Fintech is positioned as the digital backbone of Saudi Arabia’s diversification agenda, powering giga-projects like NEOM and Red Sea Global through modern payments, inclusive lending, and SME financing .
Payments, lending, wealthtech, and insurtech are reshaping financial services in Saudi. From shifting consumer behaviors to untapped opportunities across remittances, SME financing, savings, and wealth management, it highlights where the next wave of growth will emerge.
Saudi Arabia attracted $860M in VC funding in H1 2025, 56% of all MENA capital. But while early-stage deals dominate, later-stage capital remains scarce — creating opportunities for international investors .
Fintechs face fierce competition for skilled professionals, especially for regulator-mandated senior roles like CTO, compliance, and cybersecurity. Without targeted strategies in attraction and training, growth will stall .
The report outlines tailored strategies for SMEs, incumbents, and new market entrants. From tackling tech debt to building local trust, it highlights the actions needed to unlock sustainable fintech growth.
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