Press Release

Saudi Arabia Islamic Finance Market to be Dominated by Islamic Banking through 2027

The growing FinTech industry and presence of tech-savvy youth population are driving the growth of Saudi Arabia Islamic Finance Market in the forecast period, 2022-2027.

According to TechSci Research report, Saudi Arabia Islamic Finance Market By Financial Sector (Islamic Banking, Islamic Insurance, Sukuk Outstanding, Others), By Region, Competition Forecast & Opportunities, 2027, the Saudi Arabia Islamic Finance market is expected to witness a growth of double-digit CAGR during the forecast period, 2022-2027. Rising government Sukuk insurance and full support by the leading authorities to boost foreign investment in the country by providing easy entry rules and strengthening capital markets are the major market driving factors in the forecast period. Strong investments for the development of the Halal sector and infrastructure and Sukuk bonds through the electronic modes in all products and services contribute to the market growth. The easy entry of market players in the region and encouraging the financial institutions to finance the small and medium-sized enterprises are driving the country towards cashless payments. Leading authorities are incentivizing the merchants and citizens to adopt the e-payment solutions and ensuring vehicle and health insurance enforcement to the consumers.

The high demand for digital banking services ensures higher transparency in financial transactions. The replacement of the conventional banking services in various sectors such as banking, social commerce, electronic commerce, wealth management, and others is expected to boost the growth of the Saudi Arabia Islamic Finance market in the next five years. The increase in the mergers and acquisitions in the insurance industry in order to boost its scale and solvency is expected to influence the market demand. The rise in the initiatives taken by the leading authorities to promote financial literacy and planning among the citizens of the country and making available the products and services at affordable rates to increase the saving of the consumers is expected to contribute to the market growth. High internet penetration and the rise in the use of smart devices is creating the viewership of online platforms. An increase in the disposable income of the consumers is enabling them to invest in quality products which in turn is strengthening the economic structure of the country. The growth of the E-Commerce industry in the country is expected to promote the use of cashless payments. Consumers prefer to buy through online sales platforms due to the presence of lucrative discounts and quick delivery, which is expected to accelerate the demand for online banking services.


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The Saudi Arabia Islamic Finance market is segmented on the basis of financial sector, competitional landscape, and regional distribution. On the basis of the financial sector, the Saudi Arabia Islamic Finance market is divided into Islamic banking, Islamic insurance, Sukuk outstanding, and others. The Islamic banking segment is expected to hold the largest market share of the Saudi Arabia Islamic Finance market in the forecast period, 2022-2027. The Kingdom of Saudi Arabia is home to full-fledged Islamic banks and eight Islamic windows in all the traditional banks. Islamic banks are supported by an array of wholesale, commercial, and other types of banks. Saudi Arabia boasts of one of the largest Sharīʿah-compliant development banks in the world and has the only AAA-rated Islamic bank known as the Islamic Development Bank. Consumers prefer to take financial services from Islamic banks as they have higher moral standards. Islamic banks do not take high risks or pay outsize bonuses to their top bankers and are highly responsible towards their customers. The earnings in Islamic banks come from identifiable assets and not from unknown sources, which makes them highly reliable for banking. Islamic banks cannot make money from the interest, which is the main reason they use real estate and equity and charge ‘rent’ instead of making interest.


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“Digitization of Islamic products and services to enhance the consumer experience and convenience by offering digital banking services and the adoption of advanced technologies by the Islamic Banks is expected to create lucrative opportunities for market growth. Market players are launching Islamic Robo-advisors that use artificial intelligence technology for determining optimal investments satisfying the Shariah compliance to increase the access of the Islamic Banks. The banks are also using blockchain technology to assist with payments and remittances and assist the customers to avail banking services from the comfort of their homes. Ongoing technological advancements and the growing penetration of internet services to boost access to banking services is expected to propel the Saudi Arabia Islamic Finance market growth till 2027” said Mr. Karan Chechi, Research Director with TechSci Research, a research based global management consulting firm.


Saudi Arabia Islamic Finance Market By Financial Sector (Islamic Banking, Islamic Insurance, Sukuk Outstanding, Others), By Region, Competition Forecast & Opportunities, 2027”, has evaluated the future growth potential of Saudi Arabia Islamic Finance market and provides statistics & information on market size, structure and future market growth. The report intends to provide cutting-edge market intelligence and help decision makers take sound investment decisions. Besides, the report also identifies and analyzes the emerging trends along with essential drivers, challenges, and opportunities in Saudi Arabia Islamic Finance market.


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