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Alberto San Juan
Head of account
Alberto San Juan is a seasoned professional with over twenty five years of expertise in local and international digital programs. He specializes in customer management, business consulting, global budget monitoring, marketing strategies, team management, and commercial tasks.
His background includes strong accounts management skills with a focus on Digital Banking for Saudi Banks, digitalization processes for NBFI, and online Marketing and Loyalty programs for Retailers and FMCG companies.
Alberto's responsibilities have encompassed various strategic tasks such as product roadmap definition, sales support, contract negotiations, budgeting, resource management, product development based on market research, and ensuring program feasibility.
He has a solid educational foundation, having studied Ingeniero Industrial, Técnicas Energéticas at Universitat Politècnica de Catalunya. Alberto has held key positions in reputable organizations including CREALOGIX, Thales Information Systems, and Indra.
Highlights
𝗛𝗼𝘄 𝗔𝗜 𝗶𝘀 𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗶𝗻𝗴 𝗡𝗼𝗻-𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗜𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻𝘀 𝗶𝗻 𝗦𝗮𝘂𝗱𝗶 𝗔𝗿𝗮𝗯𝗶𝗮 🌟 Artificial Intelligence (AI) is revolutionizing the financial sector, and non-banking financial institutions (NBFIs) in Saudi Arabia are no exception. Here’s a look at how AI is poised to impact NBFIs in the Kingdom: • 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗱 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗦𝗲𝗿𝘃𝗶𝗰𝗲: AI-powered chatbots offer 24/7 support, handling inquiries and providing personalized financial advice, improving satisfaction and reducing costs. • 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 & 𝗙𝗿𝗮𝘂𝗱 𝗗𝗲𝘁𝗲𝗰𝘁𝗶𝗼𝗻: AI analyzes large data sets to detect fraud and assess credit risk, leading to better decision-making and fewer defaults. • 𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗖𝗿𝗲𝗱𝗶𝘁 𝗦𝗰𝗼𝗿𝗶𝗻𝗴: AI leverages alternative data for comprehensive credit profiles, improving access to credit for underserved segments, supporting Vision 2030. • 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝗱𝘂𝗰𝘁𝘀: AI tailors financial products to individual needs, boosting customer engagement through robo-advisors and other services. • 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗘𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆: Automation of routine tasks like data entry and compliance checks allows human resources to focus on strategic activities, optimizing operations. • 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: AI tools monitor regulatory updates and automate reporting, reducing the risk of non-compliance and penalties. • 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: AI-powered platforms offer automated portfolio management, democratizing access to sophisticated investment strategies. • 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗜𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻: AI-driven mobile solutions provide microloans and savings plans to underserved communities, fostering economic development. 📈 𝗩𝗶𝘀𝗶𝗼𝗻 𝟮𝟬𝟯𝟬 𝗜𝗻𝗶𝘁𝗶𝗮𝘁𝗶𝘃𝗲𝘀 𝗕𝗼𝗼𝘀𝘁𝗶𝗻𝗴 𝗔𝗜 𝗔𝗱𝗼𝗽𝘁𝗶𝗼𝗻 Several key initiatives launched are set to accelerate the adoption of AI in NBFIs across Saudi Arabia: • 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗔𝗜 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆: Supports innovation and provides frameworks for AI adoption. • 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗦𝗮𝗻𝗱𝗯𝗼𝘅𝗲𝘀: Allows testing of AI-driven financial products in a controlled environment. • 𝗣𝘂𝗯𝗹𝗶𝗰-𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗣𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽𝘀: Facilitates AI solution development tailored to the financial industry. • 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗶𝗻 𝗥&𝗗: Paves the way for advanced AI applications in NBFIs. • 𝗧𝗮𝗹𝗲𝗻𝘁 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁: Ensures a steady pipeline of skilled AI professionals. AI has the potential to revolutionize NBFIs in Saudi Arabia, driving innovation, efficiency, and inclusivity. By leveraging Vision 2030 initiatives and partners as CREALOGIX, NBFIs can enhance services and contribute to financial inclusion goals. Let’s connect to discuss how AI can transform your organization! #AI #Fintech #SaudiArabia #NBFI #2030Initiatives #DigitalTransformation #CREALOGIX
𝗦𝗠𝗘 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝗻 𝗦𝗮𝘂𝗱𝗶 𝗔𝗿𝗮𝗯𝗶𝗮 🏢 Small and Medium Enterprises (SMEs) have historically been a vital component of Saudi Arabia’s economy, accounting for a significant share of employment and economic output. However, the sector has faced challenges in accessing finance due to stringent banking requirements, lack of financial history, and insufficient collateral. Traditionally, Saudi banks were reluctant to extend credit to SMEs due to perceived higher risks, leading to a significant financing gap. 🌟 Recent efforts to support SMEs have significantly improved their access to finance:
- 𝗩𝗶𝘀𝗶𝗼𝗻 𝟮𝟬𝟯𝟬: Launched to diversify the economy and boost SME contribution to GDP from 20% to 35%.
- 𝗠𝗼𝗻𝘀𝗵𝗮’𝗮𝘁: Established in 2016 to support SMEs with financial aid, regulatory reforms, and capacity building.
- 𝗙𝘂𝗻𝗱𝗶𝗻𝗴 𝗣𝗿𝗼𝗴𝗿𝗮𝗺𝘀: Initiatives like the Kafalah Program, SIDF, and SDB provide specialized financing for SMEs.
- 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗦𝗲𝗰𝘁𝗼𝗿 & 𝗙𝗶𝗻𝘁𝗲𝗰𝗵: Increased VC and PE investments. Emerging fintech solutions such as digital lending and payment systems.
- 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗥𝗲𝗳𝗼𝗿𝗺𝘀: Enhanced transparency and efficiency in SME financing through SAMA’s regulations. 📈 The future of SME finance in Saudi Arabia looks promising with several anticipated trends:
- 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗗𝗶𝗴𝗶𝘁𝗮𝗹𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Growing adoption of fintech for easier access to finance.
- 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗱 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸: Continued reforms improving the financial ecosystem.
- 𝗣𝘂𝗯𝗹𝗶𝗰-𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗣𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽𝘀: Joint initiatives fostering a conducive environment for SME financing.
- 𝗦𝗲𝗰𝘁𝗼𝗿-𝗦𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀: Tailored financing for industries like healthcare, tech, and renewable energy.
- 𝗡𝗼𝗻-𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗜𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻𝘀: Greater role of NBFIs offering alternative financing.
- 𝗙𝗼𝗰𝘂𝘀 𝗼𝗻 𝗦𝘂𝘀𝘁𝗮𝗶𝗻𝗮𝗯𝗶𝗹𝗶𝘁𝘆: Rise of green finance products supporting sustainable practices. ✅ So as, Saudi Arabia’s SME finance landscape is transforming, driven by strategic initiatives, private sector engagement, and technological advancements. As the ecosystem evolves, SMEs will gain more diverse and accessible financing, aligning with Vision 2030’s goals for a dynamic, inclusive, and sustainable economy. #SMEs #Finance #SaudiArabia #Vision2030 #Fintech #CREALOGIX
