Case Study

Changing the way Saudi Arabia saves – DYTE makes good habits rewarding.

DYTE set out to transform personal finance in Saudi Arabia – moving beyond apps that simply track spending to a platform that educates, motivates, and rewards better behaviour.

CLIENT & BACKGROUND

Dyte is a prominent financial management application in the United Arab Emirates, offering a comprehensive suite of tools for users to manage their finances effectively. With a growing user base and increasing transaction volumes, Dyte faced challenges in scaling its financial operations and maintaining accuracy.

CHALLENGE

Dyte’s fundamental mission is to make better financial health accessible to everyone through smart technology, education, and user empowerment.

How we made it happen

Open banking, open potential

Seamlessly integrated with Saudi’s open banking APIs to provide real-time financial data and intelligent nudges.

Bilingual. Bidirectional. Brilliant.

Built with dual-language support and RTL/LTR layouts for a frictionless Arabic and English experience.

Smarter habits, tangible rewards

Users hit personalised financial targets through AI-curated education and are rewarded for staying on track.

SOLUTION

We delivered the complete full-stack solution, combining secure open banking integrations with a modern bilingual and bidirectional user experience. The platform connected financial data in real time, using AI to personalise content, surface relevant insights, monitor transactions, and support smarter financial decisions. We also built the supporting backend services, data workflows, authentication, and integration layer to ensure reliable communication between banking providers and the application. The result was a scalable, intelligent financial platform designed around real-time data, personalised experiences, and seamless user interactions across languages and channels.

 

Key deliverables included:

  • Goal-based financial guidance
  • Real-time financial insights
  • Embedded financial education
  • Structured, adaptive user journey

IMPLEMENTATION

Open Banking Enabled via SAMA Sandbox
Dyte’s functionality in Saudi Arabia is powered by the Saudi Central Bank (SAMA) Open Banking Sandbox, ensuring secure, regulated data access across the Kingdom’s banks and full compliance with local standards.

Aligned with SAMA Cybersecurity Framework
The platform is built to adhere to the SAMA Cybersecurity Framework, guaranteeing data protection, system integrity, and regulatory readiness as the product transitions from the sandbox to a full production environment.

RESULTS & IMPACT

Dyte will be operated by a newly registered company in the Kingdom of Saudi Arabia (KSA), currently being established to ensure full compliance with local commercial, data, and regulatory requirements.

 

Key measurable outcomes include:

  1. Open Banking Compliance
  2. PII Abstraction & Identity Management
  3. Security & Cyber security Alignment
  4. Architecture & Infrastructure
  5. Built for the Future

 

Dyte has been developed with a strong emphasis on regulatory compliance, data security, and scalable architecture. The application is fully aligned with the SAMA Open Banking Framework and SAMA Cybersecurity Framework, and is built for future expansion both within and beyond KSA.

OTP codes

For identity verification and account security

Verify your mobile number

  • A simple, intuitive screen to input the 4-digit OTP sent via SMS. Users can also edit their number or request a resend if needed.

What we’ve built

Goal-based financial guidance

Users define their financial goals (e.g., saving, reducing debt, budgeting), and Dyte provides personalised, actionable insights and reminders to help them succeed.

Real-time financial insights

A user-friendly dashboard provides an immediate, clear view of income, expenses, recurring payments, and potential savings.

Embedded financial insights

The app builds financial literacy by integrating contextual, bite-sized educational content directly into the daily money management experience.

Structured, adaptive user journey

Dyte offers a personalised and intelligent journey from the moment a user onboards, adapting to their evolving behaviors and needs over time.

Our work in action

At Atomise, we build with the bold. Startups chasing speed, SMEs scaling smart, and enterprises transforming at scale—we’re their go-to partner for turning vision into velocity. Our work is fast, focused, and fearless. If you’re ready to move, we’re already running.

Outcome:Ongoing delivery and platform support in live, regulated environments.

Problem solved

From manual document processing to sovereign agentic AI
Outcome:An AI-powered platform that automates document processing with AI agents.

Problem solved

User-friendly digital platform showcasing the full potential of JOYN.
Outcome:A polished, intuitive experience that showcases JOYN’s full potential.

Download request successful!

Thank you for requesting to download our Free SME-Systems-Health-Checklist
You will receive an email link to download the PDF, we hope you find it useful.

For further help or guidance please email us to arrange a call sme-checklist@atomise.com