Valeur X
Finance & Fintech

Platforms built for scrutiny

Financial systems are judged by the regulator, the auditor and the customer at the same time. We build for all three — onboarding, payments, reporting and the audit trail underneath.

  • Nafath eKYC onboarding
  • SAMA-aligned controls
  • Full audit trail
Discuss your projectSee what we build
  • NafathIdentity verification integrated
  • SAMAFramework we align controls to
  • 100%Actions written to an audit log

What slows a financial product down

The hard part is rarely the feature. It is proving that the feature is controlled, auditable and safe before it is allowed anywhere near a customer.

  1. 01

    Onboarding still involves paper

    A customer starts online and finishes at a branch with a printed form, and most of them do not finish at all.

  2. 02

    Reporting is rebuilt every cycle

    Regulatory and management reports assembled manually from exports, which is slow and impossible to reproduce under audit.

  3. 03

    Controls live in people's habits

    Approval limits, segregation of duties and exception handling exist as practice rather than as something the system enforces.

  4. 04

    Core systems are hard to build on

    The system of record cannot be changed quickly, so every new product waits behind it instead of being built alongside it.

What we build

Systems for financial institutions

Built alongside your core system, with controls and logging designed in from the first sprint.

  • Digital onboarding & eKYC

    Identity verification through Nafath, document capture, AML screening and a decision trail — an application that finishes on the phone.

  • Customer portals & apps

    Balances, statements, requests and service journeys in Arabic and English, with authentication and session controls built to standard.

  • Payments & collections

    SADAD, mada and bank integrations for collection, reconciliation and settlement, with exceptions surfaced rather than buried.

  • Risk & regulatory dashboards

    Exposure, arrears, limits and required returns produced from the data itself, repeatable and traceable back to the source record.

  • Document & process automation

    Contracts, statements and applications read, validated and filed automatically, with a human checkpoint where the risk warrants it.

  • Core & third-party integration

    A stable API layer between your core system, credit bureaux, insurers and partners, so new products do not need core changes.

Rules we build around

In this sector compliance is the specification. These shape the architecture, not just the documentation.

  • SAMA Cyber Security Framework

    Access control, encryption, logging, change management and incident response aligned to the framework your audit will test against.

  • PDPL & data residency

    Customer data classified, retained and hosted according to policy, with residency inside the Kingdom where required.

  • Auditability by design

    Every material action attributed, timestamped and immutable, so an auditor can reconstruct any decision without asking a developer.

The services behind this work

Every system above is delivered by the same technology team. These are the services most often involved — each with its own page.

FAQ

Questions from finance teams

  • Yes. We are used to compliance and risk reviewing deliverables before release, to change control, and to producing the architecture and security documentation your approval file needs.

  • No, and we would advise against making that the first project. We build the digital layer around the core — onboarding, portals, reporting, integrations — where value arrives far faster and with far less risk.

  • We expect it. Code is written for review, we fix findings as part of the engagement, and we can work with your chosen third-party tester or arrange one.

Have a product waiting on the core system?

Most of it can usually be built alongside rather than inside. Tell us what is blocked and we will show you how.

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