Noha Gad

In an era where consumers demand faster deliveries, greater convenience, and seamless shopping experiences, a logistical transformation is occurring behind the scenes: the silent rise of dark stores. These unmarked, tech-driven fulfillment centers are quietly revolutionizing retail infrastructure, emerging as the critical link between digital storefronts and instant delivery expectations in our era of hyper-speed e-commerce and q-commerce.

Recent research showed that the global dark store market is expected to hit $32.91 billion in 2025, with a CAGR of 41%. Meanwhile, the dark store market in the Middle East and North Africa (MENA) is projected to reach $12.1 billion by 2030, growing at a CAGR of 36.1%.

What exactly are dark stores?

Unlike traditional retail stores designed for customer foot traffic, dark stores are optimized exclusively for online order fulfillment. They function as micro-warehouses, strategically located in urban centers to enable hyperlocal deliveries, sometimes in as little as 10 to 30 minutes.

These highly automated spaces eliminate all traditional retail elements: no storefronts, shoppers, or checkout lines. Instead, they feature AI-driven inventory systems, robotic pickers, and smart sorting technology operating around the clock. 

By focusing exclusively on high-demand products and leveraging predictive analytics, dark stores simultaneously achieve remarkable speed, reduced waste, and optimal space utilization, making them the perfect fulfillment solution for today's instant gratification economy.

Why dark stores are gaining traction in Saudi Arabia

Dark stores are gaining traction in the Kingdom thanks to several key factors aligned with the country’s economic, technological, and consumer trends:

• Rapid growth of e-commerce. Consumers increasingly prefer quick, convenient online shopping, especially for groceries and everyday essentials. 
• Demand for super-fast delivery. Dark stores enable 10-to-30-minute deliveries, meeting rising expectations for speed. Applications like Nana, Ninja, and Haseel leverage dark stores to offer instant grocery delivery.
• Urbanization and high population density. Cities like Riyadh, Jeddah, and Dammam have dense populations, making dark stores cost-effective for covering large demand areas.
• Investment in technology and startups. Saudi venture capital firms, such as STV and Jahez, fund quick-commerce startups adopting the dark store model.

How dark stores benefit the supply chain in Saudi Arabia 

Dark stores are transforming supply chain efficiency in Saudi Arabia by optimizing logistics, reducing costs, and improving delivery performance. They provide:

• Faster and more efficient order fulfillment.
• Lower operational costs.
• Enhanced inventory management.
• Scalability for Q-commerce.
• Reduced delivery costs and carbon footprint
• Better supplier and retailer collaboration.

Dark stores vs. traditional warehouses vs. micro-fulfillment centers

Unlike large warehouses, which are typically located on the outskirts of cities and designed for bulk storage, dark stores are compact, urban-based facilities optimized for speed. They act as hidden retail hubs—stocking high-demand groceries and essentials—and enable platforms like Nana and Jahez to deliver orders in under 30 minutes.

Their proximity to consumers and tech-driven picking systems makes them ideal for Saudis' on-demand culture, though their smaller size limits inventory capacity compared to sprawling traditional warehouses.

Meanwhile, traditional warehouses are the backbone of bulk logistics, serving big retailers and manufacturers. While they lack the agility of dark stores, they support large-scale e-commerce operations with lower per-unit storage costs. However, their distance from urban centers slows last-mile delivery.

The automated, high-density micro-fulfillment centers (MFCs), often embedded in existing supermarkets or standalone sites, use robotics and AI to fulfill online orders quickly. 

Dark stores are poised to play an even bigger role in Saudi Arabia’s retail and logistics landscape, driven by several key trends, notably hyperlocal and on-demand dominance, automation and robotics integration, sustainability and cost optimization, and regulatory and investment support.

Finally, dark stores are more than a passing trend in Saudi Arabia, they’re a strategic evolution in retail and supply chain efficiency. By combining speed, cost savings, and scalability, they address the Kingdom’s unique challenges: urbanization, high digital adoption, and demand for instant gratification.

Kholoud Hussein 

In the rapidly evolving landscape of online retail, two models have emerged as dominant forces: traditional e-commerce and the newer, faster q-commerce. While both operate within the digital marketplace, they cater to different consumer needs and expectations. Understanding the distinctions between these models is crucial for businesses aiming to optimize their strategies and for consumers seeking the most suitable shopping experiences.

Understanding E-Commerce

E-commerce, short for electronic commerce, refers to the buying and selling of goods and services over the internet. This model has revolutionized retail by offering consumers the convenience of shopping from anywhere at any time. E-commerce platforms typically provide a vast selection of products, ranging from electronics and clothing to home goods and more. Delivery times can vary, often taking several days, depending on factors like location and shipping options.

Introducing Q-Commerce

Q-commerce, or quick commerce, represents a subset of e-commerce that focuses on ultra-fast delivery, often within minutes to a few hours. This model has gained traction with the rise of mobile technology and the increasing demand for immediate gratification. Q-commerce is particularly prevalent in urban areas, where dense populations and infrastructure support rapid delivery services. Products commonly offered include groceries, personal care items, and other daily essentials.

Key Differences Between E-Commerce and Q-Commerce

1. Delivery Speed: The most significant distinction lies in delivery times. E-commerce typically involves standard shipping durations, ranging from a few days to a week. In contrast, q-commerce emphasizes speed, aiming to fulfill orders within an hour or less, catering to consumers' desire for instant access to products.
2. Product Range: E-commerce platforms often boast extensive product catalogs, offering a wide array of items across various categories. Q-commerce, however, focuses on a curated selection of high-demand, essential products that can be delivered quickly, such as groceries and household necessities.
3. Operational Infrastructure: E-commerce relies on large warehouses and a broad logistics network to manage inventory and fulfill orders. Q-commerce utilizes smaller, strategically located fulfillment centers, often called "dark stores," to facilitate rapid delivery within specific geographic areas.
4. Consumer Behavior: Shopping patterns differ between the two models. E-commerce purchases are often planned, with consumers taking time to compare products and prices. Q-commerce caters to impulse buying and urgent needs, providing a solution for last-minute purchases.
5. Technology Utilization: Both models leverage technology, but q-commerce heavily depends on real-time data, GPS tracking, and mobile applications to coordinate swift deliveries and manage inventory efficiently.

Market Trends and Statistics

The q-commerce sector has experienced significant growth, driven by changing consumer behaviors and technological advancements. For instance, the global q-commerce market was valued at $25 billion in 2021 and is projected to reach $72 billion by 2025, reflecting a compound annual growth rate (CAGR) of 29%. This surge is attributed to the increasing demand for convenience and the proliferation of smartphones and internet connectivity.

Business Implications

For businesses, choosing between e-commerce and q-commerce models depends on various factors, including target audience, product type, and operational capabilities. E-commerce is suitable for companies offering a broad range of products and targeting a wide geographic area. Q-commerce is ideal for businesses focusing on essential goods and serving densely populated urban centers where rapid delivery is feasible.

Finally, both e-commerce and q-commerce have transformed the retail landscape, each offering unique advantages tailored to different consumer needs. E-commerce provides variety and accessibility, while q-commerce delivers speed and convenience. As consumer expectations continue to evolve, businesses must adapt by integrating elements of both models to remain competitive and meet the diverse demands of the modern shopper.

Ghada Ismail

Imagine this: You wake up and grab your phone. With just a few taps, you can order breakfast, pay your electricity bill, book a ride to work, and even schedule a doctor's appointment - all without leaving a single app. This isn't the future! it's happening right now in Saudi Arabia as local companies race to build the ultimate "everything app."

Originating in Asia with pioneers like China’s WeChat and Southeast Asia’s Grab, the ‘Super App’ model is now gaining traction in the Gulf. In Saudi Arabia, where smartphone penetration exceeds 98% and over 80% of the population is under 45, the appetite for mobile-first solutions is soaring. Add to that the government’s backing of digital transformation through initiatives like Vision 2030 and Saudi Payments, and the conditions are ripe for local champions to emerge.

These apps, which combine multiple services, such as payments, social networking, e-commerce, transportation, and more, into a single platform, are quickly becoming a core part of daily life in the Kingdom. As Saudi Arabia continues its push for digital transformation under Vision 2030, super apps are poised to play a pivotal role in reshaping the country’s economy and digital infrastructure. In this article, we will explore the key players in Saudi Arabia's super app scene, the features that make these apps stand out, the challenges they face, and the future opportunities they bring.

Key Players in Saudi Arabia’s Super App Landscape

Saudi Arabia’s super app scene is still in its infancy, but several key players have already established a significant presence, offering a glimpse of what the future could hold.

STC Pay

STC Pay, launched by Saudi Telecom Company (STC), is one of the most dominant players in the digital financial services sector in Saudi Arabia. Originally conceived as a payment platform, STC Pay has expanded into a multifunctional hub. Users can perform a wide range of activities, including transferring money, paying bills, and purchasing goods and services online. The platform also facilitates peer-to-peer payments and has been integrated into a variety of sectors, from retail to transportation. As Saudi Arabia continues to push for a cashless economy, STC Pay’s efforts to integrate financial services with e-commerce and more could position it as a leading super app.

Careem

Careem, a company originally founded as a ride-hailing service, has evolved significantly since its launch in Saudi Arabia. After its acquisition by Uber, Careem has expanded its portfolio of services, now including food delivery, transportation, payment solutions, and last-mile delivery. Careem’s ongoing shift towards becoming a super app is apparent as it aims to provide a one-stop platform for a range of services that cater to the daily needs of its users. This comprehensive approach to service integration places Careem in direct competition with other regional super apps.

Hala (by Uber)

Uber’s localized ride-hailing solution in Saudi Arabia, Hala, is another key player in the Kingdom’s super app race. While it primarily focuses on transportation, Uber’s deepening involvement in the Saudi market points to a strategic move toward the creation of a super app in the future. By combining transport services with other offerings, such as food delivery and digital payments, Hala aims to become an integral part of users’ lives, tapping into the growing demand for all-in-one digital platforms.

Noon

Noon, one of the leading e-commerce platforms in Saudi Arabia, has expanded beyond its online retail base to incorporate more services, including payments, grocery shopping, food ordering and customer loyalty programs. By creating a seamless experience for users to shop, pay, and access additional services, Noon is positioning itself as a potential contender in the super-app race. The company’s push to diversify its offerings could see it evolve into a multifunctional platform that covers everything from shopping to digital entertainment.

Emerging Players

Other emerging players in Saudi Arabia’s digital ecosystem are likely to make their mark as well. With fintech and e-commerce startups on the rise, collaboration between these companies could result in new super apps that cater to specific niches or combine unique service offerings, such as healthcare, transportation, and entertainment.

Jahez: From Food Delivery to Full Lifestyle Platform
Launched in 2016, Jahez started as a food delivery app and quickly rose to dominance thanks to its user-friendly experience, wide restaurant network, and early adoption of localized logistics. In 2021, Jahez became one of Saudi Arabia’s first tech startups to list publicly on Nomu, the parallel market of Tadawul—underscoring its local investor appeal.

Evolving into a Super App: Jahez has been aggressively expanding its verticals, aiming to evolve from a pure food delivery app into a comprehensive lifestyle logistics platform. Some of its most notable moves include:

• Jahez Express: A same-day courier and package delivery service tapping into last-mile logistics.
• Quick Commerce (Q-Commerce): Partnerships with convenience stores and pharmacies for ultra-fast delivery of non-food essentials.
• Cloud Kitchens & Restaurant Tech: Jahez is investing in backend solutions for restaurants, positioning itself not just as a platform but a partner in operations.
• Acquisitions & Subsidiaries: The company has made strategic acquisitions to build its infrastructure, like ‘The Chefz’ (a premium food delivery app), broadening its reach across segments.

HungerStation: Saudi’s Food Pioneer with Super App Ambitions
Launched in 2012, HungerStation was among the first food delivery platforms in the Kingdom. It was acquired by Delivery Hero, which provided the global scale and capital needed to keep up with the competitive landscape. Today, HungerStation operates in over 80 cities across Saudi Arabia.

Moving Toward a Super App Model: While still primarily associated with food delivery, HungerStation has been quietly adding services that align with super app strategies:

• Grocery Delivery: Partnering with local stores and chains, HungerStation now lets users shop for essentials directly in-app.
• Courier Services: Delivery for non-food items—documents, parcels, etc.—via third-party partnerships.
• In-App Offers & Loyalty Programs: Integrating discounts, deals, and cashback—building a sticky user experience.
• POS and Merchant Services: Beginning to offer backend support to its restaurant partners, though less aggressively than Jahez.

Key Features of Super Apps in Saudi Arabia

Super apps in Saudi Arabia combine a variety of services within one platform, making them an essential part of users' daily lives. These are some of the key features that set them apart:

• Integrated Payment Solutions

At the heart of most super apps lies their integrated payment solutions. Apps like STC Pay and Careem have evolved into digital wallets that enable users to make payments, transfer money, pay bills, and even purchase goods and services, all from within the app. This financial integration is crucial for a cashless society and aligns with Saudi Arabia's broader push to increase digital financial transactions.

• E-commerce and Online Marketplaces

Super apps in Saudi Arabia are also driving the e-commerce boom. Apps like Noon have expanded their services to offer everything from electronics to groceries, with built-in payment options. The ability to shop, track deliveries, and access customer service through a single platform offers great convenience for consumers and a competitive edge for businesses.

• Transportation and Mobility

Ride-hailing services like Careem and Hala have already made a significant impact on urban mobility in Saudi Arabia. These services now go beyond simple transportation, offering features like delivery services and integrated payment options. With the inclusion of last-mile delivery solutions, these platforms are creating an integrated transportation ecosystem.

• Social and Entertainment

While most super apps focus on e-commerce and finance, some are branching out into social networking and entertainment. These platforms aim to become all-encompassing digital spaces where users can not only shop and pay but also connect with others and enjoy entertainment content, further driving user engagement.

• Healthcare and Digital Services

In line with Saudi Arabia’s vision to modernize healthcare, some super apps are exploring telemedicine and e-health services. These features allow users to consult with healthcare professionals remotely, book medical appointments, and access their health records, making healthcare more accessible.

Challenges Faced by Super Apps in Saudi Arabia

Despite the promising growth of super apps in Saudi Arabia, several challenges remain for both existing players and newcomers.

• Regulatory Hurdles

One of the key challenges facing super apps is navigating the regulatory landscape in Saudi Arabia. The government’s efforts to streamline digital financial services and data privacy regulations will require super apps to adhere to stringent compliance requirements. This can be a barrier to entry for new players and a significant challenge for existing ones.

• Consumer Trust

Building consumer trust is crucial for super apps, especially when dealing with sensitive data such as payment information, personal profiles, and shopping preferences. As more services are integrated into these apps, users may have concerns about the security and privacy of their data, which could hinder adoption.

• Competition

The competition in Saudi Arabia’s digital ecosystem is fierce. Local companies are facing pressure from global giants like Uber and Amazon, who have the resources and experience to quickly scale their services. Additionally, new startups are emerging with innovative solutions, further intensifying competition in various sectors.

• Technological Infrastructure

Delivering seamless user experiences on such complex platforms requires robust technological infrastructure. Super apps need to scale efficiently, ensure high availability, and integrate various services without compromising performance or security.

Future Trends and Opportunities

• Partnerships and Collaborations

Super apps will likely continue to evolve through strategic partnerships and collaborations. Telecom companies, fintech startups, and government bodies may work together to create more integrated solutions, catering to the growing demand for digital services in Saudi Arabia.

• Investment and Innovation

As the market for super apps grows, so too will investment in cutting-edge technologies such as artificial intelligence (AI), blockchain, and machine learning. These technologies could enhance user experiences, improve security, and streamline operations.

• Vision 2030 and Digital Transformation

Super apps are integral to Saudi Arabia's Vision 2030, which aims to reduce the country’s dependence on oil and diversify its economy. By embracing digital platforms that offer a wide array of services, Saudi Arabia can further drive economic growth and boost technological innovation.

• Customer-centric models

The future of super apps will be centered on creating customer-centric models, using data and AI to offer personalized services. As super apps accumulate vast amounts of data, they will be better equipped to anticipate user needs and provide tailored solutions.

Conclusion

The super app trend in Saudi Arabia is still in its early stages, but it shows great promise. With key players like STC Pay, Careem, Noon, and others leading the charge, the country is well on its way to becoming a hub for multifunctional digital platforms. While challenges like regulatory compliance, consumer trust, and competition remain, the opportunities for innovation, investment, and growth are immense. As super apps continue to develop and expand, they will play a central role in shaping Saudi Arabia’s digital future, transforming everything from finance and e-commerce to transportation and healthcare.

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Ghada Ismail

Kuwait's largest online classifieds platform, 4Sale, has become a household name in the region's digital marketplace landscape. Spearheading the platform's technological evolution is Khaled Gomaa, Chief Technology Officer at 4Sale. 
 

A seasoned tech leader with 16 years of experience across all stages of business growth, Khaled has a strong passion for creating products that drive business value. He founded his first company at 18 years old and has since contributed to various technology-driven projects, including social media, marketplaces, AdTech, LegalTech, chatcommerce, and e-commerce sectors.
 

Throughout his career, Khaled has worked with systems and platforms handling billions of requests, and startups searching for the optimum product-market fit; providing him with vast experience in developing solutions meeting corporate and customer goals.
 

In this exclusive interview, Khaled shares insights into the platform's journey, its most popular features, and how it has evolved to meet changing consumer expectations. He also discusses 4Sale's innovative use of emerging technologies like AI and machine learning, while offering valuable advice for aspiring tech entrepreneurs in the region.

1.    For those who might not be familiar, can you share the story behind 4Sale and what inspired its creation?

4Sale was founded by our CEO - Tarek Sakr – in 2014, following his memorable – but incredibly frustrating - consumer experience, many years ago, of attempting to purchase a second-hand car in Kuwait.

He found the experience so challenging and non-user-friendly that it sparked an entrepreneurial idea. He took a particular interest in subsequently researching the then-embryonic online car sales market – before launching his own website. This grew into what is now Kuwait’s largest online classifieds platform – a platform where people come together to buy and sell goods and services.

Since its inception, 4Sale has supported over 2 million registered users in listing 14 million items and services. Over 7 million devices have accessed the platform through app downloads or website registrations, driving 30 million page views each month.

Trading is a way of life in Kuwait, and creating an online, localized marketplace was a compelling opportunity. Tarek believed technology could capitalize on these cultural strengths and – with online classifieds - there are also virtually no restrictions on product categories to integrate into the business model.

We are committed to the power of personalization. By using cutting-edge technology, we customize our products to match each user’s unique preferences, creating a seamless and tailored shopping experience. Our mission is clear: to make it easy for individuals to find and access the products they love.

2.    What categories or features are currently the most popular on 4Sale, and why do you think they resonate so well with users?          

Consumer tastes often shift with the seasons and annual events. For example, during Ramadan, our platform sees a major surge in gift sales, amid increased demand for items such as Misbah. This year - we expect the same pattern. Among the top five gifts in Kuwait were watches, Misbah, pens, leather bags, and wallets—each symbolizing enduring elegance and practicality.

Given 4Sale’s heritage in automotive, it is a core part of our DNA and remains one of the most popular verticals on our platform. Last year, our dominance was further cemented via partnerships with car dealerships.

In addition to that, our Contracting vertical grew 7% in revenue year over year, demonstrating shows how we're driving more customers to our service providers, boosting their business and their confidence in our platform.

3.    How has the platform evolved to meet the changing expectations of users over the years?    

We know—by paying close attention to the data—that today’s customers desire (i) highly specific, tailored interactions, (ii) to be genuinely understood, and (iii) easy and seamless access to purchases. By refining our processes through data collection, we can offer timely, relevant recommendations that create a more personal and enjoyable customer experience.

In this context, people are using the platform as a price reference; it has become essential for knowing what is sold where.

This evolution has also allowed local businesses to gain increased visibility—whether offline or online—by highlighting their services and showrooms, including certified listings from trusted sources offered by 4Sale.

As our rapid growth continues, we will scale up our entire infrastructure in line with our 2025 goal of reaching two million monthly active users across additional verticals. This would represent an impressive market share in a country of just five million people—and our infrastructure will be ready for it.

4.    In your opinion, what makes classifieds and e-commerce platforms like 4Sale essential in today’s economy?
People will always trade, even if their methods change. As digitization has increased, we have led in technology. Today’s customers also want effortless experiences - be it buying or selling – and we simplify the buying and selling process for users. Our cutting-edge technology powers advanced algorithms so the process is as tailored and easy as possible.

5.    Are there any new products or features in the making to be launched soon?

We are continuously working on new features and are currently preparing some very exciting updates to enhance our primary verticals—automotive and real estate.  These updates will allow users to compare prices and know more about the availability of products, as we are committed to helping service providers gain more market visibility in Kuwait. Obviously, we can’t reveal too much right now - but stay tuned!

6.    How do you see emerging technologies like AI, blockchain, or Web3 shaping the future of marketplaces like 4Sale?

We already use GenAI to identify distinct user groups based on demographics, behavior, cultures, nationalities, and preferences, enabling tailored marketing campaigns for events and cultural festivals. This approach enhances the overall customer experience by considering their interests, pastimes, hobbies, and collections.

We are also enhancing our machine-learning-driven content moderation system. A key challenge we are tackling involves customers either (i) unintentionally providing incorrect ad details or (ii) misusing the ad modification feature. For example, when users edit their listings, they may significantly alter the content—at times, effectively creating an entirely new ad under the guise of an update.

To mitigate this, we are developing a model that evaluates ad modifications, determining whether changes are routine or substantial enough to require blocking. Additionally, the model helps filter inappropriate content across text, images, and other media, ensuring our platform maintains high-quality standards.

As you can see, the use cases of AI are very broad, and we are excited about these developments. They will enhance marketplaces, making them increasingly appealing to customers.

7.    What’s your vision for 4Sale’s future, within Kuwait?
We want to increase the number of verticals we operate in – having now expanded to 197 categories. We will continue to drive innovation - elevating our technology to maintain (and enhance) our status as the leading classifieds service in Kuwait.
As a highly trusted brand that is integrated into users’ everyday behavior, we also want to get closer to transactions and offer even more value-added services during those transactions.  This includes a strong focus on business sustainability for our service providers, helping them get more customers and visibility.
If we can keep doing all these things, as we have been doing, then the future will be very exciting.

8.    Is there anything you’d like to share with aspiring tech entrepreneurs or those looking to create similar platforms in the region?  

I'd start by saying that instead of building from scratch, focus on optimizing and improving what already exists to accelerate development, control costs, and enhance reliability. This approach is crucial for capitalizing on the incredible pace of technological advancements in our region, which has enormous growth potential that can benefit from these developments. This situation is both a privilege and a responsibility. Entrepreneurs need to be hardworking, thoughtful, and creative to capitalize on these trends. Hard work pays off—just be patient and keep going.
 

Mohamed Ramzy 

Financial technology (fintech) companies mainly focus on growing and expanding their businesses while keeping pace with cutting-edge technologies and breakthrough solutions in this fast-evolving sector, where rapid advancements shape the landscape both locally and globally. 

Amid the rapid growth of the Egyptian fintech market, Just2Pay, a leading provider of e-payments for businesses and individuals, is pursuing an ambitious expansion strategy that aligns perfectly with the major transformations anticipated for the sector in the coming period.

In this regard, Sharikat Mubasher held an interview with Ahmed Attia, Co-founder and Chief Technology Officer at Just2Pay, to learn more about the company’s future expansion plans locally and regionally, and discuss Just2Pay’s strategic partnerships that reinforce its leading role in advancing commercial and financial solutions in Egypt and the wider region.

First, can you tell us more about Just2Pay’s journey and its offerings in the Egyptian market? 

The COVID-19 pandemic dramatically accelerated the adoption of e-payments in Egypt, creating a crucial opportunity for companies like Just2Pay. Launched in 2020 during this period of radical change in the fintech sector, Just2Pay addressed the urgent need for digital payments for all society segments, including employees, workers, and students.

The pandemic revealed a significant gap in accessible and secure services, especially for small and medium-sized businesses (SMEs). Thus, we focused on providing e-payment solutions and digital transformation systems for SMEs, entrepreneurs, and startups.

Just2Pay joined the MV Builder II, a venture-building program managed by Modus Capital and supported by the U.S. Agency for International Development (USAID), to gain access to strategic guidance and operational support. A subsequent investment from Modus Capital further fueled our customer base expansion, positioning us as a leader in the industry.

What are the key services that Just2Pay offers to businesses in the Egyptian market?

Just2Pay is a strategic partner for micro, small, and medium-sized enterprises (MSMEs) that enables them to streamline their operations. We provide a comprehensive solutions range— from cutting-edge software to seamless payment services— to deliver an exceptional experience and support their business growth.

Just2Pay offers a comprehensive suite of digital services, including software-as-a-service (SaaS) products, enterprise resource planning (ERP), and customer relationship management (CRM). Additionally, we provide specialized tools for managing clinics and restaurants, along with tailored solutions for large businesses.

Do your services cater to the owners of small businesses?

Definitely yes. Our digital services and solutions are designed specifically for small businesses which often face challenges dealing with banks and major financial institutions. From day one, we have focused on this segment, offering user-friendly technology and systems tailored to their operations. 

We also provide affordable company management and CRM systems with monthly subscriptions starting from 350 EGP, making it accessible for any startup.

What are Just2Pay’s plans to grow and expand in the Egyptian market within the upcoming period?

Just2Pay pursues ambitious plans to expand its business in the Egyptian market, as we see significant growth potential for years to come. Despite the significant increase in the number of market players today, growth opportunities remain available to all, provided that companies clearly define their objectives.

We are currently developing marketing plans that support SME owners by offering competitive prices to reduce costs that may burden these companies at the beginning of their journey.

Just2Pay plans to expand its customer base to reach 400,000 individuals and MSMEs by 2030, simplifying their business operations and offering seamless, secure alternative payment solutions.

We also collaborate with the Central Bank of Egypt (CBE) to integrate our services with InstaPay, the instant payment network licensed by CBE. We will connect our system to InstaPay's company database, enabling businesses to conduct all their financial transactions electronically, seamlessly, and securely.

Do you plan to raise more funds to fuel your expansion strategies? and how much are you looking to raise?

We plan to raise a new funding round during the second half of 2025 to fuel our expansions. The round value has not been determined yet, but it will be based on the company’s valuation during the first six months of 2025. Modus Capital, our strategic partner, qualifies Just2Pay for the upcoming round and will conduct the company’s valuation to determine its funding needs. 

Does Just2Pay plan to expand beyond the Egyptian market?   

Just2Pay focuses on expanding operations in Egypt over the next two years, with plans to expand into other regional markets in the future, notably Saudi Arabia, which is currently witnessing an unprecedented boom in the fintech industry.

Can you share more about Just2Pay’s recent strategic partnerships?

We recently signed several cooperation agreements with key players in the fintech industry. For example, our collaboration with Swype enables us to provide an integrated financial experience to help businesses manage their commercial and financial operations efficiently. Our partnerships with Taly and BelBaqy also enhanced our ability to cater to the diverse needs of the commercial sector. 

This is just the beginning; we have more partnerships in the pipeline that will be announced soon.

What are the key challenges facing the startup ecosystem in Egypt?

In my opinion, startups in Egypt face numerous hurdles extending beyond funding. These include challenges related to laws and regulations, training and skill development, experience acquisition, and fostering an entrepreneurial mindset. Furthermore, businesses and project owners encounter obstacles with regulatory bodies, which have not yet fully comprehended the prevailing trend toward supporting SMEs.

I believe that business accelerators and incubators play a pivotal role in tackling these challenges and empowering startups and entrepreneurs in Egypt by providing guidance, consultancy, essential funding, and ongoing training.

Translation: Noha Gad

Noha Gad

The retail landscape in Saudi Arabia has witnessed a significant leap in recent years, driven by rapid technological advancements and the growing demand for convenience.  In a country where digital transformation and innovation are at the forefront, quick commerce (q-commerce) found fertile ground, revolutionizing the way consumers shop online by prioritizing speed and convenience.

Q-commerce, sometimes used interchangeably with ‘on-demand delivery’ and ‘e-grocery’, is e-commerce in a new and faster form. This innovative model combines the efficiency of traditional e-commerce with the immediacy of local delivery services, catering primarily to urban dwellers who seek quick access to everyday essentials like groceries, household items, and prepared meals.

As the demand for rapid delivery solutions has surged, especially in the wake of the COVID-19 pandemic, q-commerce has emerged as a distinct segment within the retail landscape.

Traditional E-commerce Vs. Q-Commerce

Unlike traditional e-commerce, which often involves longer delivery times and a broader product range, q-commerce focuses on a limited selection of high-demand items stored in strategically located micro-fulfillment centers.

These facilities are designed to facilitate swift deliveries using agile transportation methods, such as bicycles or scooters, ensuring that customers receive their orders within an hour or even minutes.

Regarding business models, Saudi q-commerce companies, such as Jahez, HungerStation, Nana, and Floward, utilize small and local warehouses located near urban centers to enable rapid fulfillment of orders. However, traditional e-commerce companies generally rely on larger, centralized distribution hubs that serve a broader geographic area but at the cost of speed.

Q-commerce aligns with modern consumers' desire for instant gratification, where customers expect their orders to arrive almost immediately. It primarily targets urban areas where demand for quick delivery is high and logistics are manageable.

Key Features of Q-commerce

Q-commerce is rapidly transforming the retail sector in Saudi Arabia by offering a unique shopping experience. Here are the key features that define q-commerce:

• Ultra-fast delivery
• Convenience
• Hyperlocal operations
• Limited product range
• Real-time order tracking
• Reliability and quality assurance
• Cost efficiency

Benefits of q-commerce for businesses in Saudi Arabia

The q-commerce market in Saudi Arabia offers numerous advantages for businesses looking to thrive in a competitive marketplace as it is anticipated to reach around four billion orders annually by 2026, backed by increasing consumer demand for fast delivery services and the emergence of new players in the sector. Here are some major benefits of adopting a q-commerce model in the Kingdom:

• Rapid market growth. 
• Enhanced customer experience. 
• Increased operational efficiency
• Access to valuable consumer data
• Flexibility and scalability 
• Competitive advantage

In conclusion, q-commerce is reshaping the retail landscape in Saudi Arabia and beyond, offering businesses an innovative way to meet the growing demand for speed and convenience in shopping. By leveraging ultra-fast delivery services, strategic micro-fulfillment centers, and advanced technology, companies can enhance customer experiences while optimizing their operations.

As the q-commerce market continues to expand, businesses that adapt to this model stand to gain a significant competitive advantage. They can attract a loyal customer base while realizing Vision 2030’s digital transformation and economic diversification goals. 

Shaimaa Ibrahim

The cashless economy represents a fundamental transformation in the way financial transactions are being processed globally. In Saudi Arabia, the ambitious Vision 2030 targets enhancing financial inclusion and building a digital environment that fosters a non-cash economy.

Startups working in tech-based sectors play a pivotal role in enhancing the non-cash economy and driving digital transformation in the world in general and Saudi Arabia in particular. These startups contribute to developing innovative solutions that change consumer behavior and promote digital payments.

Importance of non-cash economy

The non-cash economy contributes to accelerating payments, reducing transaction times, enhancing the efficiency of commercial businesses, and lowering operational costs. It also provides unbanked individuals and small-sized enterprises a seamless access to financial services. Hence, the Saudi government adopted several strategies to drive digital transformation by fostering innovation in the fintech industry and upgrading e-payments infrastructure, leading to a leap in digital payments in the Kingdom.

According to figures released by the Saudi Central Bank (SAMA), the share of e-payments in the retail sector reached 70% of total retail payments in 2023, up from 62% in 2022. Additionally, Saudi national payment schemes saw significant growth in 2023 as the number of e-payments processed through these schemes hit 10.8 billion, compared to 8.7 billion transactions in 2022.

Startups and non-cash economy

Startups play a crucial role in driving the Kingdom’s shift towards a non-cash economy, thanks to their innovative solutions that transform the pattern of financial transactions.

Here, we showcase the key factors that make startups the driving force behind Saudi Arabia’s non-cash economy:

• Offering innovative solutions. Startups develop new solutions that offer users convenient and safe payment methods and enhance digital payment culture.
• Enhancing e-commerce.  Startups often establish platforms that streamline online purchases and payments by providing safe and flexible payment options.
• Supporting Vision 2030. Startups in Saudi Arabia spare no effort to realize Vision 2030’s goals of enhancing digital transformation, achieving financial inclusion, and diversifying the national economy away from oil resources.
• Promoting cybersecurity. Cybersecurity is a top priority for startups. That is why they invest heavily in upgrading security measures to protect users' data.
• Boosting financial inclusion. Startups provide financial services for individuals and small-sized enterprises that do not have access to traditional banking services, offering flexible payment solutions that cater to the different needs of all categories.

Finally, startups can play a crucial role in realizing Vision 2030 objectives, backed by the Kingdom’s continuous digitization efforts. By tackling challenges facing startups and bolstering cooperation between government and private sector, Saudi Arabia will be able to create a robust digital economy that fosters sustainable economic development.

Translation: Noha Gad

Shaimaa Ibrahim

E-wallets have become one of the key financial innovations in today’s era of digital evolution. They transform the way individuals and businesses process their financial transactions easily and securely, promote financial inclusion, and enhance the quality of life. 

With the growing adoption of technology in all life aspects, e-wallets emerged as an innovative solution that meets the users’ needs. The usage of e-wallets is expected to rise within the upcoming period, triggered by the increase in the number of innovative fintech startups that are expected to contribute to innovating and developing new services to enhance users’ experience.

What is e-wallet?

An E-wallet is an application or platform that enables users to store their funds and make safe and secure financial transactions, including paying for goods and services and receiving money.

Types of e-wallets

• Closed wallet: allows users to store their funds and spend them only with the issuer of the wallet.
• Semi-closed wallet: allows users to easily make transactions at specific merchants and locations. It enables online purchases and allows users within the network to send funds to one another.
• Open wallet: allows users to conduct transactions from anywhere in the world. It can be used for any type of transaction, making it easy to transfer funds and make online and in-store payments.
• Mobile wallet: enables users to make payments through their smartphones.
• Online wallet: mainly used to make online financial processes.    
• Crypto wallet: enables users to store, send, or receive digital currencies like Ethereum and Bitcoin.

Common uses of e-wallets

• In-store payments
• Money transfers 
• Bill payments

Importance of e-wallets

E-wallets are not just a payment method. They play a pivotal role in:

• Promoting financial inclusion.
• Enhancing customers’ experience.
• Facilitating daily financial transactions.
• Raising safety and security.
• Reducing transaction costs.
• Streamlining e-commerce activities.

Finally, e-wallets play a fundamental role in driving the digital transformation of the global financial ecosystem as they enable users to manage funds and make daily transactions seamlessly and securely. This technology has promising opportunities to grow, backed by government support and continued innovations. E-wallets are expected to continue reshaping the payment landscape, enhancing the economy, and making financial transactions easier and more flexible. 

Translation: Noha Gad

Mohamed Ramzy

Saudi Arabia relies on financial technology (fintech) applications to promote financial inclusion, in alignment with Vision 2030’s goals of increasing the share of non-cash transactions (digital transactions) amongst individuals and reducing the use of cash to 70% by 2025.

One of Saudi Arabia’s main goals is to increase the number of fintech firms to 230 by the end of 2025, with aspirations to reach 525 fintech firms by 2030. In doing so, the Kingdom encouraged the establishment of new fintech firms to create almost 18,000 jobs and contribute around SAR 13.3 billion to the national gross domestic product (GDP). 

The fintech ecosystem in Saudi Arabia has witnessed great momentum since the Saudi Central Bank (SAMA) launched the Fintech Saudi initiative in 2018 aiming to foster innovation and collaboration between startups and investors as well as other active entities. 

According to the Fintech Report 2022 released by SAMA, there were seven licensed fintech firms in the Kingdom in 2018, then the number doubled to 14 in 2019 and continued to rise until it reached 30 by the end of 2022. 

By the end of 2023, the number of fintech firms surpassed the 2023 target of 150 firms to hit 216 fintech firms offering various financial solutions, including digital payments and e-wallets. This considerable momentum in the fintech sector positioned Saudi Arabia as a prime destination for venture capital (VC) investments.

During the first nine months of 2024, Saudi startups secured $509 million, seizing 40% of the funding raised in the Middle East and North Africa (MENA) region, as stated in a recent report by MAGNiTT. Fintech remained the top sector with investments worth $480 million, representing 37% of MENA’s total funding. 

Finally, these records reflect the Kingdom’s efforts to support innovation in the fintech sector as it is a key pillar to achieving financial inclusion and creating a non-cash society. 

Translation: Noha Gad

Ghada Ismail

As the financial landscape evolves at a crazy pace, Saudi Arabia is embracing digital transformations in its banking sector. A key development is the rise of neobanks, which offer services exclusively online without physical branches, challenging the dominance of traditional banks. This article comprehensively explores the differences between neobanking and traditional banking in Saudi Arabia, examining their benefits, limitations, and impact on consumers.

What Are Neobanks and Traditional Banks?

Neobanks are financial institutions that operate entirely online. They provide services such as checking and savings accounts, loans, and payment services through mobile apps and websites. In Saudi Arabia, neobanks aim to provide a seamless user experience with minimal fees, leveraging technology for personalized services. Examples of neobanks in Saudi Arabia include STC Pay and Samba Digital.

Traditional Banks, on the other hand, have physical branches and a long-standing presence in the market. They offer a wide range of financial services, from basic banking to complex investment products. Key players in the Saudi Arabian market include Saudi National Bank, Riyad Bank, and Al Rajhi Bank.

Key Differences between Neobanks and Traditional Banks

1. Accessibility and Convenience

Neobanks: Operate fully online, which allows users to access their accounts and manage finances anytime and anywhere through mobile apps or web interfaces. This accessibility aligns with the increasing digital-savvy population in Saudi Arabia, particularly among the youth who prefer online services.

Traditional Banks: Require customers to visit physical branches for certain services, which can be inconvenient. However, many traditional banks in Saudi Arabia have also embraced digital transformation, offering mobile banking apps and online services.

2. Cost Structure

Neobanks: Typically have lower operational costs due to the absence of physical branches. As a result, they often offer lower fees or even fee-free banking. In Saudi Arabia, some neobanks offer no-fee accounts, competitive exchange rates, and reduced international transaction fees.

Traditional Banks: While they offer comprehensive services, traditional banks generally have higher fees to cover branch operations and maintenance costs. For example, fees for international transfers, ATM withdrawals, and account maintenance can be higher than those charged by neobanks.

3. Range of Services

Neobanks: Initially focused on core banking services, neobanks in Saudi Arabia are expanding their offerings to include personal loans, credit facilities, and investment products. However, their range of services is still limited compared to traditional banks.

Traditional Banks: Provide a more comprehensive suite of services, including mortgages, corporate banking, and wealth management. Saudi Arabian banks also have established relationships with government entities, which can be beneficial for customers who need government-related financial services.

4. Customer Experience and Technology

Neobanks: Leverage advanced technology to provide a streamlined, user-friendly experience. They offer features such as instant notifications, spending analysis, and budgeting tools, which appeal to tech-savvy customers.

Traditional Banks: Although they are investing in digital services, traditional banks in Saudi Arabia are often perceived as slower to adopt cutting-edge technologies. However, their emphasis on customer service through personal interaction and relationship management remains a significant advantage.

5. Security and Trust

Neobanks: Since they are relatively new, neobanks may face trust issues among older or less tech-oriented customers. However, in Saudi Arabia, neobanks are regulated by the Saudi Central Bank (SAMA), which ensures compliance with stringent security and privacy standards.

Traditional Banks: Enjoy a high level of trust due to their long-standing presence and adherence to local regulations. In Saudi Arabia, traditional banks are perceived as more secure, especially by those who prefer in-person services.

Advantages of Neobanking in Saudi Arabia

Digital Focus: With Saudi Arabia's Vision 2030 initiative emphasizing digital transformation, neobanks align with the Kingdom’s goals by promoting cashless transactions and enhancing financial inclusion.

Cost Savings: Neobanks often eliminate common banking fees, appealing to younger and cost-conscious consumers.

Quick and Easy Account Opening: Customers can open accounts online within minutes, which is particularly attractive to the youth demographic.

Advantages of Traditional Banking in Saudi Arabia

Comprehensive Services: Traditional banks provide a wide array of services, which is beneficial for customers who need access to complex financial products.

Established Trust: Many customers prefer traditional banks due to their established reputation, branch networks, and face-to-face interaction options.

Strong Government Ties: Traditional banks in Saudi Arabia often have close relationships with governmental bodies, which can be advantageous for customers requiring government-related financial services.

Challenges and Future Outlook

For Neobanks, a key challenge is gaining consumer trust. Many customers in Saudi Arabia still value the in-person support offered by traditional banks. Additionally, while neobanks are regulated by SAMA, they must continue to strengthen cybersecurity measures to protect against digital threats.

For Traditional Banks, staying competitive will require further investment in digital transformation to meet the growing demand for online services. Traditional banks must also find ways to streamline operations and reduce costs to compete with the low-fee structure of neobanks.

As Vision 2030 drives technological innovation in the financial sector, the Saudi Arabian market is likely to see increased collaboration between traditional banks and neobanks. For example, partnerships where traditional banks offer white-labeled neobanking services could become a trend, providing customers with the best of both worlds.

Neobanks and traditional banks each offer unique advantages and face distinct challenges in Saudi Arabia. The choice between the two will largely depend on individual preferences, financial needs, and comfort with digital services. As the Saudi market evolves, the coexistence of neobanks and traditional banks will likely foster a more diverse and customer-centric financial ecosystem.

Kholoud Hussein 

Seamless KSA 2024 is poised to be a groundbreaking event that will shape the future of digital payments in Saudi Arabia, marking a critical point in the Kingdom’s journey toward a cashless economy. Aligned with Vision 2030, the event will bring together global leaders in payments, fintech, banking, and e-commerce, offering insights into the digital transformation that is revolutionizing the financial landscape. 

This article explores how Seamless KSA 2024 will catalyze Saudi Arabia’s cashless ambitions, showcasing the latest in fintech innovation, regulatory advancements, and technological breakthroughs.

Saudi Arabia’s Cashless Vision: An Overview

Saudi Arabia’s Vision 2030 is a bold initiative to transform the Kingdom into a digitally driven economy. A significant component of this transformation is the move towards a cashless society, intending to have 70% of all transactions in the Kingdom conducted via digital platforms by 2025. The government’s focus on digital payments is part of a broader strategy to foster financial inclusion, enhance convenience, and modernize financial infrastructure.

At the Financial Sector Conference 2023, Saudi Central Bank (SAMA) Governor Ayman Al-Sayari emphasized the role of digital payments in achieving economic diversification, stating, “The future of finance is digital, and our push towards a cashless society is not only about convenience but about driving innovation and ensuring that the Kingdom stays competitive in the global economy.” According to a recent report by Saudi Payments, the adoption of digital transactions increased by 40% in 2023 alone, driven by the rise of mobile wallets, contactless payments, and fintech innovations.

The Role of Seamless KSA 2024 in Shaping the Payment Ecosystem

Seamless KSA 2024 will serve as a vital platform for discussions on the future of digital payments in Saudi Arabia. The event will bring together key players from across the ecosystem, including fintech startups, global payment providers, banks, and government regulators to explore the latest trends and opportunities in digital finance.

Key Themes at Seamless KSA 2024

• Mobile Wallets and Contactless Payments: Seamless KSA 2024 will showcase the rapid growth of mobile wallets like Mada Pay, STC Pay, and Apple Pay, which have become central to the digital payment ecosystem in Saudi Arabia. According to a 2024 report by Mada, over 57% of all retail transactions in Saudi Arabia are now conducted through contactless payments, reflecting the country’s shift away from cash. Ammar Al Sulaiman, CEO of Saudi Payments, stated: “Mobile wallets have transformed the way consumers and businesses interact. Seamless payment options are now the standard, and this trend will only grow as we further integrate AI and fintech into our systems.”

• Buy Now, Pay Later (BNPL): The BNPL model has seen rapid adoption in Saudi Arabia, with platforms like Tamara and Tabby leading the charge. At Seamless KSA 2024, industry leaders will discuss how BNPL is changing consumer behavior, offering more flexibility and boosting e-commerce sales. A 2024 report by Fitch Solutions revealed that the BNPL market in Saudi Arabia grew by 67% in 2023, highlighting the increasing demand for alternative payment methods among younger, tech-savvy consumers.

• AI and Blockchain in Payment Systems: Artificial intelligence (AI) and blockchain technologies are at the forefront of payment system innovation, with Saudi fintech companies using these technologies to enhance security, speed, and transparency. Seamless KSA 2024 will delve into how AI improves fraud detection and personalized banking, while blockchain streamlines cross-border payments. At a fintech summit in early 2024, Minister of Finance Mohammed Al-Jadaan stated, “Blockchain and AI are not just buzzwords; they are reshaping the very fabric of our financial systems, offering more efficient, secure, and cost-effective ways of transacting.”

• Cross-border Payments and Financial Inclusion: With Saudi Arabia serving as a hub for international business, cross-border payments are a critical aspect of the country’s cashless vision. Seamless KSA 2024 will highlight innovations in cross-border fintech solutions, particularly those focused on reducing transaction costs and improving payment speeds. A recent report by PwC indicated that cross-border payments in Saudi Arabia increased by 30% in 2023, with fintech startups playing a key role in this growth.

Government Initiatives Driving the Cashless Vision

Saudi Arabia’s shift to a cashless society has been strongly supported by various government initiatives and regulatory frameworks. Saudi Payments, a subsidiary of SAMA, has been instrumental in rolling out digital payment systems and promoting the use of Mada, the Kingdom’s domestic payment network. As of 2024, Mada processes over 3.7 billion transactions annually, a 50% increase from the previous year.

1. The Growth of Mada and Saudi Payments

The Mada network is at the heart of Saudi Arabia’s cashless vision. With the adoption of Mada Pay and the integration of Mada with Apple Pay and Samsung Pay, the network has expanded its reach, making digital payments accessible across all retail sectors. Osama Bedaiwi, CEO of Saudi Payments, highlighted the network’s impact at a press conference in March 2024, stating, “The scalability of Mada is central to our goal of achieving 70% non-cash transactions by 2025. Our infrastructure is designed to handle the future of payments, from mobile wallets to blockchain-powered solutions.”

2. Regulatory Sandbox and Fintech Saudi

To encourage innovation, SAMA introduced the Regulatory Sandbox, allowing fintech startups to test their solutions in a controlled environment. This initiative has accelerated the growth of fintechs, particularly in the payments space, with over 30 startups participating as of 2024. Fintech Saudi, a government-backed initiative, has been instrumental in fostering a collaborative ecosystem between startups, investors, and financial institutions. Nezar Alhaidar, Managing Director of Fintech Saudi, noted, “Our goal is to create a vibrant fintech ecosystem where innovation thrives and where digital payments are the norm, not the exception.”

The Future of Saudi Arabia’s Cashless Vision

Looking ahead, Saudi Arabia is well on its way to becoming a leading hub for digital payments in the MENA region. Seamless KSA 2024 will be a pivotal event in this journey, as it brings together global and regional experts to explore the next frontier of payment technology.

Expanding Digital Infrastructure

One of the key focuses for the Kingdom is expanding its digital infrastructure to ensure that digital payments are accessible to all segments of the population, including rural areas and underserved communities. A 2024 study by McKinsey revealed that the widespread adoption of digital payments could add $15 billion to Saudi Arabia’s GDP over the next decade by increasing financial inclusion and reducing the cost of handling cash.

AI & IoT Integration

As Saudi Arabia continues to develop smart cities such as NEOM and The Red Sea Project, the integration of AI and IoT into payment systems will play a crucial role. These technologies will enable seamless payments through connected devices, further reducing the need for cash in everyday transactions.

Finally, Seamless KSA 2024 will be a defining moment for Saudi Arabia’s cashless vision, bringing together the most influential players in the digital payments and fintech ecosystems. As the Kingdom moves closer to its goal of becoming a cashless society, innovations in mobile payments, blockchain, and AI will continue to reshape the financial landscape. 

Supported by robust government initiatives and a forward-thinking regulatory framework, Saudi Arabia is poised to lead the region in digital payments and create a more inclusive, efficient, and technology-driven economy.

Kholoud Hussein 

Artificial Intelligence (AI) is playing a pivotal role in revolutionizing e-commerce in Saudi Arabia, reshaping the way businesses operate and interact with consumers. As the Kingdom’s e-commerce market rapidly expands, projected to reach $30 billion by 2026, AI is becoming a key driver of innovation, optimizing everything from customer experiences to logistics.

One of the most visible impacts of AI is in personalization. AI-driven algorithms analyze consumer behavior, preferences, and purchase histories to provide tailored recommendations. E-commerce platforms like Noon and Jarir are leveraging AI to create more engaging and personalized shopping experiences, which has been shown to increase conversion rates and customer satisfaction. Machine learning models help e-commerce businesses predict what products a customer is likely to purchase, creating a seamless and intuitive shopping experience.

AI is also enhancing customer support through the use of chatbots and virtual assistants. These tools provide instant, 24/7 customer service, handling inquiries, solving problems, and guiding shoppers through their purchasing journey. As Saudi consumers demand faster, more responsive service, AI-driven customer support systems are helping businesses meet these expectations efficiently.

Another critical application of AI in Saudi Arabia’s e-commerce sector is in supply chain optimization. AI-powered analytics predict demand, manage inventory, and optimize delivery routes, reducing costs and ensuring faster deliveries. According to a 2024 report by PwC, companies that have integrated AI into their supply chains have seen a 15% improvement in delivery efficiency and a 20% reduction in operational costs.

As Saudi Arabia continues to embrace Vision 2030 and the digital economy, AI’s role in e-commerce will only grow. By streamlining operations and enhancing customer engagement, AI is helping Saudi e-commerce businesses remain competitive in a rapidly evolving market.