Governed AI agents for Saudi banks, built to SAMA, PDPL and NCA expectations.

One agent serves the mobile app, website and contact centre with the same knowledge and rules. It handles card, account and transfer questions for authenticated customers in Arabic and English, recognises dialect from the Najd, Hijaz, Eastern Province and south, and hands complex requests to staff with the conversation and account context attached.

For sensitive actions such as updating contact details or raising a card limit within policy, the agent triggers step up verification through Nafath or your approved authentication flow before anything changes. It cannot bypass the step, and every verified action is logged with the verification reference.

Where customers have consented to share accounts held at other banks under SAMA's open banking framework, the agent helps them understand spending, recurring payments and upcoming obligations across those accounts. Consent scope, expiry and revocation are respected at every request, and the agent explains clearly what data it can see.

When a customer reports an unknown mada or credit card transaction, the agent blocks the card through your approved flow if requested, gathers the dispute details, attaches transaction data and opens the case in your disputes system. Investigation and refund decisions stay with your disputes and fraud teams.

Small business owners ask about account services, payroll through Mudad, bill collection through SADAD and point of sale acceptance. The agent answers from your product rules, checks which documents an application needs and tracks progress, so a business owner in Abha gets the same service as one in Riyadh.

For monitoring alerts, screening hits and periodic KYC reviews, the agent assembles evidence from your core, screening and SIMAH data where permitted, drafts the case narrative and proposes next steps. Investigators decide, and the agent records their decision and reasons for audit.

Retail and corporate customers ask how Sharia compliant products are structured and what they are signing. The agent explains using only material your Sharia board has approved, references the relevant contract section and refers anything beyond that material to a specialist.

The agent sends reminders, explains options already permitted by your policy and books calls with collections officers, following SAMA's consumer protection expectations on tone and timing. It stops contact on request and never negotiates terms itself.

Branch and contact centre staff in dozens of cities need the same current answer on products, procedures and regulatory requirements. An internal agent answers from your policy library with citations, notes when a rule changed recently and sends unclear questions to the policy owner. New joiners in smaller branches get the same support as teams at head office.

A single console lists every agent in production, its owner, risk rating, model and prompt version, data access, test results, escalation rates and drift checks, by region and channel. Compliance, model risk and internal audit use it to oversee the whole programme.