Li: Adaverse's new ventures target social media and real estate

Dec 25, 2024

Noha Gad

 

As the digital landscape continues to evolve, Saudi Arabia is positioning itself at the forefront of Web3 and blockchain technologies, driven by a strategic vision to harness innovation for economic growth. The Kingdom's commitment to advancing these technologies is evident through various initiatives, including the establishment of dedicated hubs and partnerships aimed at fostering a vibrant ecosystem. 

 

As part of Vision 2030, the Kingdom has been actively investing in emerging technologies, recognizing blockchain's potential to enhance transparency, security, and efficiency in both public and private enterprises.

 

In this rapidly evolving ecosystem, Web3 has emerged as a transformative force that reshapes industries and creates new opportunities for innovation and entrepreneurship in Saudi Arabia.

 

Adaverse, a prominent player in the Web3 investment landscape, is actively contributing to this burgeoning market. As one of the leading venture funds and blockchain accelerators in the region, Adaverse invested in several startups, such as TakadaoUmrahCashTharawat Green Exchange (TGE), and Grintafy, as part of its mission to empower local entrepreneurs and facilitate the growth of decentralized technologies across the region.

 

In this regard, Sharikat Mubasher held an interview with Vincent Li, Founding Partner at Adaverse, to learn more about the company’s activities in Saudi Arabia and his insights on the future of Web3 and blockchain technologies in the Kingdom and the region.

 

 

What sets Adaverse apart from other venture funds and blockchain accelerators in the region?

What sets us apart is our unique approach to building the Web3 ecosystem through a venture-building partnership model. We have successfully invested in around 100 founders across multiple regions, including Asia, Africa, and now Saudi Arabia. Our philosophy is centered on supporting persistent founders with necessary web3 knowledge throughout the whole startup journey, and valuable experiences and resources from other markets in the globe.

 

Unlike traditional venture funds, we focus on projects that solve real-world problems and drive mass adoption of blockchain technology. Our flat organizational structure and partnership-based approach allow us to work closely with founders, empowering them rather than simply providing capital.

 

 

What motivated Adaverse to commit $10 million to Saudi Web3 startups?

Our decision to commit to Saudi Arabia was driven by extensive market research and field visits that highlighted Saudi Arabia's significant potential for Web3 development. This commitment aligns with Saudi Vision 2030 and the country's digital transformation goals. 

 

We have already invested in several promising Saudi ventures, including Grintafy, UmrahCash, TGE (Tharawat Green Exchange), TakaDAO, and others, with more investments in the pipeline. 

 

The unique government support we have received has reinforced our conviction that Saudi Arabia is positioned to become a global Web3 hub. This investment represents our long-term commitment to fostering innovation and supporting the local ecosystem.

 

 

In your opinion, what are the unique opportunities that blockchain and Web3 technologies offer in Saudi Arabia?

Saudi Arabia presents unique opportunities for blockchain and Web3 technologies, particularly in solving real-world challenges. Let me share some concrete examples from our portfolio with the disclaimer that the list is non-exhaustive: 

 

We have invested in TGE, which is revolutionizing carbon offsetting by connecting carbon offsetters with local nurseries and land projects via blockchain technology, directly supporting Saudi Arabia's ambitious goal of planting 10 billion trees by 2040. 

 

In the sports sector, we have backed Grintafy, which is transforming football talent discovery through blockchain technology, serving over 2 million users across its ecosystem.

 

We are also seeing great potential in projects like Mithu App, which addresses the underserved loyalty program market in Riyadh, where only 2.5% of restaurants currently offer such programs. 

 

Similarly, solutions like UmrahCash demonstrate how blockchain can revolutionize financial services for the 21 million migrant workers and religious visitors in Saudi Arabia.

 

What makes Saudi Arabia particularly exciting for Web3 development is the strong government support for technology innovation, combined with the Kingdom's strategic position and vision for digital transformation.

 

These opportunities align perfectly with our focus on practical applications that drive mass adoption. The diversity of use cases, from environmental sustainability to sports tech to financial services, shows how Web3 can create real value across multiple sectors in the Saudi economy.

 

 

What key challenges has Adaverse faced in adopting blockchain technologies in the Kingdom, and how has the company tackled them?

The key challenges we have faced primarily revolve around achieving mass adoption and educating the market about Web3's potential. While blockchain technology is still consolidating its foundations, we have tackled these challenges by focusing on projects that address tangible problems. Our approach has been to invest in startups that make blockchain technology accessible and practical for everyday users. We have also worked closely with regulatory bodies and government institutions to ensure our initiatives align with local requirements. 

 

 

What are the company’s strategic plans for further expansion in Saudi Arabia and the region?

Our strategic plans for expansion in Saudi Arabia and the region focus on three key areas. First, we are continuing to identify and invest in promising Web3 startups that solve real-world problems. Second, we are actively building partnerships with local institutions and government bodies to strengthen the ecosystem. 

Third, we are organizing events and initiatives to promote Web3 adoption locally and connect valuable investment and market resources internationally.

 

We are particularly excited about upcoming projects in the social network and real estate markets, which we believe have significant potential in the region. Our strategy remains aligned with our long-term perspective of supporting persistent founders and nurturing projects over time.

 

 

How do you see the long-term impact of Web3 technologies on Saudi Arabia's economic and social landscape?

Looking at the long-term impact of Web3 technologies on Saudi Arabia's landscape, I believe we are at the beginning of a transformative journey. Based on our experience across multiple markets, we see Web3 playing a crucial role in achieving Saudi Vision 2030's goals. The technology will enable new models of value exchange, enhance transparency in various sectors, and create new economic opportunities. We are already seeing this impact through our portfolio companies, which are addressing real challenges in areas like financial services, loyalty programs, and digital asset management. The key is to focus on practical applications that can drive mass adoption and create tangible value for the Saudi economy. 

 

 

How does Adaverse contribute to the development of a vibrant Web3 community in Saudi Arabia?

Adaverse contributes to the Web3 community development through multiple strategic initiatives. Most recently, we released our landmark report, "State of Web3 in Saudi Arabia," which serves as a comprehensive guide for entrepreneurs, investors, and talent looking to participate in the Kingdom's Web3 ecosystem. The report highlights tremendous opportunities in sectors like gaming, fintech, e-commerce, and proptech, demonstrating our commitment to building knowledge in the ecosystem.

 

Beyond research, we actively organize events and knowledge-sharing sessions, bringing together founders, investors, and technology enthusiasts. We work closely with local institutions to create opportunities for collaboration and innovation. 

 

Our approach is not just about providing capital – we are helping to shape Saudi Arabia's transformation into a tech-driven powerhouse by building alliances and partnerships that strengthen the entire ecosystem. Through these efforts, we are positioning the Kingdom as a premier destination for Web3 innovation, attracting both local and international talent to contribute to this growing community.

 

 

What are Adaverse’s plans to nurture Saudi talent in the blockchain and Web3 space?

During our extensive research for the "State of Web3 in Saudi Arabia”, one of the key findings was that we need more Web3 talent in Saudi, and we are committed to helping achieve that! We are implementing a multi-faceted approach that encourages young entrepreneurs to be curious and experimental with frontier technologies. 

First, we are creating opportunities for hands-on experience through our portfolio companies, where Saudi talent can join startups and immerse themselves in the ecosystem. 

Second, we have a plan to develop partnerships with local educational institutions and tech hubs to provide training and mentorship programs. 

As I often tell aspiring youth in the Web3 landscape, do not be afraid to experiment, fail, and learn from your experiences. 

This practical approach, combined with our long-term commitment to the region, will help develop the next generation of Web3 innovators in Saudi Arabia. The key is to empower local talent by asking questions rather than giving assignments, maintaining our philosophy of partnership-based growth.

 

 

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Why Startups Fail: Unpacking the Reasons Behind Early-Stage Challenges

Kholoud Hussein 

 

Startups represent innovation, ambition, and the promise of transforming industries. However, the harsh reality is that a significant percentage of startups fail within their first few years. According to a CB Insights report, 70% of tech startups fail, with 38% citing a lack of funding or cash flow as a primary reason. While these statistics are sobering, understanding the causes behind such failures can help entrepreneurs better navigate their journey and build sustainable businesses.

 

This blog explores the key reasons why startups falter in their early stages, supported by research, expert insights, and real-world examples.

 

1. Lack of Market Need: The Fatal Flaw

One of the most common reasons for startup failure is creating a product or service that the market does not need. CB Insights highlights this as the top cause, with 35% of failed startups identifying it as their downfall.

Why This Happens:

  • Entrepreneurs often fall in love with their ideas without validating their demands.
  • Insufficient market research leads to misconceptions about customer pain points.

Startup founder John Greathouse shared his experience in an interview with Forbes: “We built a solution looking for a problem. It was an amazing piece of technology, but we didn’t fully understand our customers’ real needs.”

 

2. Poor Financial Management: The Cash Flow Crunch

Startups often operate on razor-thin margins, making financial mismanagement a critical threat. U.S. Bank data shows that 82% of business failures are due to cash flow problems.

Challenges:

  • Misjudging burn rate (the speed at which cash reserves are spent).
  • Failing to secure enough funding for the operational runway.
  • Overestimating revenue growth or underestimating costs.

David Skok, a venture capitalist, explains: “Startups underestimate how long it will take to reach cash flow positivity and fail to raise enough capital. A lack of working capital is like trying to climb Everest without oxygen.”

 

3. Ineffective Team Dynamics

Building the right team is critical to a startup's success. CB Insights found that 23% of failed startups attributed their demise to team issues.

Common Problems:

  • A lack of complementary skills among founders.
  • Internal conflicts that distract from operational priorities.
  • Hiring the wrong people in key roles, such as sales or technology.

A clear example of that is the downfall of the startup Quibi, despite its $1.8 billion in funding, is often attributed to leadership missteps and a failure to align the team around a clear strategy.

 

4. Competition: The Unseen Threat

Many startups underestimate the level of competition in their industry. CB Insights notes that 20% of failed startups cited competition as a significant factor.

Why Startups Struggle Against Competitors:

  • Lack of differentiation: Offering similar products or services as established players without a compelling unique value proposition (UVP).
  • Insufficient resources to compete with well-funded incumbents.

5. Marketing and Customer Acquisition Missteps

Even the best products fail if they don’t reach the right audience. Many startups underestimate the importance and cost of customer acquisition.

According to a Startup Genome Report, 74% of startups fail because they scale prematurely, often spending excessively on marketing before product-market fit is achieved.

Challenges in Marketing:

  • Misaligned messaging that fails to resonate with target audiences.
  • Over-reliance on paid advertising without diversifying acquisition strategies.

Startup founder Sara Johansson remarked: “We spent heavily on ads, assuming they’d generate consistent returns. Instead, we burned through our budget without building lasting customer relationships.”

 

6. Overexpansion: Growing Too Fast, Too Soon

Startups often rush to expand into new markets or introduce new products, stretching their resources thin. This approach can backfire, especially without a stable foundation.

Why Overexpansion Fails:

  • Increased operational complexity leads to inefficiencies.
  • Diverting focus from core products or markets.

7. Inadequate Adaptability: Failing to Pivot

Startups often face unexpected challenges and must pivot their business model or product offering to survive. Failure to do so can result in stagnation or irrelevance

.

8. External Factors: The Uncontrollable Variables

Economic downturns, regulatory changes, or supply chain disruptions can also contribute to startup failures. While these factors may be beyond our control, resilience, and preparedness can mitigate their impact.

 

The COVID-19 pandemic forced many startups to shut down due to disruptions in operations or demand. However, companies that adapted to the new normal, such as Zoom, thrived.

 

Turning Challenges into Opportunities

While the statistics on startup failures are daunting, they also provide valuable lessons. By understanding common pitfalls—such as market misalignment, poor financial management, or ineffective teams—entrepreneurs can take proactive steps to increase their chances of success.

 

As the famous startup mantra goes, “Fail fast, fail forward.” Every challenge presents an opportunity to learn and improve. By leveraging these insights, aspiring founders can navigate the turbulent early phases of their journey and build businesses that thrive in the long term.

 

 

Li: Adaverse's new ventures target social media and real estate

Noha Gad

 

As the digital landscape continues to evolve, Saudi Arabia is positioning itself at the forefront of Web3 and blockchain technologies, driven by a strategic vision to harness innovation for economic growth. The Kingdom's commitment to advancing these technologies is evident through various initiatives, including the establishment of dedicated hubs and partnerships aimed at fostering a vibrant ecosystem. 

 

As part of Vision 2030, the Kingdom has been actively investing in emerging technologies, recognizing blockchain's potential to enhance transparency, security, and efficiency in both public and private enterprises.

 

In this rapidly evolving ecosystem, Web3 has emerged as a transformative force that reshapes industries and creates new opportunities for innovation and entrepreneurship in Saudi Arabia.

 

Adaverse, a prominent player in the Web3 investment landscape, is actively contributing to this burgeoning market. As one of the leading venture funds and blockchain accelerators in the region, Adaverse invested in several startups, such as TakadaoUmrahCashTharawat Green Exchange (TGE), and Grintafy, as part of its mission to empower local entrepreneurs and facilitate the growth of decentralized technologies across the region.

 

In this regard, Sharikat Mubasher held an interview with Vincent Li, Founding Partner at Adaverse, to learn more about the company’s activities in Saudi Arabia and his insights on the future of Web3 and blockchain technologies in the Kingdom and the region.

 

 

What sets Adaverse apart from other venture funds and blockchain accelerators in the region?

What sets us apart is our unique approach to building the Web3 ecosystem through a venture-building partnership model. We have successfully invested in around 100 founders across multiple regions, including Asia, Africa, and now Saudi Arabia. Our philosophy is centered on supporting persistent founders with necessary web3 knowledge throughout the whole startup journey, and valuable experiences and resources from other markets in the globe.

 

Unlike traditional venture funds, we focus on projects that solve real-world problems and drive mass adoption of blockchain technology. Our flat organizational structure and partnership-based approach allow us to work closely with founders, empowering them rather than simply providing capital.

 

 

What motivated Adaverse to commit $10 million to Saudi Web3 startups?

Our decision to commit to Saudi Arabia was driven by extensive market research and field visits that highlighted Saudi Arabia's significant potential for Web3 development. This commitment aligns with Saudi Vision 2030 and the country's digital transformation goals. 

 

We have already invested in several promising Saudi ventures, including Grintafy, UmrahCash, TGE (Tharawat Green Exchange), TakaDAO, and others, with more investments in the pipeline. 

 

The unique government support we have received has reinforced our conviction that Saudi Arabia is positioned to become a global Web3 hub. This investment represents our long-term commitment to fostering innovation and supporting the local ecosystem.

 

 

In your opinion, what are the unique opportunities that blockchain and Web3 technologies offer in Saudi Arabia?

Saudi Arabia presents unique opportunities for blockchain and Web3 technologies, particularly in solving real-world challenges. Let me share some concrete examples from our portfolio with the disclaimer that the list is non-exhaustive: 

 

We have invested in TGE, which is revolutionizing carbon offsetting by connecting carbon offsetters with local nurseries and land projects via blockchain technology, directly supporting Saudi Arabia's ambitious goal of planting 10 billion trees by 2040. 

 

In the sports sector, we have backed Grintafy, which is transforming football talent discovery through blockchain technology, serving over 2 million users across its ecosystem.

 

We are also seeing great potential in projects like Mithu App, which addresses the underserved loyalty program market in Riyadh, where only 2.5% of restaurants currently offer such programs. 

 

Similarly, solutions like UmrahCash demonstrate how blockchain can revolutionize financial services for the 21 million migrant workers and religious visitors in Saudi Arabia.

 

What makes Saudi Arabia particularly exciting for Web3 development is the strong government support for technology innovation, combined with the Kingdom's strategic position and vision for digital transformation.

 

These opportunities align perfectly with our focus on practical applications that drive mass adoption. The diversity of use cases, from environmental sustainability to sports tech to financial services, shows how Web3 can create real value across multiple sectors in the Saudi economy.

 

 

What key challenges has Adaverse faced in adopting blockchain technologies in the Kingdom, and how has the company tackled them?

The key challenges we have faced primarily revolve around achieving mass adoption and educating the market about Web3's potential. While blockchain technology is still consolidating its foundations, we have tackled these challenges by focusing on projects that address tangible problems. Our approach has been to invest in startups that make blockchain technology accessible and practical for everyday users. We have also worked closely with regulatory bodies and government institutions to ensure our initiatives align with local requirements. 

 

 

What are the company’s strategic plans for further expansion in Saudi Arabia and the region?

Our strategic plans for expansion in Saudi Arabia and the region focus on three key areas. First, we are continuing to identify and invest in promising Web3 startups that solve real-world problems. Second, we are actively building partnerships with local institutions and government bodies to strengthen the ecosystem. 

Third, we are organizing events and initiatives to promote Web3 adoption locally and connect valuable investment and market resources internationally.

 

We are particularly excited about upcoming projects in the social network and real estate markets, which we believe have significant potential in the region. Our strategy remains aligned with our long-term perspective of supporting persistent founders and nurturing projects over time.

 

 

How do you see the long-term impact of Web3 technologies on Saudi Arabia's economic and social landscape?

Looking at the long-term impact of Web3 technologies on Saudi Arabia's landscape, I believe we are at the beginning of a transformative journey. Based on our experience across multiple markets, we see Web3 playing a crucial role in achieving Saudi Vision 2030's goals. The technology will enable new models of value exchange, enhance transparency in various sectors, and create new economic opportunities. We are already seeing this impact through our portfolio companies, which are addressing real challenges in areas like financial services, loyalty programs, and digital asset management. The key is to focus on practical applications that can drive mass adoption and create tangible value for the Saudi economy. 

 

 

How does Adaverse contribute to the development of a vibrant Web3 community in Saudi Arabia?

Adaverse contributes to the Web3 community development through multiple strategic initiatives. Most recently, we released our landmark report, "State of Web3 in Saudi Arabia," which serves as a comprehensive guide for entrepreneurs, investors, and talent looking to participate in the Kingdom's Web3 ecosystem. The report highlights tremendous opportunities in sectors like gaming, fintech, e-commerce, and proptech, demonstrating our commitment to building knowledge in the ecosystem.

 

Beyond research, we actively organize events and knowledge-sharing sessions, bringing together founders, investors, and technology enthusiasts. We work closely with local institutions to create opportunities for collaboration and innovation. 

 

Our approach is not just about providing capital – we are helping to shape Saudi Arabia's transformation into a tech-driven powerhouse by building alliances and partnerships that strengthen the entire ecosystem. Through these efforts, we are positioning the Kingdom as a premier destination for Web3 innovation, attracting both local and international talent to contribute to this growing community.

 

 

What are Adaverse’s plans to nurture Saudi talent in the blockchain and Web3 space?

During our extensive research for the "State of Web3 in Saudi Arabia”, one of the key findings was that we need more Web3 talent in Saudi, and we are committed to helping achieve that! We are implementing a multi-faceted approach that encourages young entrepreneurs to be curious and experimental with frontier technologies. 

First, we are creating opportunities for hands-on experience through our portfolio companies, where Saudi talent can join startups and immerse themselves in the ecosystem. 

Second, we have a plan to develop partnerships with local educational institutions and tech hubs to provide training and mentorship programs. 

As I often tell aspiring youth in the Web3 landscape, do not be afraid to experiment, fail, and learn from your experiences. 

This practical approach, combined with our long-term commitment to the region, will help develop the next generation of Web3 innovators in Saudi Arabia. The key is to empower local talent by asking questions rather than giving assignments, maintaining our philosophy of partnership-based growth.

 

 

The Role of AI in Supporting ESG Goals for Financial Institutions

Kholoud Hussein 

 

As sustainability becomes a critical priority for businesses worldwide, integrating Environmental, Social, and Governance (ESG) principles transforms the financial sector. For Saudi Arabia, where Vision 2030 emphasizes sustainable economic growth, financial institutions increasingly turn to artificial intelligence (AI) to align their strategies with ESG goals. By enabling better reporting, transparency, and green financing, AI is helping these institutions create a more sustainable and socially responsible financial ecosystem.

 

This final installment in our blog series explores how AI is supporting ESG objectives in Saudi Arabia’s financial market. From advanced tools for reporting to real-world applications, we’ll highlight the transformative potential of AI in fostering a greener and more equitable financial future.

 

1. Aligning ESG Goals with AI in Saudi Arabia

Saudi financial institutions are embracing AI to seamlessly integrate ESG considerations into their operations and investment decisions.

 

Meeting Sustainability Goals through AI

AI provides financial institutions with the tools to measure, analyze, and improve their sustainability performance.

  • Environmental Impact Analysis: AI helps organizations assess their carbon footprint by analyzing data across operations, supply chains, and investments.
  • Social Responsibility Metrics: Advanced algorithms evaluate labor practices, community engagement, and diversity policies, enabling institutions to monitor and improve their social impact.
  • Governance Insights: AI systems enhance governance practices by analyzing board structures, compliance adherence, and corporate ethics.

Alignment with Global ESG Frameworks

AI-driven platforms enable Saudi institutions to align with global ESG standards, such as the United Nations’ Sustainable Development Goals (SDGs) and the Task Force on Climate-related Financial Disclosures (TCFD). These tools ensure financial activities contribute to sustainable development while maintaining compliance with international benchmarks.

 

2. AI-Powered Tools for ESG Reporting and Green Financing

AI is revolutionizing ESG reporting and green financing, empowering financial institutions to deliver on their sustainability promises effectively.

Advanced ESG Reporting Tools

Traditional ESG reporting can be time-consuming and prone to inconsistencies. AI-powered solutions streamline this process by automating data collection, analysis, and presentation.

  • Data Integration: AI systems consolidate data from diverse sources, including corporate reports, satellite imagery, and IoT sensors, to provide a holistic view of ESG performance.
  • Real-Time Monitoring: AI tracks key ESG metrics in real-time, enabling institutions to identify risks and opportunities more quickly.
  • Predictive Analytics: By analyzing historical data, AI can predict ESG trends and guide strategic decision-making.

Green Financing Enablement

Green financing, including funding for renewable energy projects and sustainable infrastructure, is a key pillar of ESG efforts. AI facilitates this by:

  • Risk Assessment: AI evaluates the financial and environmental risks of green investments, ensuring projects align with both profitability and sustainability criteria.
  • Project Selection: AI algorithms prioritize green projects based on their ESG impact and feasibility.
  • Attracting Investors: Transparent AI-driven reports attract ESG-conscious investors by providing detailed insights into project sustainability.

3. Promoting Transparency in Investments Through AI-Driven Analytics

Transparency is a cornerstone of ESG-focused investing, and AI is playing a critical role in fostering it across Saudi Arabia’s financial sector.

Enhanced Due Diligence

AI-powered tools perform thorough due diligence by analyzing vast datasets, including financial reports, environmental impact statements, and media coverage.

  • These tools identify greenwashing (misleading claims about sustainability) by detecting discrepancies between stated goals and actual performance.
  • Machine learning models flag companies with poor ESG compliance, helping investors avoid reputational and financial risks.

Investor Confidence Through Transparency

By providing detailed and verifiable insights into ESG performance, AI builds investor confidence.

  • Portfolio Optimization: AI-driven platforms recommend ESG-compliant investments, allowing asset managers to build portfolios that align with sustainability goals.
  • Impact Measurement: AI tracks the social and environmental impact of investments, ensuring alignment with both financial and ethical objectives.

4. Examples of ESG-Focused AI Applications in Saudi Arabia

Saudi Arabia’s financial market is already witnessing the transformative impact of AI in advancing ESG initiatives.

Renewable Energy Financing

AI is aiding financial institutions in evaluating and funding renewable energy projects such as solar and wind farms.

  • Advanced algorithms assess project feasibility, environmental impact, and long-term profitability, ensuring sustainable investments.
  • For example, a Saudi renewable energy fund used AI to optimize its portfolio, achieving higher returns while reducing carbon emissions.

AI-Powered ESG Indexing

Some Saudi investment platforms have introduced AI-powered ESG indices that rank companies based on their sustainability performance.

  • These indices help investors identify top-performing ESG-compliant firms, driving capital toward responsible businesses.

Smart Supply Chain Management

Financial institutions are leveraging AI to support companies in adopting sustainable supply chain practices.

  • AI tools monitor supplier compliance with ESG standards, promoting ethical sourcing and reducing environmental impact.

5. AI and ESG: A Perfect Partnership for Vision 2030

Saudi Arabia’s Vision 2030 underscores the importance of sustainability and innovation in driving long-term economic growth. AI’s role in advancing ESG goals is perfectly aligned with these ambitions.

  • By leveraging AI, Saudi financial institutions are not only meeting global sustainability standards but also positioning themselves as leaders in ethical finance.
  • The integration of AI and ESG frameworks supports Vision 2030’s objectives of reducing carbon emissions, fostering social responsibility, and enhancing economic governance.

Looking Ahead: A Sustainable Financial Future

As Saudi Arabia’s financial institutions continue to embrace AI for ESG integration, the future of sustainable finance looks brighter than ever. However, the journey is ongoing, and challenges such as data availability, regulatory alignment, and cultural shifts must be addressed.

 

The completion of this blog series marks the beginning of broader conversations about how AI can redefine financial services in Saudi Arabia and beyond. By prioritizing ESG goals and leveraging cutting-edge technology, Saudi Arabia is setting a global benchmark for innovation in sustainable finance.

 

To conclude, AI is revolutionizing ESG adoption in Saudi Arabia’s financial market by enabling robust reporting, promoting transparency, and driving green financing initiatives. Through real-world applications and alignment with global frameworks, financial institutions are achieving both ethical and economic objectives.

 

As we conclude this series, one thing is clear: AI is not just a tool for transformation—it is the foundation for building a sustainable, transparent, and inclusive financial ecosystem. Saudi Arabia’s commitment to innovation and sustainability ensures that its financial sector will continue to thrive while contributing to a better future for all.

 

AI in Fintech: Driving Financial Inclusion and Innovation

Kholoud Hussein 

 

The fintech revolution is reshaping financial services globally, and Saudi Arabia is at the forefront of this transformation in the MENA region. Central to this evolution is the adoption of artificial intelligence (AI), which has become a driving force behind financial inclusion and innovation in the Kingdom. By enhancing payment systems, personal finance management, and lending solutions, AI is enabling fintech startups to address gaps in traditional banking and empower underserved populations.

 

This blog explores how Saudi fintech startups are leveraging AI to revolutionize financial services, the role of government initiatives in fostering innovation, and the synergies between fintech firms and traditional banks. It also sets the stage for our next discussion on AI’s role in supporting ESG (Environmental, Social, and Governance) goals for financial institutions.

 

1. How Saudi Fintech Startups Leverage AI

AI is the engine powering many of Saudi Arabia’s fintech innovations, allowing startups to create tailored solutions that address market demands.

 

AI in Payments

Saudi fintech startups are revolutionizing payment systems by integrating AI into their platforms. AI-driven payment gateways provide real-time fraud detection, seamless cross-border transactions, and personalized customer experiences. For instance:

  • AI-powered tools analyze transaction patterns to prevent fraud while ensuring smooth payment processing.
  • Digital wallets like stc pay utilize AI to enhance user convenience and optimize transaction efficiency.

AI in Lending

Traditional lending processes often exclude underserved populations due to stringent credit requirements. AI is changing this dynamic by leveraging alternative data for credit scoring.

  • AI algorithms use data such as utility payments, mobile usage, and behavioral patterns to assess creditworthiness.
  • Platforms like Raqamyah provide micro-loans to small businesses and individuals, offering faster approval processes and flexible terms.

AI in Personal Finance Management

AI-driven tools are empowering Saudi citizens to take control of their finances. These include budgeting apps, expense trackers, and investment advisors.

  • Chatbots and robo-advisors provide personalized financial guidance based on user spending patterns.
  • Predictive analytics help users anticipate financial needs and create savings plans.

 

2. Improving Access to Financial Services for Underserved Populations

One of the most transformative aspects of AI in fintech is the ability to improve financial inclusion. In Saudi Arabia, AI is breaking down barriers that have traditionally excluded low-income individuals, women, and small businesses from accessing financial services.

Empowering the Unbanked and Underbanked

  • Digital wallets and mobile banking platforms powered by AI enable unbanked individuals to participate in the financial system without needing a traditional bank account.
  • AI tools facilitate micro-financing options for rural entrepreneurs, allowing them to grow their businesses with minimal bureaucracy.

Promoting Gender Inclusion

  • Fintech platforms tailored for women entrepreneurs are leveraging AI to assess loan applications based on alternative data, sidestepping biases often found in traditional credit evaluations.
  • AI-powered mentoring and networking apps connect women-led startups with funding opportunities and investors.

3. Collaboration Between Fintech Firms and Traditional Banks

The collaboration between fintech startups and traditional banks in Saudi Arabia has created a synergistic ecosystem where AI plays a pivotal role.

Enhancing Digital Banking Solutions

Traditional banks, recognizing the potential of fintech innovations, are partnering with startups to co-develop AI-driven solutions.

  • Open Banking Initiatives: AI-powered open banking platforms enable secure data sharing between banks and fintech firms, fostering innovation in personalized services.
  • Digital-First Banks: Partnerships have given rise to fully digital banks, such as Liv. by Emirates NBD, which leverage AI for enhanced customer experiences.

Optimizing Operations

Banks use AI-driven fintech solutions to streamline internal processes:

  • Chatbots handle customer queries, reducing operational costs.
  • Machine learning models optimize credit underwriting and risk assessment.

4. Government Initiatives and Support for AI-Driven Fintech Growth

Saudi Arabia’s fintech ecosystem is thriving, thanks to robust government support and strategic initiatives aimed at fostering innovation.

 

Fintech Saudi Initiative

Launched by the Saudi Arabian Monetary Authority (SAMA), Fintech Saudi catalyzes the sector’s growth. It provides:

  • Regulatory sandboxes for testing AI-powered fintech solutions in a controlled environment.
  • Educational programs to nurture local talent and build a skilled workforce.

Vision 2030 and Funding Opportunities

  • Vision 2030 emphasizes the diversification of the economy, with fintech as a core pillar. Government-backed funds like Saudi Venture Capital Company (SVC) and Monsha’at are providing financial support to startups integrating AI into their business models.
  • Programs such as the Digital Government Authority’s AI Accelerator encourage innovation in financial services.

Global Investments and Partnerships

Saudi Arabia’s proactive approach to fintech has attracted global investors and partners, further fueling AI adoption.

 

The Road Ahead: AI in Fintech

AI’s transformative potential in fintech is only beginning to unfold in Saudi Arabia. As startups continue to innovate, they will play a pivotal role in shaping a more inclusive and efficient financial ecosystem. The synergy between cutting-edge technology, government support, and market demand positions Saudi Arabia as a regional leader in fintech innovation.

 

However, as AI becomes more integrated into financial services, its role in sustainability and social responsibility cannot be overlooked. Fintech firms and financial institutions must align their innovations with ESG (Environmental, Social, and Governance) goals to ensure long-term impact.

 

Looking Ahead: AI and ESG Goals for Financial Institutions

In our next blog, we will explore how AI is enabling financial institutions in Saudi Arabia to meet their ESG commitments. From assessing the sustainability of investments to promoting socially responsible practices, AI is helping create a greener, more ethical financial ecosystem.

 

Finally, AI is revolutionizing fintech in Saudi Arabia, driving financial inclusion, innovation, and collaboration between startups and traditional banks. By leveraging AI for payments, lending, and personal finance management, fintech firms are addressing the unique needs of underserved populations. Coupled with government initiatives and funding, the Kingdom’s fintech sector is poised for exponential growth.

 

As we move forward in our series, the intersection of AI and ESG goals will reveal how technology can align financial services with sustainability and ethical practices. This pivotal conversation will highlight AI’s role in creating a more responsible and forward-thinking financial sector.

 

The Cofounder Effect: Why Startups with Partners Thrive

Ghada Ismail

 

Starting a company is one of the most challenging and rewarding endeavors anyone can undertake. Yet, the journey is fraught with obstacles that can overwhelm even the most passionate solo entrepreneur. This is where the magic of having a cofounder comes in. According to a study by First Round Capital, startups with more than one founder are 163% more likely to achieve rapid growth compared to their single-founder counterparts. But what makes cofounders such a powerful asset? Let’s explore the transformative impact of cofounder dynamics on a startup’s success.

 

Diverse Skill Sets, One Vision

At the heart of any great startup is a vision. Cofounders bring complementary skills and perspectives that enrich this vision and make it more attainable. While one founder might excel in product development, the other might be a master of marketing or operations. This division of labor allows startups to operate more efficiently and tackle challenges from multiple angles. 

 

Shared Responsibility, Shared Resilience

Running a startup is an emotional rollercoaster. Cofounders share the highs and lows, providing mutual support that helps them weather storms that might otherwise deter a solo founder. This shared resilience is often what keeps startups afloat during tough times. When one founder feels discouraged, the other can step in with fresh energy and perspective, ensuring the team stays motivated.

 

Enhanced Decision-Making

Two heads are better than one! and this is especially true in the high-stakes world of startups. Cofounders can challenge each other’s ideas, leading to more thoroughly considered decisions. This dynamic fosters innovation, as differing viewpoints spark creative solutions that might not have emerged in a solo-led environment. 

 

Accelerated Growth

The 163% growth statistic isn’t just a number; it’s a testament to the practical advantages cofounders bring. With multiple founders, a startup can scale faster by dividing key tasks and focusing on different growth areas simultaneously. This ability to multitask at a high level often results in startups gaining traction quicker and securing investments more easily.

 

 

Wrapping things up

The journey of building a startup is undeniably challenging, but having a cofounder can make all the difference. By combining diverse skills, sharing responsibilities, enhancing decision-making, and accelerating growth, cofounders act as the ultimate growth enablers for startups. For entrepreneurs considering going solo, the evidence is clear: two (or more) truly are better than one.

 

Up Next: In Part Two, we’ll dive deeper into ‘Co-Founders and Contracts: the Legal Part of it’. Stay tuned for more insights into the transformative power of cofounders!