Empowering intelligent value creation
Our digital journey in 2025 reflected a clear shift from digitalization to digital leadership. We expanded our capabilities, deepened ecosystem connectivity, accelerated intelligent automation, and reshaped how customers interact with financial services. By scaling platform innovation, strengthening omni-channel experience, and driving adoption across all segments, we continued to position digital as a core growth engine and an essential enabler of our strategic agenda.
In 2025, alinma’s Digital Banking Group advanced alinma’s ambition to lead the Kingdom’s digital financial landscape by scaling innovation, widening platform reach, and strengthening customer-centric capabilities across retail, SME, and corporate segments. The year was anchored by major ecosystem developments, including the launch of our Banking-as-a-Service platform, which opened new integration pathways for partners and unlocked diversified revenue opportunities. We also advanced open banking by enabling use cases that enhanced data access, simplified onboarding, and strengthened collaboration with fintech innovators.
We elevated corporate banking with a redesigned Corporate Portal, offering a seamless digital environment for complex business needs, alongside the launch of our Corporate mobile app, which delivers onboarding, daily banking, payments, workflow approvals, and POS service requests with speed and mobility. SMEs benefited from the introduction of the iz Business mobile app, designed to streamline financial management and enable simpler business banking journeys.
Trade finance underwent a significant shift with the rollout of a fully digital trade platform, improving transparency, accelerating execution, and reducing manual intervention. We complemented this with a new cash flow management system that strengthened liquidity visibility and planning for business customers.
Digital lending scaled meaningfully, as straight-through processing for personal finance and credit cards enabled instant decisioning and fulfillment. alinma mobile app expanded financing access further through auto leasing, advance salary solutions, and other products delivered via optimized journeys.
We enriched our digital marketplace with expanded offerings across automotive, travel, insurance, and e-commerce, including full in-app access to travel, medical, and motor insurance products. At the same time, our data-driven customer value management framework supported personalized activation and stronger engagement across key segments.
To strengthen wealth accessibility, we launched a digital wealth management platform with seamless mutual fund subscriptions, allowing customers to invest and grow wealth through simple, intelligent journeys. These achievements strengthened alinma’s position as a digital leader by deepening ecosystem integration, expanding digital fulfillment, and reinforcing our contribution to national priorities around financial innovation and inclusion.
alinma closed 2025 with the full delivery of its 2021-2025 Digital Strategy, bringing to life every planned initiative and demonstrating strong execution discipline. The strategy was built around three clear priorities that shaped the Bank’s transformation agenda and positioned Digital Banking as a growth engine.
Our first priority was to digitalize the Bank by reinventing experiences across all channels. We focused on creating a best-in-class mobile app with intuitive journeys, richer capabilities, and high-value services that make everyday banking simpler, faster, and more intelligent. This laid the foundation for seamless engagement across retail, corporate, and SME segments.
Our second priority centered on leapfrogging with innovation. We expanded into new digital-only propositions to grow market share, embracing technologies such as AI, robotics, machine learning, advanced analytics, and virtual assistants to build new business models and elevate existing ones. In parallel, we deepened collaboration with fintechs and ecosystem partners to unlock disruptive ideas and accelerate delivery.
Our third priority strengthened the organization itself. We reorganized the Bank-wide digital operating model and scaled our Digital Factory to support rapid development, embed agility, and enable faster speed to market. This operating backbone now supports frontline innovation and future growth.
As we step into 2026, we begin the implementation of our 2026-2030 Digital Strategy, aligned with our Bank ambition. Our focus shifts toward intelligent banking platforms, next-generation beyond-banking offerings, and further enhancement of our operating model to sustain leadership and drive competitive advantage.
We continued to invest with discipline in building an ecosystem that accelerates customer growth, deepens engagement, and strengthens revenue resilience. The results demonstrated the effectiveness of our digital-driven strategy, reflected in standout performance across every key digital indicator.
Digital accounted for 95% of all new customer acquisitions with 26% annual growth in digital onboarding. Customer activation grew by 32%, while customer engagement grew by 25%. Revenue momentum also strengthened, with digital fee income increasing by 27% and financial transactions processed through our digital channels expanding by 17%.
Our digital sales engine delivered strong outcomes. Card sales completed through digital channels increased by 58% compared to last year, while personal finance sales surged by 131% through our digital platforms. Customer satisfaction consistently rose in line with these improvements, with our digital Net Promoter Score increasing by 7 points. Our universal mobile app also performed strongly, retaining a 4.8 rating.
Our segment-specific propositions gained traction. Since launch, the iz youth app became a scale engine for the digitally savvy youth segment, driving a 112% increase in customer acquisition, a 105% rise in activation and a 200% improvement in revenue compared to last year. This performance reflects its early position as a preferred digital banking platform for young Saudis.
We advanced our role as a catalyst for digital transformation in Saudi Arabia’s financial ecosystem during 2025. Driven by our ambition to lead the future of banking, we accelerated innovation, expanded capabilities and strengthened partnerships that connect technology, data, and customer value. Our focus remained clear: build platforms that scale, experiences that matter, and ecosystems that unlock new revenue streams, positioning alinma at the center of an evolving digital economy aligned with the Kingdom’s ambitions.
Throughout the year we launched a number of high-impact initiatives that deepened our digital reach, enhanced customer journeys, and created new business opportunities. Our corporate mobile app was introduced as a fast and seamless digital tool for businesses, offering smooth onboarding, complete daily banking services, secure transfers, SADAD and MOI payments, and workflow approvals from anywhere. In parallel, we launched our SME mobile experience built to meet the needs of a fast-growing segment with capabilities for digital invoicing, payroll, collections and financing.
AMAD Tech Accelerator emerged as a central pillar of our innovation agenda, enabling us to foster talent, accelerate fintech ideas, and support Saudi Arabia’s technology ecosystem. We also expanded our bancassurance offerings with fully digital access to travel, medical malpractice, and motor insurance, while extending our marketplace through new automotive products that broaden choice and enrich lifestyle-linked banking. Digital home financing solutions continued to evolve through off-plan and Murabaha financing, as did our lending propositions through straight-through processing for personal finance and credit cards, and the rollout of Advance Salary and Zood Alajyal with the Social Development Bank. We also strengthened our innovation culture through the AMAD Hackathon, the second largest in the Kingdom, and continued to scale open banking services to support richer integrations and new use cases.
To build future-ready capability, we invested in a range of digital and fintech ventures. These included Lean Technologies for open banking services; Ejari for rent-now-pay-later models; NearPay for payment infrastructure; Amwal Tech for e-commerce installment solutions; Wadaie for deposit aggregation; Qashio for expense management; and three venture capital funds – Oryx, Sukna and SEEDRA – designed to capture next-generation innovation.
Partnerships formed another core enabler of progress. We signed strategic cooperation agreements with Savvy Group, Walaplus, jisr, and Future Work, supporting more integrated ecosystems, stronger customer propositions, and new channels for digital growth.
The year also marked several platform-level launches. We introduced Banking-as-a-Service to embed our capabilities in external ecosystems, while Custom Value Management strengthened insight-driven targeting. We launched digital offerings across Retail and Corporate Banking, including the SME app, corporate mobile, fully digital trade finance, wealth management platform, advance salary, straight-through lending for personal finance and credit cards, bancassurance services, automotive marketplace, family ecosystem, Zood Al-Ajyal, and microfinance.
Our innovation platform was upgraded to strengthen ideation and execution across the Bank, while the AMAD Tech Accelerator and the Awn test automation portal boosted delivery speed, quality, and scale. The successful hackathon that we conducted had more than 3,500 participants, across more than 1,200 teams and three winning teams.
These initiatives reflect a year in which we broadened digital access, accelerated contribution from new revenue pools, and strengthened our role as a leading force in Saudi Arabia’s digital financial evolution.
In the coming year, we will shift into a new phase of execution as our Digital 2030 Strategy moves from planning to delivery. Building on the momentum of 2025, our agenda is centered on scaling intelligent platforms, deepening ecosystem integration, and elevating customer value creation through hyper-personalized digital banking. The year ahead will mark an acceleration in how we design, deploy, and enhance digital services to strengthen acquisition, activation, and loyalty, while advancing our role as a catalyst for financial empowerment across the Kingdom.
Looking ahead, we will introduce new digital products and services that improve everyday financial decisions and simplify interactions across segments. We will enhance customer journeys end to end, ensuring faster onboarding, frictionless servicing, and smarter fulfillment across retail, SME, and corporate channels. Our focus remains firmly on becoming the preferred platform for digital-first customers by increasing digital sales, expanding our marketplace offerings, and reinforcing our leadership in user satisfaction.
We will continue enriching the alinma mobile app experience, maintaining our top rating by delivering meaningful upgrades that drive engagement and revenue growth. At the same time, we will sharpen how we utilize data and AI to deliver personalized experiences, reduce time to market, and create stronger value for customers in the moments that matter. As 2026 unfolds, we expect to see higher activation levels, deeper transaction penetration, and sustained revenue uplift, supported by a digital operating model designed for continuous innovation.
With disciplined execution and clear milestones in place, we are poised to unlock the next wave of digital value creation, reinforce our position as a trusted financial partner, and advance our contribution to the Kingdom’s transformation agenda.
