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Digital Mortgage Platform for Saudi Market
  1. case
  2. Digital Mortgage Platform for Saudi Market

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Digital Mortgage Platform for Saudi Market

djangostars.com
Financial services
Real estate

Legacy Mortgage Process Challenges

Traditional mortgage processes in Saudi Arabia rely on in-person meetings, manual documentation, and lack transparency, leading to inefficiency, high processing times, and limited customer accessibility. Existing systems require digitization to meet modern expectations while adhering to strict regulatory and cultural requirements.

About the Client

Leading Saudi Arabian bank offering digital and in-person services, seeking to modernize mortgage processes in compliance with local regulations

Digital Transformation Goals

  • Design a fully digital mortgage solution compliant with Saudi Arabian regulations
  • Create user-centric flows for seamless mortgage application and tracking
  • Implement Shariah-compliant processes and Islamic financial principles
  • Enable real-time eligibility assessments and document verification
  • Establish integration with national authentication and credit advisory systems

Core System Requirements

  • Tawtheeq National Authentication integration
  • Dual Hijri/Gregorian calendar support
  • Real-time loan eligibility calculator (15-minute decision)
  • Digital document submission and verification
  • Application progress tracking dashboard
  • Shariah-compliant contract signing workflow
  • SAMA credit advisory integration
  • Medical eligibility assessment module

Technology Stack Requirements

Cloud hosting within Saudi Arabia
Islamic finance-compliant backend architecture
Mobile-first responsive design framework
Secure document storage with encryption
API-first development approach

Critical System Integrations

  • Tawtheeq National Authentication System
  • SAMA (Saudi Arabian Monetary Authority) credit advisory
  • Hijri calendar conversion service
  • National ID verification system
  • Digital contract signing platform

Non-Functional Requirements

  • Full compliance with Saudi data localization laws
  • 99.9% system availability SLA
  • Multi-layer security architecture with biometric authentication
  • Scalable infrastructure for 1M+ users
  • Accessibility compliance with WCAG 2.1 standards

Expected Business Outcomes

Implementation of this digital mortgage platform is projected to reduce processing times by 70%, increase customer acquisition through improved accessibility, ensure full regulatory compliance with Saudi financial authorities, and position the bank as a regional leader in Islamic fintech innovation while maintaining operational efficiency and security standards.

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