Rafiq · Pitch Deck
Banking & Fintech · AGENTIC OPERATIONS
Rafiqرفيق
Customer-service, dispute, and underwriter copilots that work in fluent Arabic — and never go off the record.
neuriya.ai — Sovereign, Arabic-first enterprise AI
Problem
Bank operations teams are stretched across two languages and no audit trail
- Contact centers handle high volumes of Arabic-dialect inquiries with tools designed and tuned for English scripts, forcing constant handoffs to human agents for routine account and card questions.
- Dispute and chargeback teams work through case backlogs manually, re-reading the same evidence across systems that don't talk to each other.
- Credit desks lose hours drafting underwriting recommendations from scratch for routine applications that follow a predictable evidence pattern.
- SAMA conduct-of-business expectations require a full, reviewable record of every customer-facing decision — most contact-center and dispute tools produce chat logs, not audit trails.
Solution
Agentic copilots that work in fluent Arabic and document every step
Product
Rafiq in action
How it works
From first touch to outcome
Deploy
Connect the copilots to your contact-center, case-management, and credit systems without replacing them.
Automate
Routine service, dispute, and underwriting tasks are handled end-to-end, in the customer's language of choice.
Escalate
Anything uncertain, high-value, or emotionally charged is routed to a human with full context attached.
Audit
Every action is logged and explainable, ready for internal QA or a SAMA conduct review at any time.
Market
Sizing the opportunity
- TAM — $2.4B. GCC conversational AI & contact-center automation spend
- SAM — $260M. Saudi banking contact-center, dispute, and underwriting automation market
- SOM — $18M. 3-year obtainable share across licensed Saudi banks and finance companies
Vision 2030's push for digital-first banking, combined with SAMA's conduct-of-business and Open Banking expectations, is driving more than 30 licensed Saudi banks and fintechs to replace outsourced call-center capacity and manual case queues with auditable, Arabic-fluent automation.
Business model
How Rafiq makes money
Annual platform license
Priced per institution and tiered by contact-center and case-team seat count, covering service, dispute, and underwriter copilots.
Usage-based conversation & case pricing
Metered by conversation or case resolved for institutions that want to start with a single desk before expanding.
Implementation & integration fee
One-time fee to connect the copilots to existing contact-center, case-management, and credit systems without replacing them.
Revenue streams
Where the revenue actually comes from
Competition
Where we win
Our edge
- Fluent, dialect-aware Arabic is a first-class design constraint, not a translation layer applied to an English product.
- Human-in-the-loop by design — confidence thresholds route uncertain cases to people automatically, so agents never quietly overreach their mandate.
- Full conversation and decision audit trail ships with the product, ready for SAMA conduct review without reconstruction.
- Founding team combines Saudi enterprise delivery experience with hands-on applied-AI engineering.
Traction
Early validation, built for pilot readiness
- Full agentic ops platform designed and built end-to-end: performance dashboard, disputes and chargebacks board, and conversation audit log.
- Architecture pre-aligned to SAMA CSF, PDPL, NDMO Classification, and ISO 27001 from day one.
- Actively selecting design-partner banks for a first pilot cohort.
Go-to-market
Design-partner banks first, then sandbox-backed expansion
- 1Land with 1-2 design-partner banks willing to run the copilots against a real slice of service, dispute, or underwriting volume.
- 2Prove resolution-time and audit-completeness outcomes over a defined pilot period against existing manual workflows.
- 3Expand through the SAMA regulatory sandbox and operations-leadership networks across the licensed banking and fintech market.
Team
Built by operators, not just builders
The ask
Raising a seed round to reach first design-partner banks
We're raising to fund pilot deployments with design-partner banks, contact-center and case-management integration work, and the core engineering team through first-revenue.