{"id":100258,"date":"2022-07-07T05:24:08","date_gmt":"2022-07-07T05:24:08","guid":{"rendered":"https:\/\/alj.com\/?post_type=perspective&p=100258"},"modified":"2022-09-12T07:54:33","modified_gmt":"2022-09-12T07:54:33","slug":"digital-future-for-saudi-financial-services","status":"publish","type":"perspective","link":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/","title":{"rendered":"Digital future for Saudi financial services"},"content":{"rendered":"

\"\"The financial services sector in Saudi Arabia is undergoing a dramatic transformation. \u00a0As one of 12 \u2018realization programs\u2019 of the Vision 2030<\/a> national development strategy, it has been earmarked as a priority sector to underpin progress towards the country\u2019s ambitious objectives.<\/p>\n

\"\"According to Vision 2030, the aim of the Financial Services Development Program (FSDP<\/a>) is to \u201cdevelop a diversified and effective financial sector to support the development of the national economy, diversify its sources of income, and stimulate savings, finances and investments.\u201d<\/p>\n

Abdul Latif Jameel Finance<\/a> has been active in Saudi Arabia for over 43 years, since 1979, and is one of the companies helping to drive change in this dynamic market.\u00a0<\/p>\n

We spoke to Dr. Khalid Al Karimy<\/a>, CEO of Abdul Latif Jameel Finance in Saudi Arabia, about the development of the Saudi financial services sector, his plans for the business, and opportunities for growth.<\/p>\n

\"\"
Dr. Khalid Al Karimy
\nChief Executive Officer
\nAbdul Latif Jameel Finance, Saudi Arabia<\/figcaption><\/figure>\n

How long have you been with Abdul Latif Jameel?<\/h2>\n

KK: <\/strong>I joined Abdul Latif Jameel Finance in 2009. I played different roles since joining from being the Director of HR, to the Managing Director of support services, including HR, IT, and administration services. Two years after that, I became the Chief Operating Officer. In January this year, I assumed the role of Chief Executive Officer.<\/p>\n

How much did you know of Abdul Latif Jameel Finance before joining the business?<\/h2>\n

KK: <\/strong>Abdul Latif Jameel is one of the most famous family brands in Saudi Arabia \u2013 a true household name \u2013 so, of course, I knew the name and reputation, but I didn\u2019t understand the full scale of the business.\u00a0<\/p>\n

I knew about the Toyota distribution business and some of the social and community activities, like Bab Rizq Jameel.\u00a0<\/p>\n

I also knew a little about the finance side but didn\u2019t realize it was a separate and such a major company in its own right. \u00a0<\/p>\n

What attracted you to the opportunity?<\/h2>\n

KK: <\/strong>Actually, there were two things.\u00a0 The prestige of the Abdul Latif Jameel brand in general, and more specifically, the opportunity to develop my career in the rapidly growing financial services sector, particularly given my previous experience at the IDB.<\/p>\n

How has the consumer finance market in Saudi Arabia developed in recent years?<\/h2>\n

KK: <\/strong>The consumer finance market in Saudi Arabia has grown very rapidly in the last few years. \u00a0Going back some time, it used to be a very traditional market. \u00a0Banks were the largest players and dominated the market. \u00a0Gradually, a few new players started to enter the market, including Abdul Latif Jameel Finance. \u00a0This change has gained much more momentum in the last five years. \u00a0Vision 2030 sets out an ambitious vision for the expansion and of the country\u2019s financial services sector, and the transformation is already happening. \u00a0A lot of smaller companies, Fintech companies, have emerged and have been winning market share. \u00a0Banks have responded by investing in their own digital offerings. \u00a0It\u2019s a very dynamic situation at the market and has witnessed a huge shift in the last few years and it is only accelerating.<\/p>\n

What are the biggest areas of growth?<\/h2>\n

KK: <\/strong>I see two key areas that are driving growth in the market.\u00a0 One is \u2018cash finance\u2019.\u00a0 There are multiple Fintechs now offering financial solutions to consumers.\u00a0 We have seen significant growth in people, particularly those who are unbanked, accessing finance this way.<\/p>\n

The second big area of expansion is SME (small and medium enterprise) finance, which is an area that Abdul Latif Jameel Finance is particularly active in.\u00a0 Growth here is probably outstripping growth in consumer finance.\u00a0 Traditionally, SME finance was an underdeveloped segment in Saudi Arabia.\u00a0 The big banks had such bureaucratic application processes that it was hard for SMEs to access funding in this way. \u00a0Most SME finance came from friends and family instead, but that is rapidly transforming .\u00a0<\/p>\n

\"\"The government has taken steps to modernize the market.\u00a0 It has made it easier to check the financial performance of SMEs and created a number of organizations, including a bank, to provide funds.\u00a0 They also updated the \u2018Kafala program\u2019<\/a> \u2013 which means \u2018guarantor\u2019 in English \u2013 to strengthen certainty and flexibility around loan repayments.\u00a0<\/p>\n

We are very interested in this market because there is massive potential. \u00a0This is where we think our largest share of growth is going to come from.\u00a0 Most Fintechs are on the consumer side.\u00a0 They are not so interested in SMEs.\u00a0 We are the first in the market to offer a risk management module for SMEs that is completely automated.\u00a0 We’re working on an automated onboarding process, too.\u00a0 Once we launch this, we might be the first company to offer a complete, seamless digital experience for SMEs to access finance.<\/p>\n

Fintechs have disrupted the financial services market across the globe. \u00a0How vibrant is the Saudi Fintech market?<\/h2>\n

KK: <\/strong>Fintechs have transformed the Saudi market.\u00a0 There are Fintechs now in virtually every area: personal loans, payment processing, insurance, and so on.\u00a0 Larger players have also entered the market, like telecoms companies providing e-wallets and credit cards, things like that.\u00a0 Banks have followed suit by offering their own digital applications and platforms.\u00a0<\/p>\n

\n

At Abdul Latif Jameel Finance, we\u2019ll soon be launching our new digital cash loan app, which automates the whole process.\u00a0 The consumer can download the app, apply, and receive a loan in a few minutes. \u00a0We are also launching a point-of-sale \u2018buy now pay later\u2019 (BNPL) product, so consumers can buy from one of our partners.\u00a0 Again, it will be a seamless, frictionless, friendly experience that we hope will delight customers.<\/p>\n<\/blockquote>\n

How popular are Fintechs \u2013 and digital services in general \u2013 in Saudi Arabia?<\/h2>\n

KK: <\/strong>The use of digital technology in financial services is proving to be very popular.\u00a0 I think this has to do with the nature of the population in Saudi Arabia.\u00a0 We have a very young population; very technology-savvy. \u00a0Saudi Arabia is one of the biggest markets in the world for Twitter, for example.\u00a0 Saudis love technology. \u00a0They just love the idea of getting something through their mobile app.\u00a0 They are tired of bricks and mortar experiences.\u00a0 This is obviously a huge advantage for Fintechs.<\/p>\n

\"\"<\/p>\n

Another advantage is the attitude of the regulator.\u00a0 The Central Bank of Saudi Arabia<\/a> is very supportive of Fintechs.\u00a0 It has a \u2018sandbox\u2019 for Fintechs to operate through.\u00a0 This provides a very attractive business environment, like an incubator for Fintechs, where regulations and bureaucracy are less onerous.\u00a0<\/p>\n

What has been the traditional position of Abdul Latif Jameel Finance in Saudi Arabia, and how is that changing?<\/h2>\n

KK: <\/strong>We used to be a traditional point-of-sale auto-finance company, nothing more.\u00a0 Around 20 years ago, we also started providing finance for consumer products, too, like home appliances, but didn\u2019t go any further.\u00a0 In the last couple of years, we have been focusing on the SME market and investing in our proposition there, like cash financing, point-of-sale financing, contract and invoice financing, with a lot more to come.\u00a0<\/p>\n

\"\"
Pictured left-to-right: Mohammed Abduljabbar \u2013 Director of Compliance, Fahad Krimli \u2013 Head of Associate Care and Administrative Services, Dr. Khalid Al Karimy \u2013 Chief Executive Officer, Medhat Abdrabboh \u2013 Director of Operations, Badr Basouki \u2013 Director of Operations<\/figcaption><\/figure>\n

We are also exploring merger and acquisition opportunities to strengthen our position in the market.\u00a0\u00a0 The first of these is with Abdul Latif Jameel Real Estate Finance<\/a>, which provides mortgages, and also Bab Rizq Jameel Microfinance<\/a>, which has a strong customer base among start-ups and SMEs.\u00a0 These will augment our current business and give us a leap into the future.\u00a0 It will enable us to expand the services we offer, allow us to cross-sell different products and move us towards becoming a one-stop-shop for finance, as well as boosting our experience in technology.\u00a0 We also have some other opportunities in the pipeline.<\/p>\n

How important are digitization and technology to help you achieve your growth objectives?<\/h2>\n

KK: <\/strong>Without digitalization, we cannot do any of this.\u00a0\u00a0 But it\u2019s about more than technology alone.\u00a0 It’s also about the mindset of people. \u00a0This is what we’re working on, really transforming these three companies and their people to think digitally.\u00a0 This applies both internally, in terms of our own processes, and externally, in terms of the customer experience.\u00a0 In some ways, I consider technology and digitalization to be our core business, rather than finance.\u00a0 Digital comes first, and whatever we want to do in our business model comes second.<\/p>\n

What changes do you expect to see in the financial services market over the next few years, and what will it mean for Abdul Latif Jameel Finance?<\/h2>\n

KK: <\/strong>The financial sector in Saudi Arabia is expected to see exponential growth.\u00a0 First, the economy is growing, and financial services are the backbone of the economy.\u00a0 Second, there is still a very large proportion of unbanked consumers to tap into.\u00a0 Traditionally, banks have found it difficult to engage these consumers.\u00a0 But Fintechs and these new digital platforms, like our own, are making it easier to reach these people and turn them into customers.\u00a0<\/p>\n

\"\"
Dr. Khalid Al Karimy, Chief Executive Officer, Abdul Latif Jameel Finance, at his office in Jeddah, Saudi Arabia<\/figcaption><\/figure>\n

Finally, towards the end of this year or early next, the government is launching a new \u2018open banking\u2019 platform, which will contain all a customer\u2019s financial data.\u00a0 Previously, this information belonged to the banks and only they could access it, but now all finance providers will be able to access it.\u00a0 This will really level the playing field between large incumbents and smaller, more nimble providers increasing consumer choice and offering a commercial advantage to those who offer the best, most comprehensive, and most convenient services \u2013 it will become a true relationship with the customer.<\/p>\n

The banks will not sit still and watch their market share being eroded.\u00a0 Can smaller players like Abdul Latif Jameel Finance compete against the big banks?<\/h2>\n

KK: <\/strong>That’s a very good question.\u00a0 My belief is that banks are not going to be able to strongly compete in the digital world because of two main reasons.\u00a0 Number one, agility \u2013 they have huge legacy systems and business models to consider.\u00a0 They can\u2019t simply change direction overnight.\u00a0 They are like supertankers.\u00a0 Even if they wanted to change direction, it’s going to take them ages to move.\u00a0 Number two is that I don\u2019t believe banks in Saudi Arabia have yet fully realized just how \u2018dangerous\u2019 Fintechs are to their businesses.\u00a0 They have enjoyed a hugely privileged position in the market \u2013 and still do.\u00a0 All salaried employees in the country must have a bank account for their salary to be paid into, for example.\u00a0 So, the banks are used to having this large default customer base they can sell other products to.\u00a0 Open banking is going to change all that.\u00a0 It’s going to be very easy for consumers to move from one bank to another, from one provider to another.<\/p>\n

Having said that, banks are changing.\u00a0 They are investing in digital and offering better services, but I don\u2019t think, in the medium term at least, they can match the digital capabilities, focus or flexibility of the Fintech and smaller more nimble providers like Abdul Latif Jameel Finance.<\/p>\n

\"ALJ<\/p>\n

What are your objectives for Abdul Latif Jameel Finance?<\/h2>\n

KK: <\/strong>We have an aggressive growth strategy for the next few years, particularly on the digital side.\u00a0 One of the main things we\u2019ve done is to create a dedicated digital innovation business within Abdul Latif Jameel Finance.\u00a0 It\u2019s a business within a business, with its own targets, strategies and P&L, focused solely on how we can use technology to improve our offering and attract more customers.\u00a0 A key area for us will be SMEs and how we can meet all<\/u> their financial needs in one relationship.\u00a0<\/p>\n

In addition, we’re still going to do some of the activities that we do now, but completely online, which might mean we need to consolidate our physical presence in branches. \u00a0Whatever we do, the objective is the same: to make it as simple, quick and satisfying as possible for customers to use our services and access our products.\u00a0 It is a journey that will never cease, but one we are fully committed to.<\/p>\n","protected":false},"author":18,"featured_media":100308,"template":"","tags":[],"acf":[],"yoast_head":"\nSaudi Financial Services' Future | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Saudi Financial Services' Future | Abdul Latif Jameel\u00ae\" \/>\n<meta property=\"og:description\" content=\"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-12T07:54:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj.com\/app\/uploads\/2022\/07\/Riyadh-LI.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/\",\"url\":\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/\",\"name\":\"Saudi Financial Services' Future | Abdul Latif Jameel\u00ae\",\"isPartOf\":{\"@id\":\"https:\/\/13.40.99.56\/en\/#website\"},\"datePublished\":\"2022-07-07T05:24:08+00:00\",\"dateModified\":\"2022-09-12T07:54:33+00:00\",\"description\":\"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.\",\"breadcrumb\":{\"@id\":\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alj.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Perspectives\",\"item\":\"https:\/\/alj.com\/en\/perspective\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Digital future for Saudi financial services\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/13.40.99.56\/en\/#website\",\"url\":\"https:\/\/13.40.99.56\/en\/\",\"name\":\"Abdul Latif Jameel\",\"description\":\"Abdul Latif Jameel\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/13.40.99.56\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Saudi Financial Services' Future | Abdul Latif Jameel\u00ae","description":"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/","og_locale":"en_US","og_type":"article","og_title":"Saudi Financial Services' Future | Abdul Latif Jameel\u00ae","og_description":"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.","og_url":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/","og_site_name":"Abdul Latif Jameel","article_publisher":"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official","article_modified_time":"2022-09-12T07:54:33+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/media.alj.com\/app\/uploads\/2022\/07\/Riyadh-LI.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/","url":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/","name":"Saudi Financial Services' Future | Abdul Latif Jameel\u00ae","isPartOf":{"@id":"https:\/\/13.40.99.56\/en\/#website"},"datePublished":"2022-07-07T05:24:08+00:00","dateModified":"2022-09-12T07:54:33+00:00","description":"Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi.","breadcrumb":{"@id":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/alj.com\/en\/perspective\/digital-future-for-saudi-financial-services\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alj.com\/en\/"},{"@type":"ListItem","position":2,"name":"Perspectives","item":"https:\/\/alj.com\/en\/perspective\/"},{"@type":"ListItem","position":3,"name":"Digital future for Saudi financial services"}]},{"@type":"WebSite","@id":"https:\/\/13.40.99.56\/en\/#website","url":"https:\/\/13.40.99.56\/en\/","name":"Abdul Latif Jameel","description":"Abdul Latif Jameel","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/13.40.99.56\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"post-meta-fields":{"push_notification":["no"],"_push_notification":["field_5c3b1fb67034d"],"_wpml_word_count":["{\"total\":2229,\"to_translate\":{\"ar\":2229,\"zh-hans\":2229,\"fr\":2229,\"ja\":2229,\"es\":2229,\"tr\":2229}}"],"_edit_lock":["1773936803:22"],"_edit_last":["25"],"_wpml_media_featured":["1"],"_wpml_media_duplicate":["1"],"_thumbnail_id":["100308"],"perspective_short_title":["Digital future for Saudi financial services"],"perspective_summury":["<p>The financial services sector in Saudi Arabia is undergoing a dramatic transformation. \u00a0As one of 12 \u2018realization programs\u2019 of the <a href=\"https:\/\/www.vision2030.gov.sa\/\">Vision 2030<\/a> national development strategy, it has been earmarked as a priority sector to underpin progress towards the country\u2019s ambitious objectives<\/p>\n"],"perspective_location":["Jeddah, Saudi Arabia"],"wpcf-featured-news":["0"],"is_latest_news":["0"],"wpcf-show-news-at-homepage":["1"],"publish_mobile":["a:1:{i:0;s:3:\"yes\";}"],"_publish_mobile":["field_5bfa8eb2e65cf"],"mobile_featured_image":["https:\/\/media.alj.com\/app\/uploads\/2022\/07\/Riyadh-evening.jpg"],"_mobile_featured_image":["field_5c3b204983dea"],"featured_on_listing_page":["0"],"_featured_on_listing_page":["field_62458ea7383c3"],"content_series_applied":[""],"_content_series_applied":["field_60f3d3faf82ac"],"wpcf-perspective-downloadable_file":[""],"wpcf-perspective-published-date":["1657152000"],"wpcf-video-description":[""],"wpcf-layoutvideourl":[""],"wpcf-video-thumb":[""],"wpcf-social4-svg":[""],"wpcf-social4-background-image":[""],"wpcf-social4-text":[""],"wpcf-social4-url":[""],"wpcf-social3-svg":[""],"wpcf-social3-background-image":[""],"wpcf-social3-text":[""],"wpcf-social3-url":[""],"wpcf-social-text-svg-square":[""],"wpcf-social-text-image-square":[""],"wpcf-social-text-text-square":[""],"wpcf-social-text-url-square":[""],"wpcf-social2-svg":[""],"wpcf-social2-background-image":[""],"wpcf-social2-text":[""],"wpcf-social2-url":[""],"wpcf-social-svg-square":[""],"wpcf-social-image-square":[""],"wpcf-social-text-square":[""],"wpcf-social-url-square":[""],"wpcf-social1-svg":[""],"wpcf-social1-background-image":[""],"wpcf-social1-text":[""],"wpcf-social1-url":[""],"wpcf-quotes-with-auther-text-1":[""],"wpcf-card_article_with_title_content":[""],"wpcf-card_article_content":["<p>write your content<\/p>"],"wpcf-quotes-with-auther-text":[""],"_bsf_post_type":["0"],"_bsf_item_review_type":["none"],"_yoast_wpseo_title":["Saudi Financial Services' Future | Abdul Latif Jameel\u00ae"],"_yoast_wpseo_metadesc":["Saudi's financial sector is evolving rapidly. Dr. Khalid Al Karimy, CEO of Abdul Latif Jameel Finance, explains the future of financial services in Saudi."],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["11"],"_wp_old_date":["2022-07-06"],"_yoast_wpseo_opengraph-image":["https:\/\/media.alj.com\/app\/uploads\/2022\/07\/Riyadh-LI-1024x535.jpg"],"_yoast_wpseo_opengraph-image-id":["100350"],"perspective_business_sector":["Financial Services"],"wpcf-card-image":[""],"_wpcf-card-image-sort-order":["a:1:{i:0;i:1254688;}"],"amazonS3_cache":["a:22:{s:45:\"\/\/alj.com\/app\/uploads\/2022\/07\/Vision-2030.jpg\";a:2:{s:2:\"id\";i:100322;s:11:\"source_type\";s:13:\"media-library\";}s:53:\"\/\/alj.com\/app\/uploads\/2022\/07\/Vision-2030-300x168.jpg\";a:2:{s:2:\"id\";i:100322;s:11:\"source_type\";s:13:\"media-library\";}s:51:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Vision-2030.jpg\";a:2:{s:2:\"id\";i:100322;s:11:\"source_type\";s:13:\"media-library\";}s:59:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Vision-2030-300x168.jpg\";a:2:{s:2:\"id\";i:100322;s:11:\"source_type\";s:13:\"media-library\";}s:43:\"\/\/alj.com\/app\/uploads\/2022\/07\/FSDP-Logo.png\";a:2:{s:2:\"id\";i:100287;s:11:\"source_type\";s:13:\"media-library\";}s:49:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/FSDP-Logo.png\";a:2:{s:2:\"id\";i:100287;s:11:\"source_type\";s:13:\"media-library\";}s:58:\"\/\/alj.com\/app\/uploads\/2022\/03\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";i:96459;s:11:\"source_type\";s:13:\"media-library\";}s:66:\"\/\/alj.com\/app\/uploads\/2022\/03\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";i:96459;s:11:\"source_type\";s:13:\"media-library\";}s:64:\"\/\/media.alj.com\/app\/uploads\/2022\/03\/Dr-Khalid-Al-Karimy-web.jpeg\";a:2:{s:2:\"id\";i:96459;s:11:\"source_type\";s:13:\"media-library\";}s:72:\"\/\/media.alj.com\/app\/uploads\/2022\/03\/Dr-Khalid-Al-Karimy-web-232x300.jpeg\";a:2:{s:2:\"id\";i:96459;s:11:\"source_type\";s:13:\"media-library\";}s:46:\"\/\/alj.com\/app\/uploads\/2022\/07\/Kafalah-logo.jpg\";a:2:{s:2:\"id\";i:100301;s:11:\"source_type\";s:13:\"media-library\";}s:54:\"\/\/alj.com\/app\/uploads\/2022\/07\/Kafalah-logo-300x206.jpg\";a:2:{s:2:\"id\";i:100301;s:11:\"source_type\";s:13:\"media-library\";}s:52:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Kafalah-logo.jpg\";a:2:{s:2:\"id\";i:100301;s:11:\"source_type\";s:13:\"media-library\";}s:60:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Kafalah-logo-300x206.jpg\";a:2:{s:2:\"id\";i:100301;s:11:\"source_type\";s:13:\"media-library\";}s:53:\"\/\/alj.com\/app\/uploads\/2022\/07\/Riyadh-Saudi-Arabia.jpg\";a:2:{s:2:\"id\";i:100315;s:11:\"source_type\";s:13:\"media-library\";}s:59:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Riyadh-Saudi-Arabia.jpg\";a:2:{s:2:\"id\";i:100315;s:11:\"source_type\";s:13:\"media-library\";}s:56:\"\/\/alj.com\/app\/uploads\/2022\/07\/ALJ-Finance-Saudi-Team.jpg\";a:2:{s:2:\"id\";i:100266;s:11:\"source_type\";s:13:\"media-library\";}s:62:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/ALJ-Finance-Saudi-Team.jpg\";a:2:{s:2:\"id\";i:100266;s:11:\"source_type\";s:13:\"media-library\";}s:55:\"\/\/alj.com\/app\/uploads\/2022\/07\/Dr-Khalid-Al-Karimy-1.jpg\";a:2:{s:2:\"id\";i:100329;s:11:\"source_type\";s:13:\"media-library\";}s:61:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Dr-Khalid-Al-Karimy-1.jpg\";a:2:{s:2:\"id\";i:100329;s:11:\"source_type\";s:13:\"media-library\";}s:40:\"\/\/alj.com\/app\/uploads\/2022\/07\/Jeddah.jpg\";a:2:{s:2:\"id\";i:100294;s:11:\"source_type\";s:13:\"media-library\";}s:46:\"\/\/media.alj.com\/app\/uploads\/2022\/07\/Jeddah.jpg\";a:2:{s:2:\"id\";i:100294;s:11:\"source_type\";s:13:\"media-library\";}}"]},"_links":{"self":[{"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/perspective\/100258"}],"collection":[{"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/perspective"}],"about":[{"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/types\/perspective"}],"author":[{"embeddable":true,"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/users\/18"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/media\/100308"}],"wp:attachment":[{"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/media?parent=100258"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alj.com\/en\/wp-json\/wp\/v2\/tags?post=100258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}