Intelligence built on context that runs inside your bank and on your own infrastructure.
The Financial Sector Development Program has set the Kingdom explicit targets for 2030: SAR 4,553 billion in banking assets, 525 active fintech companies, and a financial sector contributing 8.2 percent of GDP. In March 2026, SAMA moved Open Banking from its regulatory sandbox into full licensing, so banks are now expected to operate at production scale, on a compressed timeline. The fastest way to hit these targets is to adopt a hosted AI platform built and run by an external vendor, and that is exactly the path that places a bank’s core decisioning intelligence inside infrastructure it does not control.
CodeNinja operates as an AI Lab. Our engineers work inside your bank, building governed Systems of Context on your own infrastructure, under your own governance. What gets built stays yours, in the Kingdom, under your control.
Book a private meeting with our business development team at Money20/20 Middle East 2026.
The Financial Sector Development Program has set the Kingdom explicit targets for 2030: SAR 4,553 billion in banking assets, 525 active fintech companies, and a financial sector contributing 8.2 percent of GDP. In March 2026, SAMA moved Open Banking from its regulatory sandbox into full licensing, so banks are now expected to operate at production scale, on a compressed timeline. The fastest way to hit these targets is to adopt a hosted AI platform built and run by an external vendor, and that is exactly the path that places a bank’s core decisioning intelligence inside infrastructure it does not control.
CodeNinja operates as an AI Lab. Our engineers work inside your bank, building governed Systems of Context on your own infrastructure, under your own governance. What gets built stays yours, in the Kingdom, under your control.
Book a private meeting with our business development team at Money20/20 Middle East 2026.
CodeNinja operates across Saudi Arabia’s priority sectors: government digitization, energy, financial services, logistics, and healthcare. Trusted by 240 or more organizations across 15 or more industries worldwide. Recognized by Clutch among the 100 fastest-growing technology companies of 2026.
Tell us what you are trying to build, and we will show you how to own the AI behind it. Pick a time directly with one of our business development leads in Riyadh.
It runs on your own infrastructure, learns how your bank actually works, and transfers to you in full. Ownership holds it together. Three things make that real.
Our engineers work inside your bank, under an Employer of Record structure, as part of how your team gets this built.
Every system runs inside your own environment, under your own risk and compliance controls, from day one.
The system, the model, and everything it has learned transfer to your bank completely.
Four questions any regulator will ask before approving agentic AI in a bank, and the reason CodeNinja builds Systems of Context to answer them directly.
Models your bank’s products, policies, customer relationships, approval rules and permitted actions, so an agent reasons from your real operating context.
Controls how agents execute tasks and routes sensitive decisions to a human rather than letting an agent act unsupervised past its mandate.
Captures decisions, exceptions and corrections as institutional memory, so the bank keeps improving without losing context.
Shows the rule, the data and the reasoning behind any outcome, so an audit or a regulator’s question has a real answer.
Vision 2030 set out to make the Kingdom a builder of technology, not just a buyer. The same principle applies to how a bank builds its AI. Let’s talk about what your bank can own.
A leading and influential financial institution in the Middle East, the client, established in 1957, is a key financier of national infrastructure projects and a strategic partner in achieving the nation’s Vision 2030 goals. With a workforce of over 7,500 employees, the bank provides a comprehensive range of financial products and services for retail, corporate, and SMEs, all compliant with Islamic Sharia principles.
