Saudi Arabia

AI & Data Governance
for Saudi
Financial Institutions

Crux Technology is a Saudi-based advisory firm operating at the intersection of AI-driven innovation, national data governance, and enterprise-scale transformation — built for the Kingdom's regulated financial sector.

Aligned with Vision 2030 digital transformation agenda
Crux Technology team
Crux advisory work
About Crux Technology

Built for Banks.
Built for the Kingdom.

Crux Technology is a Saudi-based AI and Data Governance advisory firm focused exclusively on the needs of regulated financial institutions.

As the Kingdom accelerates its Vision 2030 agenda, financial institutions are under increasing pressure to innovate with advanced technologies while ensuring full alignment with national data and regulatory frameworks.

Crux exists to help banks navigate this balance — with discipline and confidence.

Our Mandate

Enable financial institutions to adopt AI and advanced analytics in a manner that is secure, explainable, auditable, and aligned with Saudi regulatory expectations.

Riyadh, Saudi Arabia
Where We Operate

At the Intersection of
Four Critical Disciplines

1

AI-Driven Innovation

Deploying intelligent systems that enhance credit risk, fraud prevention, and customer intelligence across financial operations.

2

National Data Governance

Operationalising governance frameworks aligned with Saudi national standards — ownership, classification, quality, lineage, and audit readiness.

3

Regulatory Compliance

Ensuring every AI model and data pipeline satisfies the explainability, monitoring, and risk oversight requirements of regulators and internal audit.

4

Enterprise-Scale Transformation

Embedding governance directly within enterprise architecture — not as a layer on top, but as a structural foundation that scales.

Strategic Focus Areas

Three Disciplines.
One Integrated Practice.

Our advisory work is organised around the three capabilities that regulated financial institutions need most — and that few firms can deliver together.

AI for financial institutions
01
AI for Financial Institutions

Credit Risk. Fraud Prevention. Customer Intelligence.

We support banks in deploying AI solutions that enhance credit risk intelligence, fraud prevention, customer insight, and operational performance — while embedding governance from day one. Every model we help deploy is designed to be auditable, explainable, and regulatory-ready.

  • AI-driven credit scoring & risk modelling
  • Fraud detection & transaction monitoring
  • Customer segmentation & propensity analytics
  • Operational AI & process automation
Data governance architecture
02
Data Governance & National Compliance

Governance That Lives Inside the Architecture.

We assist institutions in operationalising data governance frameworks aligned with national standards — including structured data ownership, classification, quality, lineage, and audit readiness. Our approach ensures that governance is not theoretical, but embedded within enterprise architecture.

  • Data ownership & stewardship frameworks
  • Classification, quality & lineage management
  • Audit readiness & regulator-facing reporting
  • Alignment with national data standards
Model risk management
03
Responsible AI & Model Risk Management

Accountable AI, by Design.

In regulated financial environments, AI must be accountable. Crux enables institutions to establish model governance, explainability, monitoring, and risk oversight structures that satisfy internal audit and regulatory scrutiny — without compromising model performance.

  • Model governance & risk oversight frameworks
  • SHAP-based explainability architecture
  • Ongoing model performance monitoring
  • Regulatory submission & audit trail design
Our Leadership

Led by Practitioners.
Not Theorists.

Our founders and advisors bring deep hands-on experience in AI, data governance, and regulated financial services — built across the Kingdom and internationally.

Habeebullah B. Hussain
Founder & Managing Director

Founder & Managing Director of Crux Technology, bringing strategic leadership across financial services transformation, AI adoption, and regulatory-aligned digital modernization. With a strong understanding of the Kingdom’s evolving financial landscape, he guides institutions in building resilient AI ecosystems, governance-first data architectures, and sustainable operating models aligned with national priorities. His vision positions Crux at the intersection of innovation, compliance, and long-term institutional stability.

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Leader Name
Co-Founder & CEO

Co-Founder & Chief Executive Officer, responsible for the firm’s technical architecture, AI systems engineering, and enterprise-grade platform development. He specializes in building scalable, secure, and regulatory-ready AI infrastructure for financial institutions. His expertise spans model governance, system resilience, data architecture design, and performance optimization — ensuring that innovation is always delivered with structural integrity and operational discipline.

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Failur Rahuman
Head of Development

Head of Development and Lead Software Engineer at Crux Technology. He leads the end-to-end development of enterprise AI platforms, financial analytics systems, and governance-integrated applications. With strong expertise in modern full-stack engineering, system architecture, and performance optimization, he ensures that every solution is production-ready, secure, and scalable. As the firm’s principal developer, he translates strategic vision into robust technical execution — building the digital backbone that powers Crux’s mission.

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Our Commitment to the Kingdom

Saudi Arabia's Financial
Sector Is Entering
a New Era.

The Kingdom's financial sector is entering a new era — one defined by data-driven decision-making, digital acceleration, and heightened regulatory maturity.

Crux Technology aligns with this transformation by supporting institutions in building the infrastructure that sustainable digital leadership requires.

Resilient AI Ecosystems

AI systems designed for operational continuity, governed risk, and regulatory confidence.

Governance-First Data Architectures

Data infrastructure where governance is structural — not a retrofit.

Sustainable Digital Operating Models

Long-term operating models that balance innovation velocity with regulatory discipline.

Our Guiding Philosophy

"Innovation without governance creates risk."

Unchecked AI in regulated environments exposes institutions to model failure, regulatory censure, and reputational harm.

"Governance without innovation creates stagnation."

Compliance frameworks that block progress leave institutions behind their competitors and their customers.

Crux sits precisely at the intersection — enabling both, sacrificing neither.

Vision 2030 alignment

Ready to Work Together?

Let's build AI your
regulators will trust

Governance-first. Outcome-driven. Built for the Kingdom's financial future.