يعمل القطاع المصرفي والخدمات المالية ضمن أكثر البيئات التنظيمية تطلُّباً في العالم، فيما يتطلّع العملاء إلى تجارب رقمية تُضاهي أرقى المعايير العالمية. تمنح NTG Apps المؤسسات المصرفية والمالية طبقة تنسيق تُؤتمت العمليات من طرف إلى طرف، وتُحقّق الالتزام تلقائياً، وتوفّر مستوى الاستجابة الذي يتطلّبه العملاء والجهات الرقابية على حدٍّ سواء.
NTG Apps Banking orchestration processes 18,420 banking operations per day — 94.2% auto-decisioned across loans, KYC, trade finance, fraud, and month-end close — with 78% cycle time reduction versus manual processing and 2.1M immutable audit events for SAMA regulatory reporting. The platform connects Customers, Branches, Corporates, Core Banking, KYC/AML systems, ERP, and SWIFT in a single governed layer with 99.99% uptime over 90 days.
NTG Apps Banking gives financial services organizations an orchestration layer that automates loan origination, customer onboarding, trade finance, fraud investigation, and month-end close — with SAMA, AML, and PCI compliance auto-enforced across every process. Integration with Temenos, Oracle FLEXCUBE, and core banking systems runs via REST and SOAP APIs without replacing existing infrastructure. Deployed in 4–8 weeks by the MENA-based implementation team.
Can NTG Apps integrate with our core banking system — Temenos, Finacle, or Oracle FLEXCUBE?
Yes. NTG Apps connects to Temenos, Oracle FLEXCUBE, Finacle, and custom core banking platforms via REST and SOAP APIs. Existing infrastructure is preserved — orchestration workflows run on top of the current core without replacement.
How quickly can NTG Apps banking workflows go live?
Standard banking workflow deployments — loan origination, onboarding, compliance reporting — go live in 4–8 weeks depending on integration complexity. The MENA-based team handles implementation and the AI App Builder compresses initial build cycles significantly.
Is NTG Apps compliant with SAMA, AML, and PDPL requirements for Saudi Arabian banks?
Yes. SAMA, AML, and PCI compliance is auto-enforced across every workflow. The platform supports on-premise deployment and Oracle Cloud hosting within MENA for PDPL data residency requirements — and generates 2.1M immutable audit events for regulatory reporting.
Can compliance and operations teams update workflows without IT when regulations change?
Yes. NTG Apps' low-code workflow builder allows compliance and operations teams to modify approval chains, SLA thresholds, and reporting rules without developer involvement. Every change is versioned and auditable for regulatory review.
NTG AppsBanking and financial services orchestration platform for banks in Saudi Arabia, UAE, Egypt, and MENA — automating loan origination, KYC, trade finance, fraud investigation, and month-end close with SAMA, AML, and PCI compliance auto-enforced.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to process 18,420 operations per day — 94.2% auto-decisioned across loans, KYC, trade finance, and compliance — with 78% cycle time reduction and 2.1M immutable audit events for SAMA regulatory reporting. The platform integrates with Temenos, Oracle FLEXCUBE, and SWIFT via REST and SOAP APIs without replacing existing infrastructure, deploying in 4–8 weeks with PDPL-compliant on-premise or Oracle Cloud hosting within MENA.
NTG Apps · Banking orchestration layer
Live operations · Riyadh region
Loans · KYC · Trade · Fraud · Close
• ALL SYSTEMS GREEN
PROCESSES/DAY
18,420
+12%
AUTO-DECISIONS
94.2%
+3.4pp
CYCLE TIME
−78%
vs manual
AUDIT EVENTS
2.1M
immutable
END-TO-END FLOW
12 SYSTEMS CONNECTED
COMPLIANCE
SAMA · AML · PCI
Auto-enforced
UPTIME
99.99%
Last 90 days
حالة الاستخدام
كيف يستفيد قادة القطاع المصرفي والمالي من NTG Apps
منح قروض الأفراد واعتمادها
أتمتة كاملة لدورة حياة القرض: من تقديم الطلب، إلى القرار الائتماني، إلى الصرف. اعتمادات لجان الائتمان متعددة المستويات، والتحقق من المستندات، والتكامل بين الأنظمة، وضوابط الالتزام، جميعها تجري ضمن مسار عمل محكوم واحد، يختصر دورة الاعتماد من أسابيع إلى ساعات.
NTG Apps Retail Loan Origination approved a SAR 180,000 auto consumer loan in 4 hours 12 minutes — down from an 11-day average — with credit score 782, AML/sanctions pass, DBR under 65%, and SIMAH bureau check all running as automated compliance stages. 73% of clean applications are auto-decisioned without credit committee involvement, and multi-level committee approvals run digitally with full timestamped audit trail for SAMA regulatory review in Saudi Arabia.
NTG Apps Retail Loan Origination is a bank lending platform that approves SAR 180,000 consumer loans in 4 hours 12 minutes — down from 11 days — with 73% auto-decisioning for banks in Saudi Arabia. Unlike manual credit workflows, it automates AML, DBR, and SIMAH bureau checks while integrating with Temenos and Oracle FLEXCUBE via REST APIs.
Does NTG Apps Loan Origination integrate with our core banking and SIMAH bureau systems?
Yes. NTG Apps connects to Temenos, Oracle FLEXCUBE, and SIMAH credit bureau via REST and SOAP APIs. Credit score retrieval, AML screening, and DBR calculation all run automatically within the loan origination workflow — no manual data transfer between systems.
How quickly can loan origination workflows go live?
Loan origination workflows go live in 4–8 weeks. Credit scoring rules, committee approval thresholds, and compliance checks are configured by banking operations teams directly on the low-code platform — without developer involvement for routine product or rule changes.
Is NTG Apps Loan Origination compliant with SAMA and Saudi credit regulations?
Yes. AML/sanctions screening, DBR compliance at or below 65%, SIMAH bureau checks, and credit committee governance all run as mandatory stages in every loan workflow. Every decision is logged with a full timestamped audit trail for SAMA supervisory review.
Do lending teams need IT support to update credit rules and approval thresholds?
No. Credit scoring bands, approval authority limits, and compliance check rules are updated by banking operations and compliance teams directly on the low-code platform — no IT ticket required. Every change is versioned and auditable.
NTG AppsRetail loan origination platform for banks in Saudi Arabia, UAE, Egypt, and MENA — full lifecycle from application to disbursement in hours, 73% auto-decisioning, SIMAH bureau integration, and SAMA-compliant credit committee governance.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to approve SAR 180,000 consumer loans in 4 hours 12 minutes — down from an 11-day average — with 73% of clean applications auto-decisioned through AML screening, DBR compliance, and SIMAH bureau integration. Multi-level credit committee approvals run digitally with full audit trail for SAMA supervisory review, and the platform integrates with Temenos and Oracle FLEXCUBE via REST APIs without replacing existing core banking infrastructure.
Loan #LN-49213 · Auto consumer loan
Khalid Al-Mansour · SAR 180,000
60-month term · APR 6.4%
APPROVED IN 4h 12m
LIFECYCLE · 6 STAGES
✓
Apply08:12
✓
Docs08:18
✓
KYC08:42
✓
Credit10:14
5
Committee
6
Disburse
CREDIT SCORE
782
Tier A · pre-approved bands
COMPLIANCE CHECKS
AML / sanctionsPASS
DBR ≤ 65%PASS
SIMAH bureauPASS
CREDIT COMMITTEE
3 of 4 members signed · awaiting head of risk
CYCLE TIME
Days → Hours
From 11 days avg
AUTO-DECISIONED
73%
Of clean applications
استقبال العملاء وأتمتة 'اعرف عميلك'
تحوّل في تجربة استقبال العميل، من رحلة موزعة على أيام إلى مسار آلي متكامل. جمع المستندات، واستخلاص البيانات بتقنية OCR، والتحقق من الهوية، وفحص مكافحة غسل الأموال (AML)، وتفعيل الحساب، مُنسَّقة من البداية إلى النهاية، مع سجل تدقيق متكامل، ورؤية لحظية لحالة كل ملف لدى فرق الالتزام.
NTG Apps Customer Onboarding and KYC reduces bank account opening from 3 days to 7 minutes — 94 fields auto-extracted via OCR, 97.4% face match confidence from liveness verification, AML screening against OFAC, UN, and EU sanctions lists, and risk scoring all run in a single automated 6-step journey. Drop-off rate reduced 64% and 42 immutable hashed audit events are generated per customer for SAMA regulatory review in Saudi Arabia.
NTG Apps Banking KYC is a digital onboarding platform that opens bank accounts in 7 minutes — down from 3 days — with 97.4% face match, 94-field OCR extraction, and AML screening for banks in Saudi Arabia. Unlike manual KYC, it reduces drop-off 64% and generates 42 immutable SAMA-compliant audit events per customer.
Does NTG Apps KYC connect with our core banking and AML screening systems?
Yes. NTG Apps connects to core banking, AML screening engines, and sanctions list providers via REST and SOAP APIs. OCR-extracted identity data flows directly to account provisioning and SIMAH bureau checks — no manual data re-entry between systems.
How quickly can digital onboarding go live?
Digital customer onboarding goes live in 4–8 weeks. Document capture rules, AML risk scoring thresholds, and account activation triggers are configured by compliance teams directly — without developer involvement for routine process changes.
Is NTG Apps KYC compliant with SAMA onboarding requirements and PDPL in Saudi Arabia?
Yes. The onboarding journey includes liveness verification, OFAC, UN, and EU AML screening, and generates 42 immutable hashed audit events per customer — all aligned to SAMA digital onboarding standards. PDPL consent management and data residency controls are built in.
Do compliance teams need IT support to update KYC risk rules?
No. AML risk scoring thresholds, document acceptance rules, and risk tier assignment logic are updated by compliance teams directly on the low-code platform — no developer involvement required. Every rule change is versioned and auditable.
NTG AppsBank customer onboarding and KYC automation for banks in Saudi Arabia, UAE, Egypt, and MENA — account opening in 7 minutes, 97.4% face match, AML screening against OFAC/UN/EU, 64% drop-off reduction, SAMA-compliant audit trail.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to open accounts in 7 minutes — down from 3 days — with 94 fields auto-extracted via OCR, 97.4% face match liveness verification, and AML screening against OFAC, UN, and EU sanctions lists all completing in a single mobile journey. Drop-off rate reduced 64% and 42 immutable hashed audit events per customer meet SAMA digital onboarding requirements and PDPL data residency standards.
Onboarding #CX-7841 · Sara Al-Otaibi
JOURNEY · 6m 42s
5 of 6
✓
Document capture
ID front, back, selfie
✓
OCR extraction
94 fields auto-parsed
✓
Liveness + face match
97.4% confidence
✓
AML / sanctions screen
OFAC, UN, EU lists
●
Risk scoring
Low risk · tier 1
Account activation
IBAN provisioning
ID DOCUMENT · OCR
KSA · NATIONAL ID
SARA AL-OTAIBI
1098 • 4421 • 8853
DOB 14/03/1992EXP 11/2031
FACE MATCH · LIVENESS
✓ Liveness verified
✓ Face match passed
✓ Spoof detection
SAMA-compliant
AUDIT TRAIL
42 events · immutable · hashed
ONBOARDING TIME
3 days → 7 min
DROP-OFF
−64%
Single journey
تمويل التجارة والاعتمادات المستندية
رقمنة شاملة لدورة حياة تمويل التجارة: إصدار الاعتماد المستندي، وتعديله، وفحص المستندات، والتسوية النهائية — ضمن مسار عمل منظَّم يربط بين الخدمات المصرفية للشركات، وعمليات التجارة، والالتزام، والبنوك المراسِلة، دون الحاجة إلى تبادل المستندات يدوياً.
NTG Apps Trade Finance reduces LC processing from 14 days to 3 days — a USD 2.4M sight Letter of Credit from Saudi Steel Co. to Tata Iron India runs through application, SWIFT MT700 issuance, amendment, document examination, and settlement in a single digital workflow. SWIFT messages MT700, MT707, and MT752 are auto-routed to the advising bank in Mumbai without manual document exchange between correspondent banks.
NTG Apps Trade Finance is a Letter of Credit automation platform that cuts LC processing from 14 days to 3 days for banks in Saudi Arabia. Unlike paper-based trade finance, it auto-routes SWIFT MT700, MT707, and MT752 messages and examines documents automatically — connecting Issuing Bank, Advising Bank, and Beneficiary in one governed workflow.
Does NTG Apps Trade Finance connect with our core banking and SWIFT systems?
Yes. NTG Apps connects to core banking, SWIFT messaging, and correspondent banking systems via REST and SOAP APIs. SWIFT MT700, MT707, and MT752 messages are generated and routed automatically — no manual message composition or paper document exchange required.
How quickly can trade finance workflow automation go live?
Trade finance workflows go live in 4–8 weeks. LC issuance templates, document examination checklists, and amendment routing rules are configured by trade operations teams directly — without developer involvement for routine product or rule changes.
Does NTG Apps Trade Finance comply with SAMA and international trade finance regulations?
Yes. Every LC stage — issuance, amendment, document examination, and settlement — is logged with a full timestamped audit trail aligned to SAMA supervisory reporting requirements. UCP 600 document examination rules are configurable by trade operations teams directly.
Do trade operations teams need IT support to update LC templates and examination rules?
No. LC templates, document examination checklists, and discrepancy routing rules are updated by trade finance managers directly on the low-code platform — no developer involvement required. Every change is versioned and auditable for regulatory review.
NTG AppsTrade finance and Letter of Credit processing for banks in Saudi Arabia, UAE, Egypt, and MENA — LC processing from 14 days to 3 days, automated SWIFT MT700/707/752 routing, document examination, and SAMA-compliant audit trail.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to reduce Letter of Credit processing from 14 days to 3 days — a USD 2.4M sight LC from Saudi Steel Co. issued via SWIFT MT700 to the advising bank in Mumbai and document examination completed automatically with discrepancies flagged for examiner review. SWIFT MT707 amendments and MT752 settlements route automatically, with every stage generating an immutable audit trail for SAMA regulatory review.
LC #TF-0421 · Sight L/C · USD 2.4M
Saudi Steel Co. → Tata Iron India
Issued 12 Mar · Expires 15 Jun · USD 2.4M
EXAMINATION
PARTIES · FLOW
DOCUMENT EXAM
1 DISCREP.
Commercial invoiceOK
Bill of ladingOK
Packing listOK
Certificate of originDISCREP.
Insurance certificateOK
LC LIFECYCLE
Issuance
Amendment 1
Document exam
Acceptance
Settlement
PROCESSING TIME
14d → 3d
SWIFT MESSAGES
MT700 · 707 · 752
Auto-routed
التحقيق في الاحتيال وإدارة القضايا
تنبيهات الاحتيال القادمة من أنظمة الكشف تحول تلقائياً إلى مسارات تحقيق منظمة، تسند للمحللين، وتصعد بحسب درجة الخطورة، وتُتابَع وفق اتفاقيات مستوى الخدمة، وتغلق بقرار موثق. كل إجراء مُسجَّل بشكل كامل لأغراض الالتزام والتدقيق الرقابي.
NTG Apps Banking Fraud Investigation routes 47 new fraud alerts per period through AI triage into structured investigation workflows — card-not-present fraud (SAR 24,800), velocity anomalies, and AML structured deposits each assigned to an analyst, tracked against SLA, and resolved in 4.2 hours on average. False positives reduced 52% through AI triage. Every action logged for SAMA regulatory audit reporting with full chain of evidence in one click.
NTG Apps Fraud Case Management is a banking fraud investigation platform that reduces false positives 52% through AI triage and resolves cases in 4.2 hours on average for banks in Saudi Arabia. Unlike manual triage, it auto-assigns 47 new alerts by severity with SLA tracking and generates a full SAMA audit trail in one click.
Does NTG Apps Fraud connect with our existing fraud detection and core banking systems?
Yes. NTG Apps connects to fraud detection engines, core banking systems, and card management platforms via REST and SOAP APIs. Alerts route from detection engines directly into structured investigation workflows — no manual handoff between fraud detection and case management teams.
How quickly can fraud investigation workflows go live?
Fraud investigation workflows go live in 4–8 weeks. Alert severity routing, SLA thresholds, and analyst assignment rules are configured by fraud operations teams directly on the low-code platform — without developer involvement for routine rule changes.
Does NTG Apps Fraud support SAMA regulatory fraud reporting requirements in Saudi Arabia?
Yes. Every fraud investigation action is logged with a full chain of evidence — decision logs, communications, documents, and signatures — ready for SAMA regulatory reporting in one click. 100% immutable audit trail from alert detection to case closure.
Do fraud teams need IT support to update alert routing rules and SLA thresholds?
No. Alert severity classification, SLA targets, and analyst routing rules are updated by fraud operations managers directly on the low-code platform — no IT ticket required. Every change is versioned and auditable for regulatory review.
NTG AppsBanking fraud investigation and case management for banks in Saudi Arabia, UAE, Egypt, and MENA — 52% false positive reduction with AI triage, 4.2-hour average resolution, full chain of evidence for SAMA regulatory reporting.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to triage 47 new fraud alerts per period — card-not-present fraud, velocity anomalies, and AML structured deposits — with false positives reduced 52% through AI triage and average case resolution at 4.2 hours. Every action is logged for SAMA regulatory reporting with decision logs, communications, documents, and signatures accessible in one click for audit submission.
Fraud cases · Triage queue
NEW
47
ACTIVE
124
CONFIRMED
18
CLEARED
89
ACTIVE CASES
Sorted by SLA
#2841CNP · SAR 24,800HIGHLayan O.2h 14m
#2840Velocity anomalyMEDKhalid M.8h 02m
#2839AML structuredHIGHAhmed B.48m
TIMELINE · #FR-2841
09:14Rule R-114 fired
09:14Assigned → Layan
09:22Card blocked
10:08Customer contacted
liveAwaiting reply
REGULATORY AUDIT
Full chain of evidence for SAMA reporting in 1 click.
Decision logsCommsDocumentsSignatures
FALSE POSITIVES
−52%
With AI triage
AVG RESOLUTION
4.2 hrs
العمليات المالية وإقفال نهاية الشهر
نهاية للإقفال اليدوي في نهاية الشهر، عبر مسارات مطابقة آلية، وسلاسل اعتماد للقيود المحاسبية، وخطوط إعداد التقارير المالية. تكامل مباشر مع أنظمة Core Banking وERP لتجميع البيانات تلقائياً، فيُغلَق الشهر في أيام، لا أسابيع.
NTG Apps Finance Operations and Month-End Close reduces banking close from 14 days to 3.5 days — 75% reduction year-over-year — with 98.4% bank reconciliation auto-match, intercompany matching, and automated journal approval workflows for payroll accrual, FX revaluation, and IFRS9 provision. Data auto-consolidates from 6 entities and 2 ledgers connecting core banking systems and ERP without manual extract or import.
NTG Apps Banking Close module eliminates manual month-end close — sub-ledger close, bank reconciliation, and intercompany match complete automatically, with 14 unmatched exceptions routed to the AP team. Journal approvals for CFO, Treasurer, and Risk Head run digitally with timestamped sign-off. The trial balance freezes on Day 1 for audit-ready financial statements without waiting for the close cycle to complete.
NTG Apps Banking Close is a month-end close automation platform that reduces bank close time from 14 days to 3.5 days for finance operations teams in Saudi Arabia. Unlike manual close processes, it auto-matches 98.4% of bank reconciliations and freezes an audit-ready trial balance on Day 1.
Does NTG Apps Month-End Close connect with our core banking system and ERP?
Yes. NTG Apps auto-consolidates financial data from core banking systems and ERPs via REST and SOAP APIs — across 6 entities and 2 ledgers simultaneously. Sub-ledger close, bank reconciliation, and intercompany matching all pull from live system data without manual extract or import.
How quickly can month-end close automation go live?
Close workflow automation goes live in 4–8 weeks. Reconciliation matching rules, journal approval chains, and consolidation schedules are configured by finance operations teams directly on the low-code platform — without developer involvement for routine process changes.
Is NTG Apps Month-End Close compliant with IFRS and SAMA reporting requirements?
Yes. IFRS9 provision workflows, FX revaluation, and journal approval chains are all configurable within the platform. The trial balance freezes audit-ready on Day 1 — generating immutable timestamped records for SAMA regulatory review.
Do finance teams need IT support to update close workflows and approval chains?
No. Reconciliation rules, journal approval authority limits, and consolidation schedules are updated by finance operations teams directly on the low-code platform — no IT ticket or developer required. Every change is versioned and auditable.
NTG AppsBanking finance operations and month-end close automation for banks in Saudi Arabia, UAE, Egypt, and MENA — 14 days to 3.5 days close time, 98.4% auto-matched reconciliation, IFRS9 workflow, audit-ready from day one.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Banks in Saudi Arabia use NTG Apps to close books in 3.5 days — down from 14 days, a 75% year-over-year reduction — with 98.4% bank reconciliation auto-match across 6 entities and 2 ledgers. Journal approvals for CFO, Treasurer, and Risk Head for IFRS9 provision run digitally, and the trial balance freezes audit-ready on Day 1. Financial data auto-consolidates from core banking systems and ERP via REST APIs without manual extract or import.
نعم. تتصل NTG Apps بأنظمة Core Banking عبر واجهات REST وSOAP. لدينا خبرة ميدانية في التكامل مع Temenos وOracle FLEXCUBE ومنصات Core Banking المخصَّصة في منطقة الشرق الأوسط وشمال أفريقيا. البنية التحتية القائمة لديكم محفوظة بالكامل.
تدعم NTG Apps النشر داخل مرافق المؤسسة (On-Premise) والاستضافة على Oracle Cloud في منطقة الشرق الأوسط وشمال أفريقيا — بما يضمن بقاء بيانات العملاء والموظفين ضمن النطاق التنظيمي المطلوب. كما تأتي ضوابط إدارة الموافقات والحق في المسح وفق نظام PDPL مدمجةً في صميم المنصة.
نعم. يُتيح بانٍ مسارات العمل بمنهجية الـLow-Code في NTG Apps لفرق الالتزام والعمليات تعديل سلاسل الاعتماد، وحدود اتفاقيات مستوى الخدمة، وقواعد التقارير — دون الحاجة إلى مطوّر برمجيات. كل التعديلات مُؤرَّخة بالإصدارات وقابلة للتدقيق.
تدخل مسارات العمل القياسية (منح القروض، استقبال العملاء، تقارير الالتزام) الخدمة خلال 4 إلى 8 أسابيع، بحسب درجة تعقيد التكامل. فريقنا في المنطقة يتولى التنفيذ بالكامل، كما يُسهم AI App Builder في اختصار دورات البناء الأولية بشكل ملموس.
