Fintech & Banking Software Development in Saudi Arabia
SAMA-aware platforms, Open Banking integrations and secure financial apps.
Saudi fintech has moved from experiment to infrastructure. Open Banking, instant payments and a maturing SAMA sandbox mean the technical bar for launching a financial product in the Kingdom is now high.
Start a Project →Mobile Banking
Native apps with biometric auth and Arabic UX.
Open Banking
Account information and payment initiation flows.
Payments
Mada, SARIE, sadad and card scheme integration.
Security
Threat modelling, pen testing and audit-ready logging.
Building to a regulated standard
Financial products fail on compliance and security far more often than on features. We build with threat modelling from day one, encrypt in transit and at rest, keep immutable audit trails, and structure releases so an external auditor can trace any change back to an approval.
Where you are operating in the SAMA regulatory sandbox, we structure the architecture to support the reporting and controls the licence path will eventually require, rather than retrofitting them later.
Open Banking in the Kingdom
Saudi Open Banking unlocks account aggregation, affordability checks and payment initiation. We build against the Saudi Open Banking Framework standards and design consent flows that are clear enough in Arabic that users actually grant them.
- Native iOS and Android banking and wallet apps
- Open Banking AIS and PIS integrations
- Mada, SARIE, SADAD and card scheme connectivity
- KYC, AML screening and identity verification flows
- Biometric and multi-factor authentication
- Secure backend architecture and API gateways
- Penetration testing and security audit support
- Arabic-first financial UX and plain-language disclosures
Frequently Asked Questions
Do you have experience with SAMA requirements?+
We build to architectures that anticipate SAMA's cybersecurity framework and reporting expectations. We are not a compliance consultancy, so we work alongside your legal and risk advisers rather than replacing them.
Can you integrate Saudi Open Banking APIs?+
Yes. We build account information and payment initiation integrations against the Saudi Open Banking Framework, including consent management and revocation flows.
How do you handle security testing?+
We threat-model at design stage, run static and dependency scanning in CI, and coordinate independent penetration testing before launch with remediation tracked to closure.
Can the platform be hosted in Saudi Arabia?+
Yes. In-Kingdom hosting is the default for financial workloads, with disaster recovery in a second local availability zone.