadan bunlar\u0131n hi\u00e7birini yapamay\u0131z. Elbette, bu sadece teknolojiden daha fazlas\u0131d\u0131r. Ayn\u0131 zamanda insanlar\u0131n zihniyetiyle de ilgilidir. Bu \u00fc\u00e7 \u015firketin ve \u00e7al\u0131\u015fanlar\u0131n\u0131n, dijital d\u00fc\u015f\u00fcnceyi ger\u00e7ek anlamda benimsemeleri i\u00e7in bir d\u00f6n\u00fc\u015f\u00fcm yaratmaya \u00e7abal\u0131yoruz. Bu, hem kendi s\u00fcre\u00e7lerimiz a\u00e7\u0131s\u0131ndan \u015firket i\u00e7inde hem de m\u00fc\u015fteri deneyimi a\u00e7\u0131s\u0131ndan \u015firket d\u0131\u015f\u0131nda ge\u00e7erli bir olgudur. Teknoloji ve dijitalle\u015fmeyi baz\u0131 y\u00f6nlerden finans i\u015flerimizden daha fazla \u00f6ncelik verdi\u011fimiz temel i\u015fimiz olarak g\u00f6r\u00fcyorum. Dijital bizim i\u00e7in bir \u00f6nceliktir ve i\u015f modelimizde yapmak istedi\u011fimiz \u015fey ondan sonra gelir.<\/p>\r\n<h2>\u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l i\u00e7inde finansal hizmetler pazar\u0131nda ne gibi de\u011fi\u015fiklikler g\u00f6rmeyi bekliyorsunuz ve Abdul Latif Jameel Finance i\u00e7in bu ne anlama geliyor?<\/h2>\r\n<p><strong>KK: <\/strong>Suudi Arabistan\u2019daki finans sekt\u00f6r\u00fcn\u00fcn katlanarak artan bir b\u00fcy\u00fcme sergilemesi bekleniyor. \u0130lk olarak, ekonomi zaten b\u00fcy\u00fcyor ve finansal hizmetler ekonominin bel kemi\u011fidir. \u0130kinci olarak, t\u00fcketicilerin hala \u00e7ok b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fcn\u00fc banka kullanmayan insanlar olu\u015fturuyor. \u015eimdiye kadar bankalar bu t\u00fcketicilerle ba\u011flant\u0131 kurmakta zorlanm\u0131\u015ft\u0131r. Ancak finansal teknoloji \u015firketleri ve bizimki gibi yeni dijital platformlar, bu insanlara ula\u015fmay\u0131 ve onlar\u0131 m\u00fc\u015fterilere d\u00f6n\u00fc\u015ft\u00fcrmeyi kolayla\u015ft\u0131r\u0131yor.<\/p>\r\n\r\n[caption id=\"attachment_100335\" align=\"aligncenter\" width=\"2189\"]<img class=\"size-full wp-image-100335\" 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>Son olarak, bu y\u0131l\u0131n sonuna do\u011fru veya bir sonraki y\u0131l\u0131n ba\u015f\u0131nda h\u00fck\u00fcmet, bir m\u00fc\u015fterinin t\u00fcm finansal verilerini i\u00e7erecek yeni bir \u201ca\u00e7\u0131k bankac\u0131l\u0131k\u201d platformunu hizmete sunacak. Daha \u00f6ncesinde bu bilgiler bankalara aitti ve yaln\u0131zca onlar bu bilgilere eri\u015febilirlerdi, ancak \u015fimdi t\u00fcm finans sa\u011flay\u0131c\u0131lar\u0131 bu bilgilere eri\u015febilecek. Bu, b\u00fcy\u00fck ve daha k\u00fc\u00e7\u00fck \u015firketlerin piyasada daha e\u015fit bir konumda olmas\u0131n\u0131 sa\u011flayacak, daha h\u0131zl\u0131 aksiyon alabilen hizmet sa\u011flay\u0131c\u0131lar\u0131n piyasada yer almas\u0131yla t\u00fcketicilere sunulan se\u00e7enekler artacak ve en iyi, en kapsaml\u0131 ve en uygun hizmetleri sunanlara ticari bir avantaj getirerek m\u00fc\u015fteri ile ger\u00e7ek bir ili\u015fki olu\u015fmas\u0131n\u0131 sa\u011flayacakt\u0131r.<\/p>\r\n<h2>Bankalar da oturup bekleyerek pazar paylar\u0131n\u0131n erimesini izlemeyecektir. Abdul Latif Jameel Finance gibi k\u00fc\u00e7\u00fck oyuncular b\u00fcy\u00fck bankalara kar\u015f\u0131 rekabet edebilir mi?<\/h2>\r\n<p><strong>KK: <\/strong>Bu g\u00fczel bir soru. \u0130ki ana nedenden dolay\u0131 bankalar\u0131n dijital d\u00fcnyada g\u00fc\u00e7l\u00fc bir \u015fekilde rekabet edemeyece\u011fine inan\u0131yorum. Birinci sebep h\u0131zl\u0131 hareket edememeleri, \u00e7\u00fcnk\u00fc dikkate almalar\u0131 gereken \u00e7ok b\u00fcy\u00fck ge\u00e7mi\u015ften gelen sistemlere ve i\u015f modellerine sahipler. Sadece bir gecede y\u00f6nlerini de\u011fi\u015ftiremezler. S\u00fcpertanker gemileri gibidirler. Y\u00f6n de\u011fi\u015ftirmek isteseler bile, bu onlar\u0131n \u00e7ok zaman\u0131n\u0131 alacakt\u0131r. \u0130kincisi, Suudi Arabistan\u2019daki bankalar\u0131n finansal teknoloji \u015firketlerinin kendileri i\u00e7in ne kadar \u201ctehlikeli\u201d oldu\u011funu tam olarak anlad\u0131klar\u0131na inanm\u0131yorum. Pazarda son derece ayr\u0131cal\u0131kl\u0131 bir konumda olman\u0131n avantaj\u0131n\u0131 ya\u015f\u0131yorlar ve bu durum devam ediyor. \u00dclkedeki t\u00fcm maa\u015fl\u0131 \u00e7al\u0131\u015fanlar\u0131n, \u00f6rne\u011fin maa\u015flar\u0131n\u0131n \u00f6denmesi i\u00e7in bir banka hesab\u0131na sahip olmas\u0131 gerekir. Bu nedenle, bankalar sahip olduklar\u0131 bu b\u00fcy\u00fck m\u00fc\u015fteri taban\u0131n\u0131 ellerindeki di\u011fer \u00fcr\u00fcnleri satabilmek i\u00e7in kullan\u0131l\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k t\u00fcm bunlar\u0131 de\u011fi\u015ftirecek. T\u00fcketicilerin bir bankadan di\u011ferine, bir hizmet sa\u011flay\u0131c\u0131dan di\u011ferine ge\u00e7mesi \u00e7ok kolay olacak.<\/p>\r\n<p>Unutmamam\u0131z gerekir ki bankalar de\u011fi\u015fiyor. Dijitale yat\u0131r\u0131m yap\u0131yorlar ve daha iyi hizmetler sunuyorlar, ancak en az\u0131ndan orta vadede finansal teknoloji \u015firketlerinin ve Abdul Latif Jameel Finance gibi daha k\u00fc\u00e7\u00fck ve daha h\u0131zl\u0131 hareket eden hizmet sa\u011flay\u0131c\u0131lar\u0131n dijital yeteneklerine, odaklanm\u0131\u015f \u00e7al\u0131\u015fmalar\u0131na veya esnekli\u011fine ayak uydurabileceklerini d\u00fc\u015f\u00fcnm\u00fcyorum.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-100300\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/07\/Jeddah.jpg\" alt=\"ALJ Finance Saudi Arabia\" width=\"1516\" height=\"841\" \/><\/p>\r\n<h2>Abdul Latif Jameel Finance i\u00e7in hedefleriniz nelerdir?<\/h2>\r\n<p><strong>KK: <\/strong>\u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l boyunca, \u00f6zellikle dijital tarafta agresif bir b\u00fcy\u00fcme stratejimiz var. Yapt\u0131\u011f\u0131m\u0131z temel \u015feylerden biri, Abdul Latif Jameel Finance b\u00fcnyesinde \u00f6zel bir dijital inovasyon i\u015fletmesi yaratmak oldu. Bu, yaln\u0131zca sundu\u011fumuz hizmetleri geli\u015ftirmek ve daha fazla m\u00fc\u015fteri \u00e7ekmek i\u00e7in teknolojiyi nas\u0131l kullanabilece\u011fimize odaklanan; kendi hedefleri, stratejileri ve k\u00e2r\u0131-zarar\u0131 olan bir \u201ci\u015fletme i\u00e7inde i\u015fletme\u201d anlam\u0131na geliyor. Bizim i\u00e7in can al\u0131c\u0131 nokta, KOB\u0130\u2019ler ve onlar\u0131n <u>t\u00fcm<\/u> finansal ihtiya\u00e7lar\u0131n\u0131 tek bir ba\u011flant\u0131da nas\u0131l kar\u015f\u0131layabilece\u011fimiz olacakt\u0131r.<\/p>\r\n<p>Ayr\u0131ca, \u015fimdi yapt\u0131\u011f\u0131m\u0131z baz\u0131 faaliyetleri yapmaya devam edece\u011fiz, ancak tamamen \u00e7evrimi\u00e7iyiz; bu da \u015fubelerdeki fiziksel varl\u0131\u011f\u0131m\u0131z\u0131 konsolide etmemiz gerekti\u011fi anlam\u0131na gelebilir. Ne yaparsak yapal\u0131m, ama\u00e7 ayn\u0131d\u0131r; m\u00fc\u015fterilerimizin hizmetlerimizi kullanmas\u0131n\u0131 ve \u00fcr\u00fcnlerimize eri\u015fmesini m\u00fcmk\u00fcn oldu\u011funca basit, h\u0131zl\u0131 ve tatmin edici hale getirmek. Bu asla durmayacak ve tamamen kendimizi adad\u0131\u011f\u0131m\u0131z bir yolculuktur.<\/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":["1"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/perspectives\/15647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media\/15618"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media?parent=15647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}