Navigating the Future of Digital Payments: An In-Depth Conversation with Taly's Visionaries

Sep 15, 2025

Kholoud Hussein

 

Taly stands at the forefront of innovation with its extensive digital payment ecosystem, offering a diverse array of services designed to meet the evolving needs of merchants, consumers, and corporates.

 

In this exclusive interview with Magdy Hassan, CEO of Taly, we will delve into the company’s core services, including its omni-channel payment solutions and advanced features such as tokenization and remote payment gateways. We will also examine how Taly differentiates itself in the market through its robust infrastructure and commitment to security.

 

Furthermore, we will explore Taly's strategic vision for the future of digital payments, including their plans for expansion into the Middle East and their efforts to enhance financial inclusion in Egypt. This conversation promises to provide valuable insights into Taly’s role in shaping the future of digital transactions. 

 

Can you provide an overview of Taly's core digital payment services and how they differentiate you from other players in the market?

 

Taly is a top-tier provider of digital payment ecosystem that introduces omni-channel collection solutions, offers a robust ecosystem designed to serve various audiences, including merchants, banks, corporates, consumers, and fintechs. What sets Taly apart from other players in the market is its full-fledged digital payment ecosystem backed by one of the largest on-soil infrastructures in the MENA region. This ensures high availability and secure systems with minimal technical glitches.

 

Taly’s services include omni-channel payment acceptance, seamless e-commerce integration, and an array of value-added services like digital invoicing, and supply chain lending. Additionally, Taly offers innovative solutions such as tokenization, pay-by-link, remote payment gateways, and fully automated collection cycles, tailored to meet the diverse needs of its clients. This comprehensive approach to digital payments, combined with a strong commitment to security (evidenced by ISO/IEC 20000 and PCI certifications), positions Taly as a leader in driving digital transformation and fostering a cashless society.

 

What innovative features do Taly's digital payment solutions offer to merchants and consumers?

 

Taly offers a variety of innovative features designed to empower merchants, consumers, and Corporates. For merchants, Taly provides a digital omni-channel proposition that empowers merchants with one single App that allows instant monitoring of all acceptance channels, supporting all kinds of payment methods. 

 

Taly payment gateway is considered the country first on soil payment gateway that meets all global standards while fully integrated with the domestic payment schemes; Meeza Digital and the Instant Payment Network (IPN). This enables merchants to accept payments from all types of cards, wallets, and Payment applications. 

 

Moreover, Taly’s ecosystem is built to support merchants with several value-add services which became highly needed these days such as access to fund, integration with BNPL players, supplier payments. Our ecosystem also introduces cash with purchase, allowing customers to cash out money upon making purchases from merchants using our acceptance POS machines. 

A standout feature in Taly's offerings is the use of tokenization for cardless payments. Tokenization technology allows consumers to make secure and convenient payments by simply tapping their phones at POS terminals, eliminating the need for physical cards. Additionally, it further enhances security by replacing sensitive card information with a unique token, ensuring that actual card details are never exposed during transactions. This combination provides a seamless and secure payment experience for consumers and increase the consumer adoption of more cashless behaviors. It also gives merchants the ability to offer advanced payment options that cater to modern consumer preferences.

 

For consumers, Taly’s Super App delivers a one-stop-shop for digital payments, offering inflows and outflows management, e-wallets, bill payment, and a loyalty system that incentivizes activity. The app is designed for ease of use and provides consumers with the peace of mind that comes from managing their financial transactions digitally without the need for physical cash. Taly’s approach not only simplifies transactions but also enhances financial control and security for both merchants and consumers.

 

For Corporate, Taly’s Corporate Portal is the first of its kind that empowers Corporates ,for first time, to manage directly their employees cards, manage the company expense via the unique features developed by Taly that enables  the Corporate to control the spend of their staff instantly wherever and whenever the company wants them to transact where both the company’s employee has a mobile App to manage and control their cards, while the company has Taly portal to control and manage the transactions instantly. The solution provides corporates with an answer of many business challenges such as controlling the fleet system, manage petty cash, and control T&E expenses. Moreover, Taly provides corporate with creative ways to fund their expense via banking facilities and empower the corporate with effective dashboard and analytical tools. 

 

How do you foresee the digital payment landscape evolving in the next few years, and how is Taly preparing for these changes? Are there any plans to introduce new services or products in the near future? If so, can you share any details?

 

The digital payment landscape is poised for significant growth and innovation, with a strong shift towards more integrated and seamless financial ecosystems. Technologies such as tokenization, advanced payment gateways, integrated lending solutions, and innovative corporate payment solution are expected to become increasingly prevalent. Taly is at the forefront of these changes, having already introduced many of these solutions in the Egyptian market.

 

Looking ahead, Taly is preparing by continuously enhancing its infrastructure and expanding its ecosystem, the company is also focused on fostering collaboration across the financial sector, enabling banks, fintechs, and corporates to innovate and thrive within a connected digital framework. This proactive approach ensures that Taly will remain a key player in the ongoing digital transformation, driving the adoption of cashless payments and supporting the broader financial ecosystem. Taly designed and built its ecosystem with a futuristic vision that can serve upcoming trends such as digital banking, and open banking.

 

In what ways have you seen the Egyptian market respond to digital payment solutions, and what opportunities do you identify there?

 

The Egyptian market has shown a positive response to digital payment solutions, with increasing adoption among businesses and consumers alike. Taly has identified significant opportunities in this landscape, particularly in the areas of e-commerce, fintech innovation, corporate digitalization. The market is moving towards more integrated financial systems, and Taly is well-positioned to lead this shift by offering secure and innovative digital payment and collection solutions.

 

Opportunities in Egypt include the growing demand for BNPL (Buy Now, Pay Later) services, e-commerce payment gateways, and digital invoicing systems. Taly’s ability to provide a seamless digital ecosystem, supported by robust infrastructure and security, allows it to capitalize on these trends. As digital payments become more ingrained in everyday life, Taly’s comprehensive offerings will continue to meet the evolving needs of the market.

 

How does Taly plan to enhance financial inclusion through its services in the Egyptian market?

 

Taly is deeply committed to enhancing financial inclusion in Egypt by providing accessible and innovative digital payment solutions that cater to a wide range of stakeholders, including underserved populations and small businesses. 

 

A key aspect of this mission is Taly’s role in empowering fintech startups. By leveraging Taly’s robust digital infrastructure—one of the largest in the MENA region—these startups can transform their innovative ideas into fully operational and commercially viable financial products. This not only accelerates the growth of the fintech sector but also ensures that a broader array of financial services and products becomes available throughout Egypt, reaching even the most underserved areas. Taly is already in collaboration with several fintechs and BNPL players to be integrated with our ecosystem and empower them with Taly payment capabilities. 

 

In addition to empowering fintech startups, Taly is addressing the significant gap in cash usage, particularly among merchants. Many merchants in Egypt still rely heavily on cash transactions due to concerns about the complexity and security of digital payment solutions. Taly aims to bridge this gap by offering a more convenient, secure, and user-friendly financial digital experience.

Taly helps merchants streamline their financial interactions with suppliers and vendors by enabling instant payment and collection of invoices through a digital account, which is also linked to a prepaid card. This setup helps merchants keep their capital and liquidity in check, ensuring that their financial operations are smooth and efficient. Moreover, Taly offers flexible digital lending programs to finance merchants' working capital, increasing their purchasing power and enabling them to settle suppliers' invoices promptly.

 

By attracting more merchants to embrace digital financial technology, Taly is enhancing its business operations while contributing to the broader goal of reducing cash dependency in the Egyptian economy. This, in turn, helps integrate more businesses and consumers into the formal financial system, fostering a more inclusive and digitally empowered marketplace in Egypt.

Moreover, Taly offers consumers with a revamped wallet solution bundled with Tokenization features that would give an effective entry products to the youth segments, new to banks, and underserved consumers. Taly revamped wallet offers consumers the same privileges of full- fledged banks including e-purchase, e-commerce, transfers, bill Payments, and robust digital cash-in and cash-out options via a one-stop-shop digital App, offering highly secured payment with advanced consumer digital experience. Taly solution for this segment is a true example of bridging the gap between banked and new-to-bank consumers. 

 

How do you envision Taly's role in the future of digital payments in the Middle East, particularly in Saudi Arabia and the wider GCC region? What are your expansion plans for these markets, and how will you tailor your offerings to meet the unique needs of consumers and businesses while enhancing customer experience in the region?

 

Egypt is at the heart of Taly's growth strategy, where we are fine-tuning our digital payment ecosystem to address the vastly diverse needs of the market. Our immediate priority is ensuring that the model is not only functional and successful but also optimized for scalability. By focusing on Egypt, we are building a strong foundation that can later be expanded into the broader Middle East.

Many GCC and Africa markets share similar needs in areas such as digital bank enablement, tokenization, and supply chain lending which offer a natural pathway for expansion. Once we establish a strong foothold in Egypt, our experience will allow us to scale effectively into these regions. These markets are also transitioning toward cashless economies.

 

By leveraging the lessons learned and infrastructure developed in Egypt, we can tailor our offerings to the specific needs of wider GCC and Africa markets, empowering stakeholders with the same level of digital bank enablement and advanced tokenization technologies that we’ve pioneered in our home market. The focus now remains on perfecting the model in Egypt, so it is ready for broader application and growth across the Middle East.

 

Tags

Share

Advertise here, Be the LEADER

Advertise Now

Latest Experts Thoughts

Slow and steady: Why passive investing appeals to long-term investors

Noha Gad

 

Many investors look for a simple, direct way to grow their money in the long term without spending a long time finding individual companies or trying to predict market changes. This is the reason why some investors choose passive investing, a long-term, buy-and-hold investing approach that focuses on a wide selection of investments and holding them over time, rather than trying to outperform the market through frequent trading. What makes this approach appealing to new and seasoned investors is that it offers diversification, simplicity, and potentially lower costs.

Many passive investors use investments like index funds and exchange-traded funds (ETFs) designed to track a market benchmark's performance. Compared to active investing, passive investing is typically lower cost, requires less day-to-day management, and is often used by investors focused on long-term growth.

 

How does the passive investing strategy work?

As a long-term strategy, passive investing focuses on buying and holding investments over a long time. Its goal is to build wealth gradually over time by buying and holding a diverse investment portfolio. Instead of frequently buying and selling investments to try to beat the market, passive investors buy and hold an investment portfolio that may steadily increase in value over time, based on historical market returns.

Index investing is the most common type of passive investing, often through index funds and ETFs. In this approach, investors invest in a portfolio of stocks, bonds, or other assets that mirrors a specific market index.

 

Passive vs. active investing

Passive and active investing are two different ways of managing investment portfolios. Both are different from each other in:

  • Goal. Passive investing aims to match the market index’s performance, while active investing aims to outperform it through investment choices made by a fund manager.
  • The way investments are selected. Passive investors usually buy index funds or ETFs that track a broad group of securities, while active investors choose individual securities and decide when to buy or sell them, based on research and market analysis.
  • Costs. Passive funds usually have lower management costs because managers do not need to select individual securities or rely as heavily on research teams. In contrast, active funds have higher costs because of research, analysis, and more frequent trading.
  • Flexibility. Passive funds have limited flexibility because they generally continue to follow the securities and weights of their index, while Active funds are more flexible as they reduce exposure to certain securities or sectors.
  • Performance. Passive investing aims to earn returns close to the overall market return, while active investing targets returns higher than the market.
  •  Risks. Passive funds can lose value when the market or asset class they track declines, while active funds may underperform their benchmark if the manager’s investment decisions do not produce the expected results.

 

Passive investing offers several advantages for long-term investors, but it also has limitations that investors should understand before choosing this approach. 

Pros

  • Requiring lower costs to manage, as managers do not need to select individual securities or rely as heavily on research analysts.
  • Offering a clear and transparent view of which assets are in an index fund
  • Giving investors access to many securities in one investment, thereby reducing the impact of poor performance by a single company.
  • Supporting long-term investments, as passive funds generally buy and sell securities less often.
  • Offering a clear investment objective, as they are designed to track a specific market index.

Cons

  • Losing value when the securities in the index they track decline in value.
  • Limited ability to react to price declines in the securities it holds because it generally continues to follow the index.
  • Passive funds may have lower earnings than the index they follow.
  • Passive funds are not expected to outperform the market they track.
  • Although passive funds have lower costs, investors should compare fees because some index funds may be more expensive than actively managed funds.

 

Finally, passive investing is a long-term strategy that helps investors build a diversified portfolio through index funds and ETFs rather than trying to select individual securities or time the market. However, they are not risk-free. Investors may still experience losses when the market or asset class they track declines, and fund returns may differ from the index because of fees, trading costs, and tracking error. Thus, investors should compare fund fees, understand the risks of the index they are investing in, and choose investments that match their financial goals and time horizon.

The Middle East's next brand revolution will be heard

Roudny Nahed, Partnership Manager at MusicGrid 

 

Across the Middle East, a new generation of brands is emerging, driven by ambitious national visions, digital innovation, and a growing focus on customer experience. As the region continues to redefine its position on the global stage, sound is becoming an increasingly valuable way for businesses to express their identity, connect with audiences, and build lasting recognition. 

The Middle East is undergoing a transformation that extends beyond infrastructure, technology, and economic diversification. It is changing how brands are created, experienced, and remembered. 

Across the GCC, new industries are emerging, established organizations are reinventing their customer experiences, and homegrown brands are increasingly expanding their ambitions beyond regional markets. 

This transformation raises an important question: as the way people interact with brands evolves, shouldn't the way brands express their identities evolve as well? 

Sound has an increasingly important role to play in answering that question. 

 

The Experience Economy Is Changing the Role of Sound 

Saudi Arabia offers a compelling example of this evolution. 

The Kingdom's tourism strategy targets 150 million visits by 2030, while its financial sector development ambitions include expanding the fintech ecosystem to 525 companies by the same year. 

These ambitions represent more than economic growth. They signal an expanding landscape of customer interactions across aviation, hospitality, financial services, entertainment, and digital platforms. 

An airline's identity is experienced throughout the passenger journey. A bank's relationship with customers increasingly develops through its mobile application. A hospitality brand communicates its personality through the atmosphere it creates. 

In each case, sound can reinforce recognition, communicate emotion, and connect different moments into a consistent brand experience. 

As the region invests in more sophisticated customer journeys, sonic branding has an opportunity to evolve from a creative element into part of a brand's infrastructure. 

 

From Musical Identity to Brand Infrastructure 

One of the most important shifts in sonic branding is the move from creating individual audio assets to developing connected sonic ecosystems. 

A sonic logo may be the most recognizable element, but its strategic value grows when integrated across advertising, digital interfaces, customer service, and physical environments. 

In 2020, Mastercard and Network International announced an initiative in the UAE to integrate Mastercard's sonic identity into payment terminals, allowing customers to hear a recognizable confirmation sound when completing transactions. 

This demonstrates how sound can serve both a functional purpose and a branding objective. 

For businesses across the Middle East, the opportunity is to design sonic branding into the customer journey rather than introduce it as an afterthought. 

 

Cultural Intelligence: The Region's Creative Advantage 

The Middle East possesses another significant advantage: its rich and diverse musical heritage. 

From distinctive rhythmic structures to melodic traditions and regional instrumentation, sound carries cultural associations shaped by history and collective experience. 

However, creating an authentic regional sonic identity requires more than incorporating traditional instruments. 

A contemporary Saudi financial institution, for example, does not necessarily need traditional melodies to express its cultural roots. Authenticity can emerge through rhythmic character, melodic movement, and emotional associations that reflect the brand's personality. 

This is where ethnomusicology, cultural understanding, and brand strategy intersect. 

For Middle Eastern brands with international ambitions, the ability to balance cultural authenticity with contemporary creativity can become a meaningful competitive advantage. 

 

Recognition Must Be Built, Not Assumed 

The business value of sonic branding extends beyond creating memorable music. 

Research from Ipsos highlights the effectiveness of distinctive brand assets, including sonic cues, in strengthening advertising recognition and performance. 

However, recognition does not develop through composition alone. It requires consistent exposure, meaningful associations, and disciplined implementation. 

A sonic identity used only during a launch campaign has limited opportunities to build long-term familiarity. 

Organizations must therefore consider where sound appears, how it adapts across different markets, and how consistently its recognizable elements are maintained. 

The objective is not simply to create a sound people enjoy, but to develop an identity they can recognize and associate with the brand over time. 

 

The Opportunity for Regional Leadership 

The Middle East is experiencing a powerful convergence of economic diversification, digital transformation, cultural investment, and creative ambition. 

Together, these developments are creating an environment where sonic branding can play an increasingly strategic role. 

The opportunity is not simply to adopt international practices, but to develop regional expertise in creating culturally intelligent, technologically integrated, and globally recognizable sonic identities. 

 

The Middle East is building a new generation of brands. The next opportunity is to give those brands a distinctive sound that the world can recognize. 

Saudi Arabia’s event management sector: growth, technology, and new opportunities

Noha Gad

 

Saudi Arabia’s event management industry is experiencing a period of remarkable growth, driven by Vision 2030’s agenda and its ambition to transform the Kingdom into a leading global destination for business, culture, entertainment, and sport. Analysts believe the growth in the event management market is largely attributed to substantial investments in venues and groundbreaking infrastructure.

According to a recent report released by Research and Markets, the event management market in Saudi Arabia is expected to grow from $2.59 billion in 2025 to reach $3.92 billion by 2031, making a compound annual growth rate (CAGR) of 7.14%. In addition, the IMARC Group estimated the market to reach $21.1 billion by 2034, exhibiting a CAGR of 8.08% between 2026 and 2034. This growth, the group said, is driven by rising tourism, government initiatives, increased corporate spending, and growing demand for entertainment and cultural experiences, as well as developments in event technology and social media integration.

The growing role of technology in shaping the Saudi event management industry encouraged organizers and emerging companies to use digital tools to improve planning, communication, guest management, and post-event analysis, thereby delivering larger, safer, and more personalized experiences.

Artificial intelligence (AI) is a key tool organizers and event management companies use to understand attendee preferences, recommend relevant sessions or exhibitors, answer guest questions through chatbots, and translate content for international audiences.

Data analytics is another driver behind the transformation that the event management market is witnessing. It helps organizers and event-tech companies to benefit from digital registration systems, mobile applications, and smart badges to collect information about attendance, movement, engagement, and feedback. Analyzing these data responsibly could help organizers measure the success of an event more accurately and improve future editions. Sponsors and exhibitors can also understand audience behavior, generate qualified leads, and demonstrate return on investment.

Automation is another tool that simplifies many routine tasks that previously required significant manual work, such as sending invitations, registration confirmations, reminders, check-in processes, surveys, and post-event reports. This will reduce administrative burdens, lower the risk of human error, and allow event managers to focus more on creativity, guest experience, and strategic planning.

Also, augmented reality (AR), virtual reality (VR), interactive screens, and holographic displays can make exhibitions, brand activations, and entertainment events more engaging.

Together, these advanced technologies are not replacing event managers; they are redefining their role. The most successful companies in Saudi Arabia’s event management market will be those combining strong local knowledge and operational expertise with digital tools that create smarter, safer, and more memorable experiences.

The event-management sector is no longer dominated solely by traditional agencies and venue operators. A layered ecosystem has emerged, spanning full-service event agencies, specialized production and AV companies, venue-management companies, ticketing platforms, and a growing cohort of event-tech startups. 

Companies such as SYNC, one of the leading event solutions providers, position themselves as end-to-end event solutions providers, handling everything from Saudi Conventions and Exhibitions General Authority (SCEGA) licensing and venue coordination to AV production and on-site execution. Serving government entities, corporate clients, and conference organizers, the competitive advantage of these companies lies in regulatory familiarity, supplier networks, and in-house production capability rather than software innovation.

In the AV and staging area, Al-Khalediya for Theatres and Cinema is one of the key players that has executed more than 1,000 projects across Saudi Arabia and the GCC, specializing in theatre design, acoustic systems, seating, and cinema fit-outs.

Hybrid-event and event-tech providers, such as INVE, do not execute events themselves, but provide software that organizers use to manage invitations, registration, guest data, and entry.

INVE is one of the Saudi-based startups that leverage technology to transform the event management industry in the Kingdom by offering digital invitations, RSVP tracking, guest profiles, registration, check-in, and follow-up communication in one platform. Serving both corporates and individuals, INVE reflects the industry’s move toward relationship-based and technology-enabled event management, seeking to turn a single event into a long-term guest-relationship asset.

Venttat is a leading Saudi event management company, offering expert services for organizers and exhibitors. It serves as a one-stop shop for corporate events, meetups, conferences, and global event technology services, exhibitor infrastructure, and digital logistics.

The growing event management market in Saudi Arabia is providing significant opportunities for investors, startups, and established companies, as the Kingdom hosts more international conferences, entertainment events, sporting competitions, and cultural festivals. This increases demand not only for event managers and organizers but also for the technology, services, and infrastructure that support them.

Startups and event planning companies will need to tailor AI-powered solutions and products for attendance forecasting, personalized recommendations, attendee matchmaking, chatbots, feedback analysis, and automated content creation. Smart venue technology presents significant opportunities as startups can focus on developing digital access control, crowd monitoring, security systems, digital signage, and real-time venue-management dashboards.

Despite its strong growth potential, the event management industry in Saudi Arabia faces several challenges that could affect its long-term development. One of these challenges is the scarcity of specialized talent, particularly in areas such as event production, technical operations, digital marketing, data analysis, and multilingual guest services. 

The growing number of event agencies, venues, and technology providers is increasing pressure on companies, which will need to differentiate themselves through quality, creativity, reliability, and strong client relationships rather than competing solely on cost.

Quality and consistency are another challenge, especially as Saudi Arabia seeks to host world-class events. Thus, organizers must meet high expectations for safety, logistics, guest experience, and operational precision. 

To sum up, Saudi Arabia’s event management industry is entering a new phase of development, driven by Vision 2030, major technological advancements, and the Kingdom’s growing position as a regional hub for business, culture, and entertainment.

Technology will be central to this growth, helping event organizers and managers change how they plan, deliver, and measure events, ultimately enabling them to focus on creativity, guest experience, safety, and strategic decision-making. Companies that can combine operational expertise with digital innovation will be best placed to meet the rising expectations of corporate clients, government entities, sponsors, and attendees.

The micromanager: When control replaces leadership

Noha Gad

 

Have you ever dealt with the manager who asks you to Cc them on every email? The one who rewrites your work not because it is wrong, but because it is not exactly how they would have done it. They think they are protecting quality, meeting deadlines, and ensuring good results by focusing on minor details, demanding approval for small decisions, and leaving employees with little freedom to make their own choices.

A micromanager excessively supervises employees, focusing on controlling every task detail. Although this management style might yield short-term results, it often undermines morale and hampers team productivity in the long run. Instead of directing employees on how and when tasks can be accomplished, micromanagers watch employees’ actions closely, providing frequent criticism.

Key features of micromanagers

Micromanagers share several common behaviors. Although every situation is different, these signs usually appear:

  • Lack of trust and delegation. These managers refuse to delegate tasks or take over work because they believe no one else can accomplish it right.
  • Continuous supervision. Micromanagers demand frequent status updates, require approval for minor decisions, and track every step of a project.
  • Excessive focus on minor details: They obsess over formatting, wording, or trivial errors instead of looking at overall progress. They may criticize a report because of its font or structure, even when the content is strong and the client is satisfied.
  • CC'ing on everything: They insist on being copied on all emails and sitting in on routine communications. This makes employees feel unable to act without asking permission first.

 

Negative impact on the workplace

Micromanagement may seem like a way to maintain control and quality, but it often creates serious problems for employees and the wider business, such as: 

  • Reducing employee morale. When employees feel constantly observed and corrected, they start losing enthusiasm for their work. They may feel that their manager does not trust their skills or respect their judgment.
  • Increasing stress. Frequent check-ins, repeated revisions, and constant approval requirements can make employees feel pressured and insecure. They may worry about making mistakes or being criticized for small details.
  • Lowering confidence. When a manager rewrites employees’ work, questions their choices, or takes over tasks, they may begin to doubt their own abilities.
  • Discouraging creativity and new ideas. Micromanagers often prefer their own method, leaving little room for different approaches. This makes employees less likely to share ideas when they believe every suggestion will be rejected or changed. 
  • Slowing down the work cycle. When every small decision needs approval, projects take longer to be done, as employees may spend more time waiting for feedback than doing actual work.
  • Reducing productivity.  Although micromanagers often believe they are improving performance, their behavior can have the opposite effect. Employees may lose motivation to work efficiently because they know their manager will likely change the work anyway.

Micromanagers can take concrete steps to change their management. First, they should establish a few key metrics that define success for any project, ignoring every other detail that falls outside those parameters. They should delegate specific needs to be done, not control the way team members do it. An open-door policy should be in place so team members can seek coaching or further guidance whenever they feel they need it. Finally, managers should set a deadline for each stage of an assigned project.

To sum up, micromanagement may seem to be a commitment to quality, but it often creates stress, lowers morale, and reduces productivity. When employees feel constantly monitored and are given little freedom to make decisions, they may lose confidence, avoid sharing ideas, and become less engaged in their work. Successful leaders focus on clear goals, trust their teams, delegate responsibility, and provide guidance when needed.

AILA Seeks to Bridge Learning Gaps Through Personalized Education

Ghada Ismail

 

As artificial intelligence continues to reshape education, edtech startups are exploring new ways to personalize learning, improve student performance, and support teachers with data-driven insights. AILA is among the companies working to transform the learning experience through AI-powered solutions tailored to students’ individual needs and the Saudi education system. In this interview with Sharikat Mubasher, AILA discusses its approach to personalized learning, the challenges of developing effective AI-driven educational tools, and the opportunities for edtech startups as Saudi Arabia advances its education and digital transformation goals.

 

AILA has recently secured a $3 million funding round. What does this investment enable the company to do that it could not do before?

Our earlier funding helped us build the product and reach product-market fit. We now have schools using AILA every day and results we can stand behind. This round is about scaling what already works. 

First, it lets us go deeper on our adaptive engine and our research. We want to keep proving, with rigorous evidence, that AILA improves how students learn, building on the work we have done with King Fahd University of Petroleum & Minerals. 

Second, it lets us scale our commercial and customer success teams so we can serve many more schools across the Kingdom, and support each one properly after launch. 

Third, it lets us expand beyond the Saudi curriculum. Today we are strongest around Qudurat, Tahsili and NAFES. By adding other curricula, we can take the same engine to new markets and serve many more students. 

 

Do you expect this round to take AILA to profitability, or is the priority still aggressive growth and market expansion? 

Our priority is growth, but disciplined growth. We have built a business with strong fundamentals, and our product runs at a gross margin of around 67%, which gives us a lot of room to grow efficiently. 

Reaching profitability is a clear goal for this round. We want to scale to more schools and new markets while becoming profitable, so that we go into our Series A from a position of strength. We are not buying growth at any cost. Every school we sign needs to make sense on its own. 

 

AILA describes its approach as personalized, AI-powered learning. What makes your personalization technology different from the growing number of AI tutoring and edtech platforms entering the market? 

Many new AI platforms are essentially content generators: you ask a question, you get an answer. That is useful, but it is not the same as teaching. AILA is built around diagnosis. We work out exactly where each student is, what they have mastered and what is holding them back, and then we guide them on the shortest path to improvement. 

Three things set us apart. First, we are built for the Saudi context, mapped to national learning outcomes and assessments such as Qudurat, Tahsili and NAFES, and available in both Arabic and English. Second, we work inside schools, so the insight does not stay with the student. Teachers, administrators and principals see the same picture and can act on it. Third, we measure results. Our benchmark shows students learning about 2.3 times more efficiently, and our pilot results have been validated through a research partnership with King Fahd University of Petroleum & Minerals. 

 

How does AILA use student data and learning behavior to determine what a student should learn next? 

Every interaction on the platform tells us something: whether the answer was right, how long it took, how many attempts were needed, and what kind of mistake was made. We map all of that to a structure of skills and learning outcomes, so we can estimate each student's level of mastery skill by skill. 

From there, the engine decides what comes next. It looks at the gaps that matter most, the prerequisite skills that need to be secured first, and how heavily each skill counts in the assessment the student is preparing for. It also brings back earlier material at the right moment, so learning sticks rather than fading. 

The same data flows to teachers and school leaders as clear, actionable reports, so they know which students need help and on what. 

 

What are the biggest technical challenges in building AI systems that can genuinely improve learning outcomes rather than simply generate educational content? 

The hardest part is measuring learning rather than activity. It is easy to build something students click on a lot. It is much harder to prove they actually know more afterwards. That is why we invest in validation and research, not just in features. 

The second challenge is quality and alignment. Content must be accurate, pedagogically sound and aligned with the Saudi curriculum, in both Arabic and English. Generative AI can produce a lot very quickly, but in education a confident wrong answer does real damage, so we keep strong quality control around everything the system shows a student. 

The third is getting the recommendation right from limited data, especially when a student is new to the platform, and keeping it right as they progress. 

And finally, the system has to fit how schools actually work. AI does not replace the teacher. It has to give teachers and school leaders insight they can act on in the time they have. 

 

What gaps in the Saudi education system did you identify when you first built AILA, and how have those needs evolved since the company launched? 

When we started, the biggest gap was that one classroom holds students at very different levels, yet they are largely taught the same way at the same pace. Teachers knew some students were falling behind, but they did not have the time or the granular data to know exactly why. At the same time, national assessments carry high stakes for students, and much of the targeted preparation was happening outside school. 

We built AILA to bring that personalized, data-driven support inside the school, where every student can access it. 

At the same time, AI itself has advanced enormously since we launched. Models today understand language, reasoning and student errors far better than they did a few years ago, in Arabic as well as English. That has let us do much more than we originally planned: sharper diagnosis, richer and more personal feedback, and a far better experience for students and teachers. Our offering today is stronger than what we could have built at the start. 

The need has also matured. Schools are no longer only asking how to prepare students for an exam. They want continuous visibility on learning outcomes across the year, aligned with national standards, so leaders can make decisions based on evidence. That shift, driven by Vision 2030 and the Human Capability Development Program, has shaped how our platform has grown. 

 

Saudi Arabia is investing heavily in education technology as part of its broader digital transformation. Where do you see the biggest untapped opportunities for Saudi edtech startups? 

I see three big opportunities. The first is assessment and learning analytics. The Kingdom has clear national learning outcomes, and there is huge value in tools that show schools, in real time, where students stand against them. 

The second is scale in the public sector. Private schools have moved fast, but the largest impact will come from solutions that work reliably across government schools, at national scale. 

The third is high-quality AI built for our own context. Global tools are not designed around Saudi curricula, assessments, and classroom realities. Startups that build for this market from the ground up, in both Arabic and English, have a real advantage. 

More broadly, anything that connects learning in school to what comes next, university and the job market, is still underserved. 

 

Looking three years ahead, what would success look like for AILA in terms of users, markets, and impact? 

Today we work with around 100 schools and roughly 65,000 students. In three years, success means having a proven adaptive engine, backed by published research, used by 300,000 students. 

On markets, Saudi Arabia will remain our home and our largest market, and we plan to extend across the GCC and the wider MENA region, supported by the new curricula we are adding. 

But the number that matters most is impact. We want to show, with independent evidence, that students on AILA achieve measurably better learning outcomes, and that schools using AILA make better decisions because of the data we give them. If we can prove that at scale, the growth will follow.