Enterprise Messaging Built for Saudi Arabia's Financial Sector
SAMA-aligned, PDPL-compliant messaging for banks, fintechs, and insurance providers across the Kingdom.
Industry Challenges We Solve
Saudi Arabia's financial sector demands the highest standards in security, compliance, and reliability. Qalaama delivers SAMA-aligned messaging infrastructure for Al Rajhi Bank-tier operations down to fintech startups — with built-in PDPL consent management, Arabic OTP support, and direct carrier integration with STC, Mobily, and Zain.
SAMA Compliance Requirements
Saudi Central Bank mandates strict controls over customer communication, consent management, and data residency — all stored within KSA borders.
PDPL Consent Management
Personal Data Protection Law requires explicit, documented consent before sending any marketing communication to Saudi customers.
OTP Security for Financial Transactions
High-value transactions require tamper-proof OTP delivery with end-to-end encryption and full audit trails for regulatory review.
Arabic Customer Communication
Saudi retail banking customers expect Arabic-language alerts, statements, and OTPs — requiring UCS-2 encoding with proper RTL rendering.
Multi-Channel Orchestration
Delivering the right message across SMS, WhatsApp, and email based on customer preference, transaction type, and urgency level.
Carrier Routing Reliability
Direct relationships with STC, Mobily, and Zain are critical for financial-grade SMS delivery without third-party routing delays.
How Qalaama Solves These Challenges
SAMA-Aligned OTP Platform
Pre-built OTP flows with 99.99% delivery SLA, end-to-end encryption, tamper detection, and full audit logs for SAMA inspection readiness.
PDPL Consent Engine
Built-in consent capture, storage, and withdrawal workflows that satisfy PDPL Article 5 requirements — with timestamped proof for every opt-in.
Arabic Transactional Alerts
Native Arabic SMS and WhatsApp templates for account alerts, transaction confirmations, and balance notifications with proper UCS-2 encoding.
Direct KSA Carrier Integration
Direct connectivity to STC, Mobily, and Zain eliminates third-party routing for the fastest, most reliable financial message delivery in the Kingdom.
Fraud Alert Automation
Real-time suspicious activity alerts with immediate customer action prompts — delivered to the right channel in under 3 seconds.
KSA Data Residency
All customer data, message logs, and consent records stored exclusively in our Riyadh data center — satisfying SAMA, PDPL, and NCA requirements.
Real-World Use Cases
Transaction OTP
SMS + WhatsAppInstant OTP delivery for mobile banking logins, wire transfers, and card activations — with Arabic fallback templates and <3s delivery to all Saudi carriers.
Account Activity Alerts
SMS + PushReal-time debit/credit notifications, low balance warnings, and international transaction alerts in Arabic and English — triggered by core banking events.
Loan & Credit Notifications
WhatsApp + SMSAutomated payment reminders, approval confirmations, and EMI due date alerts with direct payment links — reducing defaults and improving collections.
Fraud Prevention Alerts
SMS + WhatsApp + VoiceSuspicious activity detection triggers immediate multi-channel customer alerts with card freeze options — integrated directly with fraud management systems.
Customer Onboarding
WhatsAppKYC verification flows, welcome sequences, and account setup guidance delivered as interactive WhatsApp conversations or structured SMS journeys.
Regulatory Disclosures
SMS + EmailAutomated delivery of SAMA-required disclosures, terms updates, and regulatory notices with read receipts and consent logging.
Fully Compliant for Saudi Arabia
Every aspect of Qalaama's platform is designed to meet Saudi Arabia's strict regulatory requirements — so your team ships confidently without compliance risk.
Related Products & Solutions
Ready to Get Started in Saudi Arabia?
Join 2,000+ Saudi businesses using Qalaama for enterprise messaging.