Banking Technology · SAMA Compliant · Saudi Arabia

Digital Banking
Platforms for Saudi
Financial Institutions.

Crux engineers secure, scalable digital banking platforms — mobile banking apps, core banking modernisation, and fintech infrastructure — SAMA compliant, Arabic-first, Mada and STC Pay integrated for Saudi banks and financial institutions.

Build Your Banking Platform View Capabilities
SAMA Framework Compliant
PDPL Data Secure
Arabic + English Banking UI
Mada · STC Pay · SARIE Integrated
Islamic Banking Ready
Crux Digital Banking Platform · السعودية · Live Dashboard
SAMA Connected
إجمالي الرصيد · Total Balance
SAR 284,920
↑ +12.4% هذا الشهر
🏦
الحسابات · Accounts
💳
البطاقات · Cards
📊
الاستثمارات · Invest
💰
التمويل · Finance
🔒
الأمان · Security
Portfolio Performance · الأداء
1W1M3M1Y
SAR 48,200
التحويلات · Transfers
SAR 12,440
المصروفات · Spending
SAR 6,800
التوفير · Savings
المعاملات · Recentمباشر
🛒
أمازون السعودية
اليوم · Mada
- SAR 420
🔋
STC Pay شحن
اليوم · Mada
+ SAR 1,000
🏥
تأمين طبي
اليوم · Mada
- SAR 780
💰
مداد تحويل
اليوم · Mada
+ SAR 5,200
☕
ستاربكس الرياض
اليوم · Mada
- SAR 38
SAMA
Framework Compliant
Every Crux banking platform is architected to Saudi Central Bank (SAMA) cybersecurity framework, open banking, and operational resilience standards from day one
70%+
Islamic Banking Market
Saudi Arabia's Islamic banking sector represents over 70% of total banking assets — Crux builds fully Shariah-compliant fintech platforms alongside conventional banking systems
12–20wk
Banking MVP Delivery
A consumer mobile banking app MVP — account overview, payments, Mada integration, Arabic RTL — delivered in 12-20 weeks using Crux's modular banking architecture
AI-Powered
Credit and Risk
Machine learning credit scoring, real-time fraud detection, and AI-powered financial personalisation built into every digital banking platform Crux delivers
Saudi Regulatory Compliance

Built to every Saudi banking regulation.

🏛️
SAMA Framework

Saudi Central Bank cybersecurity framework, operational resilience, and cloud computing guidelines — embedded in every banking platform architecture

🔐
PDPL Compliance

Saudi Personal Data Protection Law — consent management, data minimisation, localisation within KSA borders, audit trails, and breach notification procedures

🌙
Islamic Banking

Shariah-compliant product engineering — Murabaha, Musharakah, Takaful, Zakat — with AAOIFI standards and Saudi Shariah board documentation

🔄
SAMA Open Banking

Open banking API specifications per SAMA's published framework — PSD2-equivalent consent flows, TPP integration, and regulatory sandbox compatibility

Platform Capabilities

The complete banking technology
stack for Saudi financial institutions.

Mobile Banking App Development

Build high-performance iOS and Android banking apps — Arabic RTL, biometric login, Mada payments, instant transfers, account management, and AI-powered financial insights — for Saudi retail banking customers.

iOS · AndroidArabic RTLBiometric authMada · STC Pay
Core Banking Modernisation

Modernise legacy core banking systems to cloud-native microservices — strangler-fig migration, API-first architecture, real-time processing, and zero-downtime cutover for Saudi banks without service disruption.

Core banking APIMicroservicesReal-time processingZero downtime
Payment Infrastructure

Build and integrate Saudi payment infrastructure — SARIE real-time gross settlement, SADAD bill payment, Mada debit, FAST instant payment, Apple Pay, and SAMA open banking payment APIs.

SARIE · SADADMada integrationFAST paymentsApple Pay
Islamic Banking Platform Engineering

Design and build Shariah-compliant fintech platforms — Murabaha home financing, Musharakah investment, Takaful insurance, and Zakat calculation — with AAOIFI compliance and Saudi Shariah board audit trails.

Murabaha · IjaraMusharakahTakafulAAOIFI standards
AI-Powered Banking Intelligence

Embed AI into banking platforms — personalised financial product recommendations, Arabic conversational banking (chatbot), AI credit pre-approval, spending analytics, and intelligent fraud detection running in real time.

AI recommendationsArabic chatbotFraud detectionSpending analytics
Banking Analytics Dashboard

Build real-time banking operations dashboards — customer acquisition funnels, product penetration heatmaps, churn prediction, liquidity monitoring, and SAMA regulatory reporting automation.

SAMA reportingChurn AIProduct analyticsReal-time KPIs
Banking Technology FAQ

Digital banking platform questions answered.

QWhat is a digital banking platform in Saudi Arabia?
A digital banking platform powers a Saudi bank's digital services — mobile banking apps, online portals, payment processing, and AI-powered financial services. Crux builds platforms that are SAMA compliant, support Islamic banking, integrate with Mada and STC Pay, and deliver Arabic-first experiences to Saudi banking customers.
QWhat does SAMA compliance mean for banking technology?
SAMA compliance means meeting the Saudi Central Bank's cybersecurity framework, open banking requirements, operational resilience standards, and PDPL data protection requirements. Crux designs all banking platforms to SAMA's published frameworks — including cloud computing guidelines, cyber security framework, and open banking specifications.
QHow long does it take to build a banking app in Saudi Arabia?
A mobile banking MVP takes 12-20 weeks. A full retail banking platform with Arabic RTL, Mada integration, SAMA open banking APIs, and PDPL compliance typically takes 6-12 months. Crux delivers account overview, payments, and transfers first — then layers AI personalisation and credit features in subsequent releases.
QCan Crux build Islamic banking platforms in Saudi Arabia?
Yes. Crux builds Shariah-compliant platforms — Murabaha financing, Musharakah investment, Takaful insurance, and Zakat calculation engines — all with SAMA compliance and Arabic-first UI. Saudi Arabia's Islamic banking sector represents over 70% of total banking assets, making it a core Crux capability.
QWhat Saudi payment systems do banking platforms integrate with?
Crux integrates with the full Saudi payment ecosystem — Mada debit network, SARIE real-time gross settlement, SADAD bill payment, FAST instant payment, STC Pay, Apple Pay, and SAMA open banking APIs — all following SAMA's published security and API standards.
"
Our legacy core banking system was blocking every digital initiative. Crux modernised our core to microservices in 9 months — zero downtime, full SAMA audit compliance, and we now ship new banking features in days instead of quarters. The Arabic banking UX they designed is genuinely the best in the Saudi market.
CTO
Chief Technology Officer
Saudi Commercial Bank · Riyadh, KSA
9mo
Core banking delivery
Zero
SAMA audit findings
Days
To ship new features
Saudi Banking Technology

Build the bank
Saudi Arabia needs.

SAMA compliant. Islamic banking ready. Arabic-first. Mada and SARIE integrated. Crux builds digital banking platforms that pass every Saudi regulatory audit and win every Saudi customer.

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