{"id":16065,"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-7\/"},"modified":"2026-05-12T13:23:07","modified_gmt":"2026-05-12T13:23:07","slug":"sharing-the-ride-with-careem-7","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/perspectives\/sharing-the-ride-with-careem-7\/","title":{"rendered":"Careem ile ortak otomobil kullan\u0131m\u0131"},"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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Bu program, onlara Toyota, Lexus, KIA, Hyundai, Geely, Suzuki ve MG ara\u00e7lar\u0131 dahil olmak \u00fczere \u00e7e\u015fitli markalar\u0131n s\u0131f\u0131r kilometre bir arac\u0131na sahip olmalar\u0131 i\u00e7in esnek \u00f6deme planlar\u0131 ve taksitler sunar.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1593-scaled-1.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["1"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["16033"],"_wpml_word_count":["{\"total\":2076,\"to_translate\":{\"ar\":2076,\"zh-hans\":2076,\"fr\":2076,\"ja\":2076,\"es\":2076,\"tr\":2076}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:26:{s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:93:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:95:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";s:5:\"15621\";s:11:\"source_type\";s:13:\"media-library\";}s:96:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\";a:2:{s:2:\"id\";s:4:\"4434\";s:11:\"source_type\";s:13:\"media-library\";}s:98:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\";a:2:{s:2:\"id\";s:4:\"4434\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/CAREEM_LOGO_GREEN_WINK.png\";a:2:{s:2:\"id\";s:5:\"16034\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/CAREEM_LOGO_GREEN_WINK.png\";a:2:{s:2:\"id\";s:5:\"16034\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1671-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16035\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1671-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16035\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:84:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1-193x300.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-Jameel-1-1-193x300.jpg\";a:2:{s:2:\"id\";s:5:\"16036\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-jameel-3-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16037\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/cash-jameel-3-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16037\";s:11:\"source_type\";s:13:\"media-library\";}s:83:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-app-screenshots.jpg\";a:2:{s:2:\"id\";s:5:\"16038\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-app-screenshots.jpg\";a:2:{s:2:\"id\";s:5:\"16038\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app-300x165.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-super-app-300x165.jpg\";a:2:{s:2:\"id\";s:5:\"16039\";s:11:\"source_type\";s:13:\"media-library\";}s:104:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-Super-App-iPhone-visual-1-1-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16056\";s:11:\"source_type\";s:13:\"media-library\";}s:106:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Careem-Super-App-iPhone-visual-1-1-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16056\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1635-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16041\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/224A1635-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"16041\";s:11:\"source_type\";s:13:\"media-library\";}}"],"_edit_lock":["1778592244:22"],"content":["<em>Mart 2023<\/em><a href=\"https:\/\/aljfinance.com\/\">\u2019te <em>Abdul Latif Jameel Finance<\/em><\/a><em><u> Suudi Arabistan<\/u><\/em><em> ve b\u00f6lgenin \u00f6nde gelen \u00e7oklu hizmet platformu <\/em><a href=\"https:\/\/www.careem.com\/\"><em>Careem<\/em><\/a><em>, Suudi Careem s\u00fcr\u00fcc\u00fclerinin veya \u2018Kaptanlar\u2019\u0131n\u0131n kendi ara\u00e7lar\u0131n\u0131 almalar\u0131n\u0131 finanse etmek i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f <\/em><a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-car-financing-program-for-careem-captains\/\"><em>yeni bir finansman program\u0131n\u0131n<\/em><\/a><em> ba\u015flat\u0131ld\u0131\u011f\u0131n\u0131 duyurdu. Careem Kaptanlar\u0131n\u0131n \u00e7o\u011funun ana gelir kayna\u011f\u0131, ara\u00e7 \u00e7a\u011f\u0131rma uygulamas\u0131 arac\u0131l\u0131\u011f\u0131yla elde ettikleri gelirdir. Bu program, onlara Toyota, Lexus, KIA, Hyundai, Geely, Suzuki ve MG ara\u00e7lar\u0131 dahil olmak \u00fczere \u00e7e\u015fitli markalar\u0131n s\u0131f\u0131r kilometre bir arac\u0131na sahip olmalar\u0131 i\u00e7in esnek \u00f6deme planlar\u0131 ve taksitler sunar. Abdul Latif Jameel Finance Suudi Arabistan CEO\u2019su<\/em> <a href=\"https:\/\/alj.com\/tr\/our-people\/dr-khalid-d-al-karimy\/\"><em>Dr. Khalid Al Karimy<\/em><\/a><em> ve Careem Suudi Arabistan Genel M\u00fcd\u00fcr\u00fc Ahmad Arrabi ile ortakl\u0131k ve bunun her bir i\u015fletme i\u00e7in ne anlama geldi\u011fi hakk\u0131nda konu\u015ftuk.<\/em>\r\n<h2>Abdul Latif Jameel Finance\u2019in Suudi Arabistan\u2019daki operasyonlar\u0131 hakk\u0131nda biraz bilgi verebilir misiniz?<\/h2>\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 \/><br \/>\u0130cra Kurulu Ba\u015fkan\u0131<br \/><br \/>Abdul Latif Jameel Finance, Suudi Arabistan[\/caption]\r\n\r\n<strong>KAK:<\/strong> Abdul Latif Jameel Finance, 40 y\u0131l\u0131 a\u015fk\u0131n bir s\u00fcre \u00f6nce Suudi Arabistan\u2019daki ilk otomotiv finans \u015firketlerinden biri olarak faaliyetlerine ba\u015flad\u0131. Ba\u015flang\u0131\u00e7ta sadece Toyota ara\u00e7lar\u0131n\u0131 finanse ettik, ancak hizmetlerimizi kademeli olarak geni\u015flettik, bu nedenle \u015fimdi birden fazla marka i\u00e7in finansman sunuyoruz. Son alt\u0131 veya yedi y\u0131l i\u00e7inde ev aletleri, t\u0131bbi cihazlar ve spor ekipmanlar\u0131 gibi di\u011fer alanlarda da finansman sunmaya ba\u015flad\u0131k.\r\n\r\nSon olarak, \u015fah\u0131slara ve k\u00fc\u00e7\u00fck i\u015fletmelere (KOB\u0130) nakit finansman deste\u011fi sa\u011flamaya ba\u015flad\u0131k.\r\n\r\n\u0130\u00e7eriden bakacak olursan bizim i\u00e7in yak\u0131n zamandaki en b\u00fcy\u00fck de\u011fi\u015fikliklerden biri, farkl\u0131 iki Abdul Latif Jameel kurulu\u015fu olarak gayrimenkul sekt\u00f6r\u00fcnde farkl\u0131 finansal \u00e7\u00f6z\u00fcmler sunan Abdul Latif Jameel United Real Estate Finance Company ile \u015fah\u0131slar ve mikro i\u015fletmeler i\u00e7in \u2018verimli krediler\u2019 sa\u011flayan Bab Rizq Jameel Microfinance\u2019in Abdul Latif Jameel Finance ile entegrasyonu oldu.\r\n<h2>Sn. Ahmad, Careem\u2019in Suudi Arabistan\u2019daki geli\u015fiminden bize bahsedebilir misiniz?<\/h2>\r\n<strong>AA:<\/strong> Careem, 2012 y\u0131l\u0131nda BAE\u2019nin Dubai \u015fehrinde faaliyetlerine ba\u015flad\u0131 ve 2013 y\u0131l\u0131nda Suudi Arabistan\u2019a do\u011fru geni\u015fledi. O zamanlar, temel odak noktam\u0131z insanlar\u0131 \u015fehir i\u00e7inde ve \u015fehirleraras\u0131nda ta\u015f\u0131yan ara\u00e7 \u00e7a\u011f\u0131rma i\u015fiydi ve Careem h\u0131zla b\u00f6lgedeki en b\u00fcy\u00fck ara\u00e7 \u00e7a\u011f\u0131rma \u015firketlerinden biri haline geldi. \u015eu an, Fas\u2019tan Pakistan\u2019a kadar olan b\u00f6lgenin genelinde 70\u2019ten fazla \u015fehirde faaliyet g\u00f6steriyoruz. Careem, 2019 y\u0131l\u0131nda Uber taraf\u0131ndan sat\u0131n al\u0131nd\u0131, ancak Orta Do\u011fu\u2019da Careem markas\u0131 alt\u0131nda faaliyet g\u00f6stermeye devam ediyor.\r\n\r\nAra\u00e7 \u00e7a\u011f\u0131rma i\u015fi, t\u00fcm hizmetlerimizde \u2018aslan pay\u0131n\u0131\u2019 olu\u015fturmaya devam ediyor. 10 y\u0131ld\u0131r yapt\u0131\u011f\u0131m\u0131z bir i\u015f oldu\u011fundan sadece rakamlar bak\u0131m\u0131ndan de\u011fil ayn\u0131 zamanda m\u00fc\u015fterilerimizin alg\u0131s\u0131 a\u00e7\u0131s\u0131ndan da \u00f6nemli bir yere sahip. Bununla birlikte 2017 y\u0131l\u0131ndan bu yana Careem\u2019i bir \u2018s\u00fcper uygulama\u2019 olarak geli\u015ftirmeye devam ediyoruz. Bu uygulama \u00fczerinden hepsi de son derece y\u00fcksek de\u011fere sahip abonelik hizmetimiz Careem Plus ile birbirine ba\u011fl\u0131 olan g\u0131da teslimat\u0131 ve Careem Pay arac\u0131l\u0131\u011f\u0131yla sunulan fintech hizmetleri gibi bir dizi hizmete eri\u015febilirsiniz. S\u00fcper uygulamam\u0131z Dubai\u2019de ve di\u011fer bir\u00e7ok \u015fehirde kullan\u0131ma sunuldu. Vizyonumuz, \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l i\u00e7inde daha fazla \u015fehre yay\u0131lmakt\u0131r.\r\n\r\nNisan 2023\u2019te, b\u00f6lgesel telekom\u00fcnikasyon hizmetleri sa\u011flay\u0131c\u0131s\u0131 ve teknoloji yat\u0131r\u0131m grubu olan e&, yeni bir i\u015f orta\u011f\u0131 olarak bize kat\u0131ld\u0131 ve Careem s\u00fcper uygulamas\u0131na 400 milyon dolarl\u0131k bir yat\u0131r\u0131m\u0131 duyurduk.\r\n\r\n[caption id=\"attachment_106604\" align=\"aligncenter\" width=\"2456\"]<img class=\"size-full wp-image-106604\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/03\/Abdul-Latif-Jameel-Finance-x-Careem.jpg\" alt=\"Abdul Latif Jameel Finance launches new finance program for Careem Captains in Saudi Arabia\" width=\"2456\" height=\"2456\" \/> Ahmad Arrabi, (Solda) Careem Suudi Arabistan Genel M\u00fcd\u00fcr\u00fc ve Dr. Khalid Al Karimy, (Sa\u011fda) Abdul Latif Jameel Finance CEO\u2019su, Mart 2023\u2019te Careem Kaptanlar\u0131 i\u00e7in yeni finansman program\u0131n\u0131n imza t\u00f6reninde[\/caption]\r\n<h2>Careem\u2019in hedeflerine ula\u015fmas\u0131nda bu Kaptanlar ne kadar \u00f6nemli?<\/h2>\r\n<strong>AA:<\/strong> Kaptanlar, hem ara\u00e7 \u00e7a\u011f\u0131rma hem de ara\u00e7 \u00e7a\u011f\u0131rma d\u0131\u015f\u0131ndaki teslimat hizmetleri i\u015fimizde temel unsurdur. \u0130ster bir yolculuk ister market al\u0131\u015fveri\u015fi olsun mutlu bir Kaptan, mutlu bir \u015fekilde hizmet sunar. Bu nedenle, platformdaki deneyimlerinin tatmin edici olmas\u0131n\u0131 sa\u011flamak ve neyin yeni Kaptanlar\u0131n sekt\u00f6re kat\u0131lmas\u0131n\u0131 s\u0131n\u0131rlayabilece\u011fini anlamak i\u00e7in ihtiya\u00e7lar\u0131n\u0131 anlamam\u0131z \u00f6nemlidir.\r\n\r\n<img class=\"alignleft size-thumbnail wp-image-107946\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/CAREEM_LOGO_GREEN_WINK-140x150.png\" alt=\"Careem logo wink\" width=\"140\" height=\"150\" \/>Ge\u00e7mi\u015fte, yeni Kaptanlar\u0131n kat\u0131l\u0131m\u0131n\u0131 engelleyen \u015feylerden biri, yasal d\u00fczenlemelerin do\u011frudan kendi ara\u00e7lar\u0131na sahip olmalar\u0131n\u0131 gerektirmesiydi.\r\n\r\nAncak, bu ko\u015fulun end\u00fcstrinin b\u00fcy\u00fcmesini engelledi\u011finin fark\u0131na varan Suudi Arabistan Ula\u015ft\u0131rma Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc, 2022 y\u0131l\u0131nda bu d\u00fczenlemeleri de\u011fi\u015ftirmi\u015f ve b\u00f6ylece araba kullanma yetkisine sahip olduklar\u0131 s\u00fcrece Kaptanlar\u0131n arabalar\u0131n\u0131n olmas\u0131 zorunlulu\u011fu kalkm\u0131\u015ft\u0131r.\r\n\r\nBu b\u00fcy\u00fck bir de\u011fi\u015fiklikti \u00e7\u00fcnk\u00fc Careem Kaptan\u0131 olarak daha esnek kazan\u00e7lar elde etmeleri i\u00e7in \u00e7ok daha fazla Suudi\u2019ye f\u0131rsat sa\u011flad\u0131. Ancak pazarda h\u00e2l\u00e2, bir\u00e7o\u011fu tam zamanl\u0131 \u00e7al\u0131\u015fmad\u0131\u011f\u0131ndan dolay\u0131 mevzuat uygunlu\u011fuyla ilgili s\u0131k\u0131 k\u0131s\u0131tlamalar nedeniyle bankalar taraf\u0131ndan sunulan geleneksel finans \u00fcr\u00fcnlerine eri\u015femedikleri i\u00e7in kendi arabalar\u0131n\u0131 sat\u0131n almak i\u00e7in araba finansman\u0131na eri\u015fim talep eden bir segment vard\u0131. Yani, Careem Kaptan\u0131 olarak tam zamanl\u0131 ara\u00e7 kullan\u0131yor ve iyi bir gelir elde ediyor olsan\u0131z bile, bir araba sat\u0131n almak i\u00e7in geleneksel bir banka kredisi alam\u0131yorsunuz.\r\n\r\n<img class=\"aligncenter size-full wp-image-107918\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/224A1671-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/>\r\n\r\n \r\n<h2>Suudi Arabistan\u2019daki finans pazar\u0131 son birka\u00e7 y\u0131lda nas\u0131l de\u011fi\u015fti ve bu de\u011fi\u015fiklikler Abdul Latif Jameel Finance\u2019i nas\u0131l etkiledi?<\/h2>\r\n<strong>KAK:<\/strong> Kredi verme konusunda tutucu bir yakla\u015f\u0131m benimseme e\u011filiminde olan bankalar ge\u00e7mi\u015fte Suudi finans sekt\u00f6r\u00fcne hakimdi. Bu durum, 2016 y\u0131l\u0131nda <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vizyon 2030<\/a>\u2019un lansman\u0131ndan bu yana son on y\u0131lda de\u011fi\u015fti. <a href=\"http:\/\/www.sama.gov.sa\/en-US\/pages\/default.aspx\">Suudi Arabistan Merkez Bankas\u0131<\/a> (SAMA), finansal hizmetler yasal \u00e7er\u00e7evesini g\u00fcn\u00fcm\u00fcz\u00fcn t\u00fcketicilerinin geli\u015fen ihtiya\u00e7lar\u0131na daha uygun hale getirmek i\u00e7in modernize etti. De\u011fi\u015fiklikler aras\u0131nda, ba\u015fta yeni kurulan \u015firketler olmak \u00fczere finansal teknoloji \u015firketlerinin daha az k\u0131s\u0131tlay\u0131c\u0131 bir ortamda i\u015flerini geli\u015ftirmelerine ve iyile\u015ftirmelerine olanak tan\u0131yan yasal bir \u2018kontroll\u00fc ortam\u2019 olu\u015fturulmas\u0131 da yer al\u0131yordu. Bu, kavramsal olarak kendilerini kan\u0131tlayarak m\u00fckemmelle ula\u015ft\u0131klar\u0131nda kontroll\u00fc ortamdan daha geni\u015f pazarlara a\u00e7\u0131lmalar\u0131n\u0131 sa\u011flayacakt\u0131.\r\n\r\n<img class=\"alignleft size-medium wp-image-107971\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-Jameel-1-1-193x300.jpg\" alt=\"Cash Jameel screenshot\" width=\"193\" height=\"300\" \/>Bu de\u011fi\u015fiklikler bizi iki y\u00f6nden etkiledi. Birincisi: dijitalle\u015fme a\u00e7\u0131s\u0131ndan bizim i\u00e7in yeni f\u0131rsatlar yaratt\u0131. Dijital giri\u015fimlerden gelir elde etmek i\u00e7in \u015firket i\u00e7inde Dijital \u0130\u015fletme ad\u0131 verilen \u00f6zel bir birim olu\u015fturduk. Bu giri\u015fimlerden biri, cep telefonunuzdan eri\u015febilece\u011finiz bir perakende nakit kredisi sunan <a href=\"https:\/\/alj.com\/en\/news\/abdul-latif-jameel-finance-launches-new-mobile-app-cash-loan-product-in-saudi-arabia\/\">Cash Jameel<\/a>\u2019dir. Ayr\u0131ca, fiziksel olarak bir showroom\u2019a gelmeden uygulama \u00fczerinden krediye ba\u015fvurman\u0131za, kimli\u011finizi do\u011frulaman\u0131za, bir ara\u00e7 se\u00e7menize ve di\u011fer her \u015feyi yapman\u0131za olanak tan\u0131yan bir otomotiv e-ticaret arac\u0131m\u0131z da var. Ve KOB\u0130\u2019lere, uygulama \u00fczerinden kredi ba\u015fvurusunda bulunmalar\u0131n\u0131, durum tespiti kontrollerini ger\u00e7ekle\u015ftirmelerini ve finansman\u0131 g\u00fcvenceye almalar\u0131n\u0131 sa\u011flayacak dijital bir platform ba\u015flat\u0131yoruz.\r\n\r\nSuudi Arabistan\u2019daki inovasyon dostu fintech ekosistemi olmasayd\u0131, bunlar\u0131n hi\u00e7birini yapamazd\u0131k.\r\n\r\n\u0130kinci b\u00fcy\u00fck etki, insanlar\u0131n davran\u0131\u015f ve beklentilerinin de\u011fi\u015fmesidir. Suudi Arabistan\u2019daki t\u00fcketiciler teknoloji konusunda \u00e7ok merakl\u0131d\u0131r. \u00d6rne\u011fin Twitter gibi sosyal medya uygulamalar\u0131nda d\u00fcnyan\u0131n en h\u0131zl\u0131 b\u00fcy\u00fcyen kullan\u0131c\u0131 kitlesinin burada bulundu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. Buradaki insanlar dijital d\u00fcnyay\u0131 \u00e7ok seviyorlar. Bu t\u00fcr hizmetlerde \u00e7evrimi\u00e7i olarak nas\u0131l gezinilece\u011fini biliyorlar ve g\u00fcn ge\u00e7tik\u00e7e bunu yapabilmeyi daha fazla istiyorlar.\r\n\r\n<img class=\"aligncenter size-full wp-image-107939\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/cash-jameel-3-scaled.jpg\" alt=\"\" width=\"2560\" height=\"2560\" \/>\r\n<h2>Abdul Latif Jameel Finance ile ortakl\u0131\u011f\u0131n\u0131z nas\u0131l ger\u00e7ekle\u015fti?<\/h2>\r\n<strong>AA:<\/strong> COVID-19 salg\u0131n\u0131 s\u0131ras\u0131nda, ara\u00e7 \u00e7a\u011f\u0131rma hizmetlerine olan talep artarken, arz\u0131m\u0131z\u0131 art\u0131rmak i\u00e7in yeni Kaptanlar\u0131 bu i\u015fe \u00e7ekmekte zorland\u0131\u011f\u0131m\u0131z\u0131 g\u00f6rd\u00fck. Sekt\u00f6rde daha fazla Kaptan\u0131 te\u015fvik etmeye \u00e7al\u0131\u015fmak i\u00e7in yeni fikirler aramaya ba\u015flad\u0131k. Bunlardan biri de ara\u00e7 finansman\u0131yla ilgiliydi. Bu \u00f6l\u00e7ekte olmasa da b\u00f6lgede zaten benzer birka\u00e7 giri\u015fim vard\u0131. Kaptanlar\u0131n ara\u00e7 finansman\u0131 elde etmesini kolayla\u015ft\u0131rmak i\u00e7in yapabilece\u011fimiz bir \u015fey olup olmad\u0131\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in Abdul Latif Jamel Finance ile g\u00f6r\u00fc\u015fmeye ba\u015flad\u0131k ve bu ortakl\u0131k do\u011fdu.\r\n<h2>Abdul Latif Jameel Finance, 40 y\u0131l\u0131 a\u015fk\u0131n bir s\u00fcredir ara\u00e7 finansman\u0131 pazar\u0131ndad\u0131r. Careem\u2019deki bu f\u0131rsata sizi \u00e7eken \u015fey ne oldu?<\/h2>\r\n<strong>KAK:<\/strong> Careem ve Kaptanlar\u0131n\u0131n ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131larken ayn\u0131 zamanda i\u015fimizi de geni\u015fletebilece\u011fimiz heyecan verici bir i\u015f f\u0131rsat\u0131 g\u00f6rd\u00fck. Bu zamana kadar Careem Kaptanlar\u0131n\u0131n ara\u00e7lar\u0131 i\u00e7in finansman bulmas\u0131 \u00e7ok zordu. Bu insanlar\u0131n \u00e7o\u011fu maa\u015fl\u0131 de\u011fildir, bu nedenle geleneksel bankalar\u0131n kredi de\u011ferlendirmelerini ge\u00e7emezler. Ancak bir s\u00fcredir serbest meslek sahibi insanlarla \u00e7al\u0131\u015f\u0131yoruz, bu y\u00fczden bu pazar\u0131 iyi anl\u0131yoruz. Bunu b\u00fcy\u00fck bir f\u0131rsat olarak g\u00f6rd\u00fck, \u00e7\u00fcnk\u00fc gen\u00e7 Suudi giri\u015fimcilerin finansal hizmetler pazar\u0131na eri\u015fmelerine yard\u0131mc\u0131 oluyoruz. Bu krediler, bizden bir ara\u00e7 sat\u0131n al\u0131rken kullan\u0131laca\u011f\u0131 i\u00e7in \u00fcretkenlik ve kar\u015f\u0131l\u0131\u011f\u0131nda gelir elde etmelerini sa\u011flayacakt\u0131r. Bu ayn\u0131 zamanda, m\u00fc\u015fteri eri\u015fimimizi kendini i\u015fine adam\u0131\u015f, giri\u015fimci ruhlu ve kendi ya\u015famlar\u0131n\u0131 kazanmaya kararl\u0131 insanlardan olu\u015fan pazar\u0131n bu segmentine yayman\u0131n bir yoludur.\r\n<h2>Abdul Latif Jameel Finance, bankalar\u0131n \u00fcstesinden gelemedi\u011fi bu finans bo\u015flu\u011funu nas\u0131l doldurabildi?<\/h2>\r\n<strong>KAK:<\/strong> Biz bir ta\u015f\u0131t finansman\u0131 \u015firketiyiz, bu nedenle buna ta\u015f\u0131t perspektifinden oldu\u011fu kadar kredi perspektifinden de yakla\u015fabiliriz. Bankalar sadece paraya odaklan\u0131r. Belki aram\u0131zdaki temel fark budur. Careem Kaptanlar\u0131n\u0131n maa\u015fl\u0131 \u00e7al\u0131\u015fanlar olmad\u0131klar\u0131n\u0131 biliyorduk, bu nedenle s\u00fcr\u00fcc\u00fclerinin kazan\u00e7 profillerini anlamak i\u00e7in Careem ile yak\u0131n bir \u00e7al\u0131\u015fma y\u00fcr\u00fctt\u00fck. Careem, bize bu s\u00fcr\u00fcc\u00fclerin y\u0131lda ortalama olarak belirli miktarda para kazanabilece\u011fine dair g\u00fcvence verdi. Bunu temel alarak, bu \u00f6zel finansman \u00fcr\u00fcn\u00fcn\u00fc birlikte Careem Kaptanlar\u0131na sunabildik. Bu, hesaplanm\u0131\u015f ancak finansal kapsay\u0131c\u0131l\u0131\u011f\u0131 destekleme vizyonumuzun bir par\u00e7as\u0131 olarak sundu\u011fu f\u0131rsatlar g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda bu almaya haz\u0131r oldu\u011fumuz bir risk. Kredi geri \u00f6denene kadar arac\u0131n m\u00fclkiyetinin Abdul Latif Jameel Finance\u2019te kalmas\u0131 daha fazla g\u00fcvenlik sa\u011fl\u0131yor. Yani, herhangi bir \u015fey ters giderse, m\u00fclkiyete sahip olmaya devam ederiz.\r\n<h2>Bu finansal d\u00fczenleme, hibrit ve elektrikli ara\u00e7lar\u0131n yan\u0131 s\u0131ra geleneksel i\u00e7ten yanmal\u0131 motorlu ara\u00e7lar\u0131 da kaps\u0131yor mu?<\/h2>\r\n<strong>KAK:<\/strong> Evet, kesinlikle \u00f6yle, her t\u00fcrl\u00fc ara\u00e7 tipini kaps\u0131yor. Hibrit ara\u00e7lar\u0131n sat\u0131\u015flar\u0131 art\u0131yor ve Toyota\u2019n\u0131n piyasada \u00e7ok ba\u015far\u0131l\u0131 olan birka\u00e7 modeli var. Kamuoyu alg\u0131lar\u0131 ve altyap\u0131 eksikli\u011fi nedeniyle Suudi Arabistan\u2019da tamamen elektrikli ara\u00e7 pazar\u0131 hen\u00fcz o kadar g\u00fc\u00e7l\u00fc de\u011fil. Ancak, h\u00fck\u00fcmet bunu a\u015fmak i\u00e7in \u00e7ok \u00e7al\u0131\u015f\u0131yor ve \u00f6n\u00fcm\u00fczdeki 5 ila 10 y\u0131l i\u00e7inde elektrikli ara\u00e7larda da g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme bekliyoruz.\r\n<h2>Bu \u00fcr\u00fcnle ula\u015fmak istedi\u011finiz rakam hedefine Kaptanlar da dahil mi?<\/h2>\r\n<strong>AA:<\/strong> \u00d6ncelik, ilk ba\u015fta birka\u00e7 s\u00fcr\u00fcc\u00fcyle ba\u015flamak ve ilerleyen s\u00fcre\u00e7te program\u0131 daha da geli\u015ftirmek i\u00e7in bu deneyimden faydalanmakt\u0131r. Yenilik yapma ve tekrarlama \u00f6zg\u00fcrl\u00fc\u011f\u00fcm\u00fcz\u00fc azaltan rastgele hedefler belirleyerek dikkatimizin da\u011f\u0131lmas\u0131n\u0131 istemiyoruz. Abdul Latif Jameel Finance ile ortakl\u0131\u011f\u0131m\u0131z\u0131 duyurdu\u011fumuzdan bu yana zaten \u00e7ok fazla ilgi g\u00f6rd\u00fck, bu nedenle program\u0131n tasar\u0131m\u0131n\u0131 m\u00fckemmel bir hale getirdikten sonra h\u0131zla b\u00fcy\u00fcyece\u011finden eminiz.\r\n<h2>Ayn\u0131 vizyon ve de\u011ferleri payla\u015fan ortaklarla \u00e7al\u0131\u015fmak sizin i\u00e7in \u00f6nemli mi?<\/h2>\r\n<strong>KAK:<\/strong> Kesinlikle. <a href=\"https:\/\/alj.com\/tr\/\">Abdul Latif Jameel<\/a>, hem bir kurulu\u015f hem de bir aile olarak, \u00e7ok g\u00fc\u00e7l\u00fc bir vizyona ve i\u015fletme genelinde uygulanan de\u011ferlere sahip. Kendimizi, mutlu ve \u00fcretken ya\u015famlar s\u00fcrd\u00fcrmeleri i\u00e7in insanlar\u0131 ve topluluklar\u0131 g\u00fc\u00e7lendirmeye, sosyal geli\u015fime ve <a href=\"https:\/\/www.communityjameelsaudi.org\/en\/\">hay\u0131rseverli\u011fe<\/a> adad\u0131k. Bu de\u011ferler, Careem\u2019in istihdam f\u0131rsatlar\u0131 yaratma ve insanlara kendileri ve aileleri i\u00e7in ge\u00e7im kaynaklar\u0131 sa\u011flama misyonu ile uyumludur.\r\n\r\nBu felsefe, \u0130ngilizcede \u2018size g\u00fc\u00e7 veriyoruz\u2019 anlam\u0131na gelen reklam slogan\u0131m\u0131z \u2018<em>tamkin<\/em>\u2019 ile uyum sa\u011fl\u0131yor. Bir ara\u00e7 bulman\u0131za, finans kayna\u011f\u0131 bulman\u0131za, i\u015f bulman\u0131za ve ya\u015fam\u0131n\u0131z\u0131 s\u00fcrd\u00fcrmenize yard\u0131mc\u0131 oluyoruz. Bu bizim i\u00e7in \u00e7ok \u00f6nemli.\r\n<h2>Abdul Latif Jameel Finance gibi bir \u015firketle \u00e7al\u0131\u015fmak Careem\u2019e ne gibi faydalar sa\u011flad\u0131?<\/h2>\r\n<strong>AA:<\/strong> 10 y\u0131ld\u0131r b\u00f6lgedeyiz ve yeni bir program\u0131n ba\u015far\u0131s\u0131nda do\u011fru orta\u011f\u0131 bulman\u0131n b\u00fcy\u00fck bir fakt\u00f6r oldu\u011funu \u00f6\u011frendik. Misyonunuzu ve vizyonunuzu payla\u015fan bir i\u015f orta\u011f\u0131, program\u0131 b\u00fcy\u00fctmeye ve potansiyelini art\u0131rmaya yard\u0131mc\u0131 olacakt\u0131r. Abdul Latif Jameel Finance Suudi Arabistan, bu program\u0131 \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l i\u00e7inde ba\u015far\u0131ya ula\u015ft\u0131rmak i\u00e7in ayn\u0131 tutkuyu payla\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a belirtmi\u015fti. Misyonumuz insanlar\u0131n ya\u015famlar\u0131n\u0131 basitle\u015ftirmektir. Bize kay\u0131t olmaya \u00e7al\u0131\u015fan Kaptanlara en iyi deneyimi sunamazsak bu misyonu ba\u015faramay\u0131z. Abdul Latif Jameel, itibar ve g\u00fcvenilirlik \u00fczerine in\u015fa edilmi\u015f g\u00fc\u00e7l\u00fc bir konumdad\u0131r. Bu ortakl\u0131k, Kaptanlar\u0131m\u0131za en iyi deneyimi sunmada bize yard\u0131mc\u0131 olacakt\u0131r.\r\n\r\n<img class=\"aligncenter size-full wp-image-107990\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-app-screenshots.jpg\" alt=\"Careem app screenshots \" width=\"1608\" height=\"1595\" \/>\r\n\r\nKaptanlar\u0131m\u0131z\u0131n elde edece\u011fi avantajlar daha da net. Bu, onlar i\u00e7in bir araba sat\u0131n alman\u0131n, ge\u00e7im kayna\u011f\u0131na sahip olman\u0131n ve ailelerini ve topluluklar\u0131n\u0131 desteklemenin bir yolu. Potansiyel Kaptanlar\u0131m\u0131z\u0131n yakla\u015f\u0131k %20\u2019si ara\u00e7 sahipli\u011fi ile ilgili yetkilendirme s\u0131k\u0131nt\u0131lar\u0131 veya ara\u00e7 \u00e7a\u011f\u0131rma ta\u015f\u0131t\u0131 olarak kullan\u0131lmaya uygun olmayan ara\u00e7lar nedeniyle ruhsat s\u00fcrecini a\u015famamaktad\u0131r. Bu sorunu \u00e7\u00f6zmek onlar i\u00e7in \u00e7ok \u00f6nemli bir can simidi olacakt\u0131r.\r\n<h2>Careem, 10 y\u0131ld\u0131r Suudi Arabistan\u2019da ve d\u00fcnyan\u0131n d\u00f6rt bir yan\u0131nda birden fazla \u00fclkede faaliyet g\u00f6steriyor. Careem i\u00e7in \u00f6n\u00fcm\u00fczdeki on y\u0131ll\u0131k beklentileriniz veya umutlar\u0131n\u0131z nelerdir?<\/h2>\r\n<strong>AA:<\/strong> Heyecan verici bir yolculuk olmas\u0131n\u0131 bekliyoruz! Birinci \u00f6nceli\u011fimiz, ula\u015f\u0131m\u0131n \u00f6tesine ge\u00e7erek \u00e7ok daha fazla insan\u0131n hayat\u0131n\u0131 basitle\u015ftirmemizi sa\u011flayacak olan \u2018s\u00fcper uygulamam\u0131z\u0131\u2019 piyasaya s\u00fcrmektir.\r\n\r\n<img class=\"alignleft size-medium wp-image-107960\" src=\"https:\/\/alj.com\/app\/uploads\/2023\/05\/Careem-super-app-300x165.jpg\" alt=\"\" width=\"300\" height=\"165\" \/>Bu s\u00fcper uygulama, g\u0131da ve market al\u0131\u015fveri\u015fi teslimat\u0131, mikro ula\u015f\u0131m, dijital c\u00fczdan ve fintech hizmetleri paketi ve ev temizli\u011fi, araba kiralama ve \u00e7ama\u015f\u0131r y\u0131kama gibi ek \u00fc\u00e7\u00fcnc\u00fc taraf hizmetleri dahil olmak \u00fczere bir d\u00fczineden fazla hizmet sundu\u011fumuz BAE\u2019de zaten ba\u015far\u0131l\u0131 oldu.\r\n\r\nBu hizmetleri Suudi Arabistan ve \u00dcrd\u00fcn\u2019e yayd\u0131k ve \u00f6n\u00fcm\u00fczdeki y\u0131llarda daha fazla \u00fclkeye ta\u015f\u0131yaca\u011f\u0131z.\r\n\r\nB\u00f6lgemizde \u00e7ok b\u00fcy\u00fck bir S\u00fcper Uygulama f\u0131rsat\u0131 oldu\u011funa inan\u0131yoruz. G\u00fcnl\u00fck hayatta dijital hizmetlerle \u00e7\u00f6z\u00fclebilecek \u00e7ok say\u0131da sorun var ve b\u00f6lgemizde bir s\u00fcper uygulaman\u0131n sa\u011flayabilece\u011fi kolayl\u0131\u011f\u0131 ve de\u011feri sunan bask\u0131n oyuncular yok. Buna ek olarak Orta Do\u011fu, d\u00fcnyadaki en y\u00fcksek dijital t\u00fcketici kat\u0131l\u0131m\u0131na sahiptir. SAK ve BAE\u2019de, dijital benimseme oran\u0131 (her sekt\u00f6rde dijital veya uzak kanallar arac\u0131l\u0131\u011f\u0131yla etkile\u015fimde bulunan kullan\u0131c\u0131lar\u0131n ortalamas\u0131) %78\u2019dir. Ve son y\u0131llarda, uygulama indirme oran\u0131ndaki en y\u00fcksek b\u00fcy\u00fcme rakamlar\u0131, geli\u015fmekte olan pazarlarda g\u00f6r\u00fcld\u00fc.\r\n\r\nCareem, bu f\u0131rsat\u0131 de\u011ferlendirmek i\u00e7in son derecede iyi bir konuma sahiptir. \u015eimdiye kadar 50 milyondan fazla m\u00fc\u015fterinin hayat\u0131n\u0131 kolayla\u015ft\u0131rd\u0131k ve 2,5 milyondan fazla Kaptan i\u00e7in gelir f\u0131rsat\u0131 yaratt\u0131k. Art\u0131k temel pazarlar\u0131m\u0131zda kategori lideri i\u015fletmeler yaratmam\u0131za ve S\u00fcper Uygulaman\u0131n hacmini art\u0131rmam\u0131za yard\u0131mc\u0131 olmak i\u00e7in Uber ve e&\u2019de iki g\u00fc\u00e7l\u00fc orta\u011f\u0131m\u0131z var.\r\n\r\nCareem\u2019i insanlar\u0131n telefonlar\u0131nda ilk tercih ettikleri uygulama haline getirmek istiyoruz. \u00c7\u00fcnk\u00fc bu, onlar\u0131n ya\u015famlar\u0131n\u0131 daha kolay ve rahat hale getiriyor, market al\u0131\u015fveri\u015fi sipari\u015fi vermekten veya faturalar\u0131 \u00f6demekten \u00e7ocuklar\u0131n\u0131z\u0131 okula g\u00f6t\u00fcrmeye veya ailenize para g\u00f6ndermeye kadar, t\u00fcm bunlar\u0131 Careem \u00fczerinden yapabileceksiniz.\r\n\r\n<img class=\"aligncenter size-full wp-image-107953\" 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>Benzer \u015fekilde, \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131lda Abdul Latif Jameel Finance Suudi Arabistan i\u00e7in planlar\u0131n\u0131z nelerdir ve Careem ile ortakl\u0131k bu planlara ula\u015fman\u0131za nas\u0131l yard\u0131mc\u0131 olacak?<\/h2>\r\n<strong>KAK:<\/strong> \u00dcr\u00fcnlerimizi ve m\u00fc\u015fterilerimizi \u00e7e\u015fitlendirmeye devam etmeyi ama\u00e7l\u0131yoruz. Hi\u00e7 \u015f\u00fcphesiz, Careem ile ortakl\u0131\u011f\u0131m\u0131z bunu ba\u015farmam\u0131za yard\u0131mc\u0131 olacak.\r\n\r\nDijitalle\u015fme g\u00fcndemimiz de b\u00fcy\u00fcme stratejimizin merkezi bir par\u00e7as\u0131 olacak.\r\n\r\nEri\u015fimimizi art\u0131rmak ve yetersiz hizmet alan topluluklar\u0131n ya\u015famlar\u0131n\u0131 iyile\u015ftirmek amac\u0131yla finansal \u00fcr\u00fcnlere eri\u015fmelerini sa\u011flamak i\u00e7in s\u00fcrekli olarak dijital teknolojilerden yararlanman\u0131n yeni yollar\u0131n\u0131 ara\u015ft\u0131r\u0131yoruz. \u0130nsanlar\u0131n \u00e7e\u015fitli finansal \u00fcr\u00fcnlere evlerinin rahatl\u0131\u011f\u0131nda h\u0131zl\u0131, kolay ve g\u00fcvenli bir \u015fekilde ula\u015fmalar\u0131n\u0131 m\u00fcmk\u00fcn oldu\u011funca kolayla\u015ft\u0131rmak istiyoruz. Bunu ba\u015farmak i\u00e7in dijitalle\u015fmeye yat\u0131r\u0131m yapmaya devam etmek gerekiyor ve \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l boyunca odaklanaca\u011f\u0131m\u0131z \u015fey de bu olacak.\r\n\r\n<img class=\"aligncenter size-full wp-image-107911\" 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\/tr\/wp-json\/wp\/v2\/perspectives\/16065","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\/16033"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media?parent=16065"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}