An integrated enterprise financial management system via Open Banking
OffersUnified view of bank accounts
Amaalak (EFM) is built and licensed within the regulatory sandbox for Open Banking by the Saudi Central Bank (SAMA)
Amaalak (EFM)
Amaalak delivers an end-to-end solution that enables institutions to manage their financial operations securely and flexibly through Open Banking APIs.
It provides a unified, real-time view of accounts, transactions, and payments across banks—eliminating data silos and accelerating financial decision-making.
Why Amaalak (EFM)?
Automated expense and cashflow management
Automate expense categorization, manage receivables and payables, and optimize liquidity.
Unified financial view
All bank accounts in a single dashboard with real-time balances, cashflows, and financial performance.
Data-driven decisions
Advanced analytics for cashflow forecasting, budgeting, and performance tracking.
Open Banking integration
Secure account information (AIS) and payment initiation (PIS) capabilities.
Full security and compliance
Aligned with SAMA, NCA, and SDAIA standards to ensure data protection.
Business Impact
Reduce operational costs by automating manual financial processes.
Improve decision quality with real‑time financial data.
Increase security and compliance in every transaction.
Support smart growth by aligning financial operations with strategy.
Who Benefits
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Government and nonprofits
Organizations that require high financial transparency.
Large enterprises
Managing relationships across multiple banks.
Small and medium businesses
Seeking better control over cash flows.
