00:00究ط
00:06مرياة��مات بدغوية
00:07deficit and management director of Skyro
00:09and I am a newly
00:11come to the Middle East
00:12to actualissent in Brazil
00:15to present innovative products
00:17to the affirming of the local market
00:18I have been now
00:19in Saudi Arabia
00:20for the past six years
00:22I was the first country manager
00:24of Mastercard Saudi Arabia
00:26coming here in 2020
00:27وفي حقًا في 2020، وفي حدث كانت المروج من ريست المتابع غرفيًا
00:32مصدر هو نصرم وراتي
00:35شرر عملية النشاء
00:38سالي هي مدى في بارتخار لديه سيكون اصدقائي
00:42ونصرم ومضيبًا الضوير هي مواد الكثير منه
00:45لنجمع هذه الس الاسترادة
00:47فقد عادوا 7 ملعثيًا ستعابعي بائك
00:572 million loans have been given year to date from the profitability standpoint we reached
01:03profitability in year four which is way faster than the standard revolutes and new banks of
01:10this world that usually come by year nine and bring profitability it's because we combine
01:17technology efficiency and also market research we understand the consumer now in saudi with 36
01:25million people coming to the market we also would like to bring the same discipline in terms of
01:30efficiency and also the market research and understanding of the consumer we have 36 million
01:36people 50 expats there is a lot of opportunity for financial inclusion across entire ecosystem
01:44all the way from consumer lending to the business lending to the investment and to remnants we are
01:50evaluating all different opportunities and it is important for us to understand the consumer first
01:55as a southeast asian focus first we've gained the knowledge the understanding of the risks
02:02of the consumer acquisition tactics now we take these best practices and adjust them localize them
02:09and bring to the market of saudi arabia our goal is a partnership between consumer regulator and
02:15business entities and us being able to bring them local solutions in the most innovative way
02:25financial inclusion is always known as a social issue but in reality financial inclusion is all about
02:34the ecosystem that we build for people on behalf of people and that's why we are called naturally yours
02:41it's not only about how many loans we give or how many people open accounts it's a wider perspective
02:49it's how we bring them to open accounts take loans take loans for their business build up their
02:56wealth save and then be financially independent and help grow economy
03:04as we are moving forward and looking at local realities of gcc market we are looking at saudi being
03:12the hub of our development but we are looking forward to various countries where we can also deploy the
03:18model perhaps localized in saudi across entire gcc we do understand that the strength and opportunity in
03:26in saudi now is tremendous we have 585 fintechs which is the goal of 2030 but in reality
03:33we are like halfway there now the next step of this is to actually deploy innovative solutions in this market
03:41and this is where we are looking together with our global teams how can we bring this innovation
03:46for example how can we bring innovation in elections and in customer care shall we introduce robotics
03:54and digital human across this should we introduce more sophisticated risk scoring and ai risk not based
04:03on the standard data but on alternative data which is utilization of the phones digital records so that
04:10is something where we are looking at this uh different areas of efficiency that brings to a
04:17company so i strongly believe that as a company coming from different countries we have to look at
04:22internal efficiencies right it's it's a collections it's robotics it's ai utilization in risk scoring
04:29and also in custom service so we are bringing these technologies to the local market so that we can then
04:36and not only position new solutions for the customer but also provide the best service
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