Yanal ventures into personal finance, backed by Stitch's modern financing infrastructure

Whether applying for a loan online, checking repayment schedules on mobile, or visiting a branch for assistance, customers in Saudi Arabia want a seamless and consistent experience everywhere. It has now become the standard for financing institutions to deliver this kind of integration. Yanal, formerly Saudi ORIX Leasing Company, recognized this.

The challenge

Yanal's ambition was clear, with plans to expand from SME lending into personal finance. However, their systems were not ready for it. Manual processes created bottlenecks in onboarding and servicing. Their existing setup struggled with high transaction volumes, limiting their ability to enter retail segments. Customer touchpoints were disconnected, and there was no way to deliver a consistent journey across mobile, web, and branch channels. To move forward, Yanal needed a technology partner that could replace their fragmented infrastructure with something flexible, scalable, and fully compliant.

At the same time, the shift toward digital financing in Saudi Arabia is accelerating. As of June 2025, total credit in Saudi Arabia's banking sector reached approximately $845 billion, marking around a 16.3 percent year-on-year increase in outstanding loans. For institutions looking to grow, success in this landscape depends on automation, scale, and omni-channel delivery.

The solution

For Yanal, that meant consolidating everything onto a single digital platform.

• Seamless product expansion: The ability to expand into new product lines through a single unified solution.

• End-to-end automation: Digital origination, decisioning, servicing, and collections, fully automated for speed and accuracy.

• Scale by design: Cloud-native architecture capable of handling high transaction volumes and retail growth.

• Frictionless digitalization: Onboarding, eKYC, and servicing tools that create seamless customer journeys.

• True omni-channel capability: Delivering consistent experiences across mobile, web, and assisted branch channels.

• Compliance embedded: SAMA-ready platform with industry-grade cybersecurity and regulatory alignment.

“As we look to expand from SME financing into personal finance, we needed a platform that could combine scale, automation, and digital-first experiences. Stitch provides the omni-channel and compliance-ready capabilities that position us to serve customers more efficiently and grow confidently in Saudi Arabia’s evolving financing landscape.” - Shahid Hanif, Financial and Strategic Advisor, Yanal

Looking ahead

As Saudi Arabia's financing ecosystem grows more competitive, Yanal is now positioned not just to keep pace, but to lead, with speed, scale, and customer experience at the core.