Madkhol Financial Launches «Ratibi+» to Boost Savings and Job Stability in Saudi Arabia

Cairo, September 17, 2025:

Madkhol Financial, a CMA-licensed platform specializing in robo-advisory investment solutions, announced the launch of its new program “Ratibi+” during its participation at Money 20/20. The initiative combines savings with investment to enhance employee loyalty and build workplace stability.

How «Madkhol» Ratibi+ Works

The “Ratibi+” program is based on an investment partnership between employees and employers. A portion of the employee’s salary is automatically invested in a managed portfolio. Meanwhile, the company provides a matching contribution linked to a vesting period defined by its policies. This dual approach helps employees secure additional retirement income while offering companies an effective tool to boost loyalty and minimize turnover.

Statement from «Madkhol» Leadership

Saad Al-Atiyan, Co-Founder and CEO of «Madkhol», emphasized:
“Ratibi+ is more than a savings plan; it is a true partnership between companies and their employees. By linking salaries to smart investment, we create value for both sides. This program will strengthen workplace stability and encourage a culture of saving and investing aligned with Saudi Vision 2030.”

Importance for Saudi Market

Employee turnover in some Saudi sectors exceeds 30% annually, which increases recruitment and training costs. In parallel, the national savings rate remains at 6% of household income, far below the global average of 20%. With these challenges in mind, “Ratibi+” introduces a practical solution. It promotes long-term investment behavior among employees and enables companies to retain top talent, directly supporting the goals of Saudi Vision 2030.

About «Madkhol»

Founded in 2022, «Madkhol» became the first integrated robo-advisory platform in the Middle East providing smart money management solutions. In a short time, the company ranked among the top five robo-advisory platforms in Saudi fintech. Its growth is driven by rising assets under management and a fast-expanding user base that includes thousands of individuals and companies across the Kingdom.

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