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Recently, many financial applications have spread: such as Mala'ah, Tamra and Dirhams, which make it easier for the user to analyze expenses, save and invest. How do these platforms work? And how do they withdraw customers' expenses from their bank account and invest them in several investment funds? Our guest in this episode is Ali Al-Arini, founder and CEO of Mala'ah. What are the details of the company's establishment? And how do they work to automate expenses and investment? What is their experience in dealing with legislators? What are the challenges they face? What about the difference in approach between them and competitors? For example, Dirhams was acquired by Al Rajhi Bank, while Mala'ah was invested in by Al-Ahli Capital. Why do they prefer investment over acquisition? - Download the "Radio Thmanyah" application. https://thmanyah.link/radio-swalif Mac Ease from the first moment, get a MacBook Pro and MacBook Air from "Alef" with a 10% discount for students! https://thmanyah.link/Alephv • «BSF» Innovative solutions for all your financial needs: https://thmanyah.link/BSF • Cooperative's facility insurance platform #Tsheel_Al-Layla_Platform https://thmanyah.co/ixv • Your coffee project? Don't worry about training the team, choosing coffee equipment, and providing coffee. "Khatwat Jamal" is your partner in success in building and operating your project. Visit our website, start with a step: https://thmanyah.link/ti4 and share your experience with us through our interactive platforms. Episode topics: (00:00) The beginning (02:54) Iceland trip (06:55) The idea of Mala'a (16:12) The beginning of Mala'a and building the application (36:17) Open banking models and linking with banks (44:02) Data analysis (48:07) How automated platforms invest your money (1:06:13) Revenues and fees (1:16:32) Customer acquisition (1:21:51) Al-Ahli's investment in Mala'a (1:35:42) Operational challenges and problems (1:47:54) Future direction (1:50:33) If you could go back in time, what would you change? Links: Ali Al-Oraini's LinkedIn account / ali-alorainy-70a044115 Mashhour Al-Dubayan's newsletter and his social media accounts. http://dubayan.com/ 8 on Radio 8: https://thmanyah.link/i0qw 8 website: https://thmanyah.link/fa44da 8 radio: https://thmanyah.link/af2741 8 on Twitter: /thmanyah 8 on Instagram: /thmanyah 8 on TikTok: /thmanyah 8 on Facebook: /thmanyah