Services · Mobile app development · Fintech apps
We provide fintech app development in Jeddah for the businesses that move money through the Red Sea's main commercial city: trading houses paying suppliers abroad, Sharia compliant finance providers, insurance brokers, accounting practices and firms serving Umrah visitors. Codeeo builds client onboarding, secure portals, payment flows and the staff workflow behind them, in Arabic and English, connected to the licensed banks and processors that hold the funds.
Jeddah has a different financial rhythm from the capital. Import cycles through the port, seasonal surges around Umrah and Ramadan, and long standing family businesses shape what an app here must do well, and what it can safely leave for later. We scope with those patterns in mind from the first meeting.
200+ companies servedFrom a first store to an ADX listed developer
Capabilities
Jeddah's commercial base is old and practical. Many firms here have served the same clients for generations through relationships, phone calls and paper files, and they come to us when that model starts to cost them clients or control. The first release rarely needs every possible feature. It needs the handful of flows that remove the most manual work and the most risk.
In financial services app development for Jeddah, trading and service firms usually need structured client onboarding, a document vault, payment requests and approvals. For Sharia compliant providers it adds product disclosures and contract steps that a Sharia board has reviewed. For businesses close to the pilgrim economy it means handling visitors who arrive with foreign cards, little time and limited Arabic. We plan the order of features around which of these groups your business serves, and we design every screen so a customer understands what will happen to their money before they confirm anything.
Importers raise payment requests against purchase orders, attach invoices and shipping documents, and route them to finance managers and owners for approval. The bank partner executes the transfer; the app keeps the request, the approvals and the confirmation together in one record.
Owners approve from a phone instead of signing paper in the office.
Product screens that explain the structure in plain Arabic and English, collect the required documents and present the contract for electronic signature in the sequence your Sharia board approved. Wording changes are managed from the admin side, so the board can review text without a new app release.
Applications that respect the product structure at every step.
Saudi and resident clients verify through Nafath, while foreign corporate clients upload commercial registrations and authorised signatory documents for manual review. Screening results and reviewer decisions sit on the client file for audit.
One onboarding route for local and international clients.
For operators serving Umrah visitors and tourists, checkout accepts international cards and Apple Pay alongside mada, shows the amount clearly before confirmation and issues receipts in the visitor's chosen language. Refund and cancellation rules are displayed before payment, not after.
Fewer disputes from customers who paid in a hurry.
Contracts, statements, insurance policies and tax documents stored per client with access rules, expiry reminders and download history. Staff request missing items through the app, so files no longer arrive in personal messaging apps. Retention periods follow your policy, and deleted files leave a record of who removed them and when.
Client files that are complete and traceable.
Brokers collect vehicle, medical or marine cargo details once, compare quotes returned by insurers, and let clients accept and pay inside the app, with policy documents delivered to the vault afterwards.
Quote to policy in one channel instead of several calls.
Importers working through Jeddah Islamic Port can log letters of credit and documentary collections opened with their bank, attach bills of lading and track each stage from issuance to settlement. Reminders fire before expiry dates, and the finance manager sees which shipments still wait on documents.
Fewer expired credits and fewer late payment penalties.
For licensed exchange and remittance partners serving Jeddah's large expatriate workforce, beneficiary management, rate display and transfer tracking in Arabic, English and other languages your customers read. Transfers run through the licensed provider; the app gives customers clarity on status.
Customers stop queuing just to ask where a transfer is.
A web dashboard where relationship managers, finance staff and compliance reviewers see tasks by priority, with maker checker rules on sensitive actions such as changing bank details or releasing large payments. Reviewers see the reason for each task and the deadline attached to it.
No single person can move money alone.
Load testing and support rotas planned around Ramadan, Umrah peaks and the summer holiday period, when transaction volumes and support questions in Jeddah rise sharply. Feature freezes are scheduled before those windows. Support scripts and in app help are refreshed ahead of each season too.
The app stays steady when the city is busiest.
Good fits
Jeddah is home to Bank AlJazira's head office and the Islamic Development Bank, but most of the demand we see does not come from large institutions. It comes from mid sized firms around the port, the Corniche and the commercial streets of Al Rawdah and Al Andalus that handle other people's money every day and still manage it by hand. If your business sits in one of the situations below, a focused app usually pays its way through time saved and errors avoided. If it does not, we will say so during the first conversation.
Second and third generation owners want control without being in the office for every signature. We build approval chains that mirror how the family and the finance manager already decide, add limits per approver, and keep a full history for the auditor. Bank connectivity is added once the internal workflow is stable and trusted. Branch managers and regional agents can be given narrow permissions, so the head office in Jeddah keeps the final word on larger amounts.
We start with your current paper process and digitise it faithfully first.
Finance companies and advisory firms offering Islamic products need disclosures, contract order and wording that their Sharia board has signed off, plus the controls SAMA or the CMA expect. We build so the board can review content changes in the admin portal and so customers see the same terms the board approved. Profit rates, instalment tables and early settlement terms are presented consistently in both languages, which avoids the complaints that arise when Arabic and English versions drift apart.
Hotels, transport companies and licensed service providers that collect payments from overseas visitors need fast, multilingual checkout and clear refund rules. We focus on payment clarity, receipts and reconciliation, and we leave pilgrim permits and official booking steps to the government platforms that own them. Payment pages are tested on the devices and connections visitors actually use, including roaming data in hotels near the airport and the Corniche.
We do not replicate official Hajj or Umrah systems.
Insurance brokers, auditors and bookkeeping firms spend hours chasing documents and confirming payments. A client portal with onboarding, document requests, status tracking and secure messaging gives clients a single place to act and gives partners a clear view of open work, without moving the firm onto unfamiliar accounting software. Partners also get a simple workload view showing which clients are blocked on missing information, so follow up calls are targeted instead of routine.
Engagement options
Most Jeddah firms begin with a fixed scope first release covering one painful process, such as supplier approvals or client onboarding, then add modules over time on a monthly support plan. Larger groups with several entities sometimes keep a dedicated team. Our people work from Riyadh, Dubai and Karachi and hold discovery workshops and launch sessions with Jeddah teams by video, with day to day collaboration online. Cost depends mainly on the number of integrations, languages, user roles and the level of testing your partners require. Each phase ends with a working release your clients can use, not a document waiting for the next budget cycle.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
Cross platform Flutter or React Native for most client apps, native code where security or device features demand it, and a web dashboard for staff. Hosting stays in Saudi cloud regions to meet PDPL expectations. Integrations use the published APIs of your bank, gateway and insurer partners wherever they exist.
01Mobile
02Data and cloud
03Marketing and tracking
The rules are the same; the customers and seasons are not.
SAMA, the CMA, PDPL and NCA controls apply nationwide. What changes in Jeddah is the client mix: trading houses, Islamic finance customers, a large expatriate workforce and visitors arriving for Umrah. That affects languages, payment methods, peak periods and how much manual review onboarding needs. We plan those differences into the scope rather than reusing a capital city template. We also look at which Jeddah branches and agents your customers rely on, so digital and in person service support each other.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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