Pricing

Human vs. AI workforce - GCC & Middle East lenders

Benchmarks assume USD-denominated planning (common for regional HQs in UAE and KSA) and loaded compensation bands that reflect expat-local mixes in hubs like Dubai, Riyadh, and Doha. Figures are illustrative-not a quote. Metering for agents and LLMs follows transparent patterns comparable to other enterprise agent platforms.

Illustrative savings band

~62-90%

Typical reduction in modeled variable labor when acquisition, credit operations, early arrears, and back-office workflows are automated-while keeping Sharia and local conduct requirements in the human-approved design.

Faster onboarding journeys without linear headcount adds

Retail, SME, and corporate onboarding still involve document collection, KYC/KYB, and CRM discipline. Agents accelerate straight-through steps; RMs and relationship directors stay on complex structures and exceptions.

Typical human benchmark (GCC)

Relationship and sales-support roles in UAE/KSA often show higher loaded costs than global averages-commonly $45K-$120K+ equivalent annual packages depending on expat share, grade, and housing allowances.
Meaningful opportunity progression still consumes 25-50+ minutes of human time once KYC/KYB and suitability steps are included.
Multi-country footprint duplicates policy training and conduct monitoring.

CBUAE, SAMA, and QCB all emphasize fair treatment, AML, and documentation discipline-automation must embed those controls by design.

AI workforce + LendingIQ (illustrative)

Arabic/English journeys with immutable logs, consent capture, and LOS/core integration.
Platform fee + metered workflows; LLM and messaging at contracted rates (often USD).
Human gates for high-value corporate or complex Sharia structures.

Many GCC teams model USD per completed onboarding pack or per qualified SME file.

Example: retail / SME acquisition factory

~2,200 qualified conversations/month; ~3.5 FTE of mixed RM-support capacity.

Modeled human run-rate

~$42K-$58K/mo loaded labor (illustrative model)

Modeled AI + LendingIQ

~$7K-$16K/mo LendingIQ + LLM usage for comparable throughput (illustrative)

Typical savings vs model

Often ~68-86% vs. modeled human run-rate at this volume

How to read these numbers

All figures are illustrative USD planning models for GCC contexts-not a binding quote. Expat packages, housing, and school allowances move loaded cost materially.
Sharia and conventional windows may require separate agent configurations-scoped separately in commercial proposals.
We align models to your entities, languages, and core systems in an AI audit.

Reference

Central Bank of the UAE

Want numbers tied to your LOS, channels, and SLAs- We’ll calibrate human baselines and agent throughput in a short working session.

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