Blog post 8
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Ekis works with banks and financial institutions to strengthen decision-making, execution, and long-term performance.
With rising funding costs, reduced liquidity, and evolving requirements from the Saudi Arabian Monetary Authority (SAMA), retail banking in Saudi Arabia faces increased competition. The margin compression is accelerating as customer behaviour shifts toward digital and value-driven experiences. These dynamics demand sharper balance-sheet discipline, clearer product economics, and more focused execution approaches, supported by retail banking consulting expertise.
We support retail banking advisory work in KSA through focused interventions across strategy, products, and operations. Our retail banking consulting expertise helps institutions strengthen pricing, liability management, and portfolio alignment with regulatory and liquidity constraints. We redesign customer segmentation, enhance credit and risk practices, and support digital enablement to improve efficiency, targeting, and sustainable performance.
The approach to micro, small, and medium enterprises (MSMEs) banking in Saudi Arabia is undergoing a significant shift toward digital, data-led ecosystems in line with Vision 2030. The competitive advantage lies in moving away from collateral-led lending toward faster decisioning, cash-flow insights, and embedded propositions. Now, banks must support MSMEs across their lifecycle while managing scale, margins, and risk in increasingly open, API-enabled environments.
We work as a trusted SME consultant, supporting banks from strategy through activation. Our work includes segment prioritisation, proposition design, and GTM planning with clear product economics. We enhance onboarding, credit journeys, and decisioning using cash-flow signals, enabling scalable growth supported by our SME consulting discipline.
With tight Loans-to-Deposits ratios and ongoing liquidity pressure in KSA, corporate banks are prioritising non-interest income growth. Many institutions are accelerating the build-out of Global Transaction Banking units to strengthen relationships, fee income, and balance-sheet resilience. This shift requires informed banking consulting support across proposition design, governance, and coverage models.
With tight Loans-to-Deposits ratios and ongoing liquidity pressure in KSA, corporate banks are prioritising non-interest income growth. Many institutions are accelerating the build-out of Global Transaction Banking units to strengthen relationships, fee income, and balance-sheet resilience. This shift requires informed banking consulting support across proposition design, governance, and coverage models.
Saudi Arabia’s leading finance companies are balancing growth in financing volumes with consistent credit outcomes and operational control. As demand from SMEs increases, providers must manage a more diverse set of merchant profiles while meeting regulatory requirements and integration requirements. This environment calls for disciplined credit decisioning, standardised processes, and scalable operating models.
We strengthen core foundations through clearer credit frameworks, increased digitisation across onboarding and servicing, and structured merchant segmentation. Our financial services consulting supports improved controls, frontline execution, and operational reliability. We reinforce execution through better tools, accountability, and controls, enabling growth that remains governed, resilient, and sustainable.
In a competitive KSA FX and derivatives market, winning banks anticipate client needs and execute faster. This requires closer collaboration between relationship managers, sales, and product teams, supported by clear prioritisation of industries, currencies, and risk-hedging opportunities. Treasury functions must shift from reactive execution to proactive origination.
We enable this shift by building commercial and governance frameworks that accelerate FX and derivatives origination. Our work supports cross-sell between product, sales, and RM teams, and converts balance sheet and loan portfolio insights into organized risk solutions, strengthening treasury’s role as a growth engine.
Digital and AI now play a direct role in how banks grow revenue and strengthen customer relationships. While most institutions have the technology in place, challenges remain around prioritisation, ownership, and scaling beyond pilots. The opportunity now lies in translating data and digital journeys into sustained fee income and deeper engagement.
We focus on practical, monetisable use cases across payments, cards, and data. Our digital banking strategy consulting supports AI-driven decisioning, journey digitisation, and pricing optimisation. We work closely with business and delivery teams to ensure initiatives are implemented, adopted, and scaled to deliver measurable commercial outcomes.
Ektis is growing with people who value integrity, commitment, and genuine contribution. We work closely with institutions that depend on strong financial expertise.
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