Voice AI for Saudi banks, in the dialect your customers use.
Najdi for Riyadh, Hejazi for Jeddah, MSA when called for. Murabaha, Mada, Iqama KYC. SAMA-aligned from day one.
A banking sector running on Vision 2030.
Saudi banks are digitising at speed under Vision 2030. SAMA is the regulator behind it. Cozmo is built for the combination.
Vision 2030 is real money moving into Saudi banks.
Financial Sector Development Program, NEOM, the Public Investment Fund. The kingdom is shifting from a hydrocarbon economy to a diversified one, and customer-facing financial services are the visible layer. Banks are hiring, growing, modernising every channel.
SAMA does not relax when banks move fast.
Cloud deployment guidelines. Outsourcing controls. Consumer protection rules. Data residency. Every voice AI deployment passes through a regulator with no appetite for handwaving. Cozmo is built so your compliance team can answer SAMA's questions.
Built for the banks Saudi customers actually use.
From Saudi National Bank and Al Rajhi at the top to specialist Islamic and digital players. The same Cozmo platform, configured for each.
The calls a Saudi bank actually takes.
Islamic finance servicing
Murabaha and Tawarruq payment schedules, early settlement, deferment. In the Arabic register your sharia board signs off on.
AR registerNational ID and Iqama KYC
Saudi National ID for citizens, Iqama for residents. Voice-captured, validated against Absher and core banking. Onboarding closed on the call.
SAMA alignedMada and credit card servicing
Activate, freeze, raise limits, dispute. Voice OTP. WhatsApp follow-up. Live during the call.
24/7 coveragePersonal and Hajj financing
Application status, repayment queries, top-up requests. Hajj-financing register handled during pilgrimage season volume.
Seasonal scalingCollections in Najdi or Hejazi
Dialect-aware outbound. Empathy register tuned by segment. Payment plans and links live on the call.
78% cheaperWealth and RM servicing
Tier-1 portfolio queries, statement walkthroughs, RM appointment booking. Escalates to your RM for advice.
HNW registerWhat your compliance team sees from day one.
SAMA does not approve a deployment because the demo is impressive. They approve it because the controls are documented, traceable and verifiable.
Cozmo gives your compliance and risk teams what they need before they ask. Architecture diagrams. Data-flow maps. Vendor-risk packs. Retention policies. Encryption posture.
Your customers hear an agent that sounds local. SAMA sees an agent built to their framework.
Questions Saudi banks ask before deploying.
Is Cozmo SAMA-compliant?
Cozmo is aligned with SAMA's cloud computing framework, customer protection rules, outsourcing guidelines and cybersecurity framework. Data residency in approved regions including in-kingdom where required. Architecture and compliance documentation available for procurement and risk teams.
Which Arabic dialects work for Saudi banks?
Najdi (central Saudi, Riyadh) and Hejazi (western Saudi, Jeddah) are in production. Eastern Province customers default to Najdi register. Modern Standard Arabic is the fallback for formal calls. All Arabic dialects are supported on the platform.
Does it handle Islamic finance correctly?
Murabaha, Tawarruq, Ijara and Wakala are handled in the Arabic register your sharia board expects. Payment schedules, early settlement, deferment, sharia-compliant explanations. Production deployments across Islamic banks in the GCC.
Can it integrate with our core banking system?
Cozmo connects to Temenos, Finacle, Flexcube, Oracle and custom core systems through REST APIs and banking middleware. Customer lookup, account servicing, transaction posting and Absher checks happen on the call.
How long does deployment take?
Three weeks from pilot to production. Dialect profile, workflow logic, core integration, SAMA compliance review configured during the pilot.
Where is the data stored?
Data residency options include in-kingdom hosting through approved regions and providers. Encryption at rest and in transit. Full call recording with retention policies configured to your regulatory requirements.
Hear it in Najdi. On your workflows.
We'll show you Cozmo handling a real Saudi banking workflow in the dialect your customers speak. Not a generic Arabic demo. Yours.