Front Office · Middle Office · Back Office

The AI Command Centre

for Bank AlBilad

Nine AI agents spanning Front Office, Middle Office, and Back Office — automating the full banking value chain end-to-end, all SAMA-compliant, all data hosted in KSA.

↓ Explore FOMOBO
🛡 SAMA Compliant
🔒 PDPL Protected
NCA Certified
🇸🇦 Data Hosted in KSA
The FOMOBO Framework

Nine agents. Three offices.
One end-to-end process.

Each office has three dedicated AI agents. Together they automate the complete banking value chain — from customer acquisition to executive reporting.

🏪
FO
Front Office

Customer-facing automation — digital onboarding, Sharia-compliant lending, and 24/7 conversational AI that serve customers without branch visits.

👤
FO-01Online
Customer Onboarding
8 min
was 3 days
🏦
FO-02Online
Sharia Lending
4 min
decision time
💬
FO-03Online
Conversational AI
85%
query containment
MO
Middle Office

Risk, compliance, and regulatory intelligence — automated KYC/AML screening, real-time fraud detection, and zero-error SAMA reporting.

🔍
MO-01Online
KYC / AML
70%
faster screening
🛡
MO-02Online
Fraud & Risk
<200ms
fraud decision
📋
MO-03Online
Reg Reporting
0 errors
SAMA submissions
BO
Back Office

Operational efficiency at scale — intelligent document processing, process automation, and real-time savings tracking for the SEC committee.

📄
BO-01Online
Document AI
95%
extraction accuracy
BO-02Online
Process Automation
89
opportunities found
📊
BO-03Online
SEC Tracker
SAR 12.4M
savings tracked
End-to-End Customer Journey

From app open to account funded
in under 4 minutes

All 9 agents work in sequence and parallel — delivering a seamless, fully automated banking experience.

1
FO-010:00
Customer opens BAB app — no branch visit
2
FO-010:45
Nafath biometric ID verified digitally
3
FO-022:00
Financing application submitted via app
4
MO-012:10
KYC / AML check runs in parallel
5
MO-022:12
Fraud & credit risk scored by AI
6
FO-024:00
AI approves — Sharia offer letter issued
7
FO-034:01
Customer notified via WhatsApp instantly
8
BO-014:05
Documents archived (PDPL-compliant)
9
MO-034:06
SAMA report auto-updated — zero manual effort
Business Impact

Numbers that matter to leadership

Verified business outcomes from the FOMOBO programme — commitments to the SEC committee, not projections.

SAR 12.4M
Projected Annual Savings
Finance-verified across all 9 agents
4 Minutes
Lending Decision Time
Down from 3–5 business days
70% Faster
KYC / AML Screening
End-to-end automated compliance
9 Agents
Fully Automated
Front, Middle, and Back Office
Ready to explore?

See all 9 agents in action

Walk through each AI agent's workflow — from customer onboarding to SEC reporting — exactly as it would work in production.

· No login required· Demo data only· All data hosted in KSA