What it is
Financial solutions are the systems that move money and records through a business: invoicing and tax compliance, accounting and reporting, and payments and bank connections. In Saudi Arabia they also have to satisfy ZATCA for e-invoicing and VAT, SAMA for payments and open banking, and data rules such as the PDPL, which is why finance technology here is built differently from anywhere else.
An invoice, a payment and a ledger entry are one chain. When the invoice is not cleared by ZATCA, the payment cannot be matched, and the books do not close. Most finance technology problems happen at the joins between these systems, not inside them.
GoAgile works across the whole chain: we integrate ERPs with ZATCA, set up accounting platforms for Saudi rules, build and connect payment gateways and banks, and add AI-assisted reporting on top of governed finance data. One team, so the joins are designed rather than discovered.
Key facts
Our services
Buy one on its own or combine them. Each page explains the scope, the regulations, the process and the questions people ask.
Service 01
Integrate your ERP, POS and custom systems with ZATCA in Saudi Arabia, and with the UAE and Oman through our accredited service provider channels, then keep them compliant.
Service 02
Accounting platforms set up for Saudi VAT, Zakat data and IFRS, with a clean close and management reporting.
Service 03
Payment gateways built and integrated, bank connectivity and open banking, reconciled into your ledger.
Financial AI reporting
Drafted management commentary, variance explanations and anomaly flags, built on the numbers in your ledger and warehouse, with every figure linked to its source and every report approved by a person.
Client: Al Rajhi BankEverything finance technology covers
Whatever your finance technology question, it sits in one of these areas. Each links to the page with the detail.
E-invoicing for Saudi Arabia, the UAE and Oman, VAT reporting and Zakat data, built into the systems that issue invoices and keep the books.
What you get
Billing that stays valid, and returns that agree with the ledger.
Accounting platforms implemented for Saudi VAT, IFRS and Arabic documents, with month-end run on a calendar and reconciliations that stay current.
What you get
A shorter close and numbers the board trusts.
Payment gateways built or integrated for mada, cards, Apple Pay, STC Pay and SADAD, with tokenised, PCI DSS-aware architecture and 3-D Secure 2.
What you get
Higher approval rates and no card data in your systems.
Statements, payment files and reconciliation between Saudi banks and your ERP, plus open banking services built to SAMA's framework.
What you get
No re-keying, faster reconciliation and controlled payments.
AI-assisted reporting on governed finance data: drafted commentary, variance explanations, anomaly flags and plain-language questions, with source links and human approval.
What you get
Faster packs, explained numbers and judgement left to your team.
Financial systems face the strictest reviews. We design logging, access, encryption and resilience to the frameworks that govern Saudi finance.
What you get
Systems your auditors, your bank and your regulator can accept.
Financial AI reporting
Finance teams spend days assembling packs and explaining numbers. AI can draft the first version, but only when it works from governed data and a person stays accountable. That is how we build financial AI reporting.
Responsible by design
A person approves every published figure. Data stays where your policy says, including in-Kingdom hosting. Models are documented, monitored and assessed against the SAMA Cyber Security Framework, the PDPL and SDAIA's AI Ethics Principles.
How an engagement runs
Six stages, owned by one team. Enter at any stage; the handovers between them are the ones we remove.
We map your invoicing, accounting, payments and reporting chain, and the regulations that apply to each link.
Architecture, data flows, controls and the compliance approach, with options and trade-offs written down.
Integrations, gateways, configuration and reports, built by a dedicated team with logging and error handling from day one.
ZATCA simulation, provider and bank UAT, security testing and finance sign-off on real data.
A phased cut-over with monitoring, rollback plans and the team on call.
Managed support, regulatory updates and a backlog of improvements ranked by value.
Compliance map
Eight frameworks shape almost every project we deliver. This is what each governs and where it shows up.
| Framework | What it governs | Where it shows up in our work |
|---|---|---|
| E-invoicing: ZATCA, UAE and Oman | Invoice format, clearance or ASP reporting, archiving | e-Invoicing and accounting |
| VAT law and Zakat | Returns, records and tax data | Accounting |
| SAMA Law of Payments and Payment Services | Licensing and conduct of payment services | Payments |
| SAMA Open Banking Framework | Account information and payment initiation | Payments and banking integration |
| SAMA Cyber Security Framework and NCA controls | Cyber security for financial institutions and critical systems | All services |
| PCI DSS v4.0.1 | Card data security | Payments |
| PDPL and SDAIA AI Ethics Principles | Personal data protection and responsible AI | AI reporting and all services |
| IFRS as endorsed in Saudi Arabia | Financial reporting standards | Accounting and reporting |
Summary of the frameworks as we apply them. It is not legal advice; confirm requirements for your organisation with the relevant authority or your counsel.
Built for Saudi Arabia and the GCC
Regulation moves quickly in the Kingdom. We design for the version in force and track what is coming.
Wave 25 sets the threshold at SAR 187,500 with an integration date of 1 February 2027. We plan integrations against your wave, not after the notice.
The Law of Payments and Payment Services (Implementing Regulations, June 2023), the Open Banking Framework and the e-commerce payments interface shape what you can build and how.
PCI DSS v4.0.1 is the only valid version since 31 December 2024. Architectures that keep card data out of scope are cheaper to run and to certify.
Finance data is personal data. Storage, access, AI processing and transfers are designed around the PDPL and your sector's rules.
Invoices, statements and reports in Arabic and English, with Hijri and Gregorian dates and right-to-left layouts that print correctly.
A Riyadh-based team working in Arabic and English with your finance, IT and compliance staff.
Where we deliver
Riyadh · Jeddah · Dammam & Al Khobar · Madinah · the Eastern Province · Dubai & the UAE · Qatar · Kuwait · Bahrain · Oman
Clients
A selection of the financial institutions and public bodies we deliver for in Saudi Arabia.
SIMAH needed enterprise-wide e-invoicing in line with ZATCA requirements, against an urgent six-day deadline. GoAgile built and deployed a custom platform that went live on schedule.
Why GoAgile
Every handover between suppliers is a place where accountability disappears. We remove them.
Invoice, payment, ledger and report designed together, so the joins between systems are engineered, not discovered.
A Saudi credit bureau's e-invoicing went live in six days under an urgent deadline.
ZATCA, SAMA, PCI DSS, PDPL and NCA expectations designed into every project.
Financial AI reporting on governed data, with human approval and a full audit trail.
Financial-sector clients including Al Rajhi Bank and GIB, alongside SIMAH and public bodies.
Headquartered in Riyadh since 2012, with offices in Dubai and the USA and delivery across the GCC.
More from GoAgile
Most finance projects touch an ERP, a software integration or the infrastructure underneath. These are the places clients go next.
A short conversation with a finance technology specialist is usually enough to scope the right service, the right order of work and a realistic plan.
Talk to a finance technology specialistQuestions answered
Tell us where invoices, payments and the ledger meet in your business. We will respond with a clear next step.
One team for e-invoicing, accounting, payments and AI reporting, built to Saudi regulation.