Banking intelligence built for Saudi financial institutions.
We help banks put AI to work across credit, risk, operations and customer engagement, on top of the core and channel systems you already run, and designed against SAMA, NCA and PDPL expectations from day one.
حلول الذكاء الاصطناعي للبنوك في المملكة العربية السعودية
تساعد كروكس البنوك السعودية على توظيف الذكاء الاصطناعي في قرارات الائتمان، وكشف الاحتيال، وفحص المستندات، والخدمات المصرفية المفتوحة، وبرامج الولاء، مع تصميم يراعي متطلبات البنك المركزي السعودي (ساما) والهيئة الوطنية للأمن السيبراني ونظام حماية البيانات الشخصية، وبما يدعم مستهدفات رؤية 2030.
The pressure points we are usually brought in to solve
Slow, manual credit decisions
Applications wait on document checks and manual review while customers apply elsewhere.
Fraud and risk moving faster than rules
Static rules miss new patterns and generate alerts analysts cannot clear in time.
Legacy cores limiting change
New products and open banking integrations take quarters because the core was not built for APIs.
AI without governance
Models in production without validation, monitoring or an audit trail create regulatory exposure.
Low digital engagement
Customers open an app, transact once and rarely return without a reason to.
Fragmented data
Customer, transaction and risk data sit in separate systems, so every model starts from scratch.
Solutions across the banking value chain
AI Credit Decisioning
Scorecards, rules and machine learning in one decision flow for origination, limits and collections.
Learn more →Intelli 360 Document Scrutiny
AI validation of KYC and lending documents with a complete audit trail.
Learn more →Fraud & Financial Risk Analytics
Real-time scoring, AML monitoring and regulatory reporting.
Learn more →Open Banking APIs
Secure, standards-based APIs that open the core to partners and fintechs.
Learn more →Core Banking Modernization
Incremental modernization that keeps the bank running while the platform changes.
Learn more →Loyalty & Gamification
Points, challenges and rewards that give customers a reason to engage.
Learn more →One intelligence layer beside your core
We add decisioning and analytics next to core banking rather than replacing it, so risk stays low and value arrives sooner.
What faster decisions can look like
From first workshop to production in four steps
- 1
Discover
Map one high-value use case, its data, owners and regulatory constraints.
- 2
Prove
Build a working slice on your data in a controlled environment and measure it against today's process.
- 3
Govern
Validate models, document decisions and agree monitoring, approvals and audit with risk and compliance.
- 4
Scale
Roll out channel by channel, hand over to your teams and extend to the next use case.
Designed against the frameworks banks answer to
Crux designs and builds against these frameworks. Formal compliance and certification remain the responsibility of the institution and its regulators.
Answered plainly
Do you replace our core banking system?
No. Our solutions sit beside core banking and channel systems and consume data from them. The core remains the system of record.
Can the solutions run inside our own infrastructure?
Yes. They are containerised and can run on-premise, in a private cloud or in an in-Kingdom cloud region, depending on your data residency requirements.
How do you handle model governance?
Models go through validation, documentation and approval before release, then are monitored for drift and performance with a full audit trail.
Which banking areas do you cover?
Credit decisioning, document intelligence, fraud and financial risk, open banking, core modernization, and loyalty and engagement.
How long does a first project take?
A scoped proof on one use case typically takes weeks rather than quarters. We agree timelines after a discovery workshop.
هل تدعم حلولكم المتطلبات التنظيمية السعودية؟
نصمم ونبني الحلول وفق أطر ساما والهيئة الوطنية للأمن السيبراني ونظام حماية البيانات الشخصية، مع مسار تدقيق كامل وواجهات عربية. يبقى الامتثال الرسمي مسؤولية المؤسسة والجهات التنظيمية.
Start with one use case and prove the value
In a working session we map your highest-value use case, the data it needs and the controls your risk and compliance teams will expect.