Atmaal

What Atmaal does

Atmaal is a Saudi Arabian Business Process Outsourcing (BPO) company headquartered in Riyadh that delivers three interconnected service lines — Automation & Technology (AI-driven automation and RPA), Financial Operations (payment processing, compliance), and Business Solutions (workforce management, customer service) — under the branded sub-divisions AT, Maal, and Aamaal. The company operates at material scale, claiming 8,000+ trained professionals, 15,000 daily request processing capacity, 22 million calls handled yearly, and 500 million+ transactions processed annually, serving enterprise clients in financial services (ARB, ARC, Tuder), insurance (Takaful), technology (Neoleap, Neotek), and business services (Emkan, Darahim).

The underlying technology stack is described as AI-driven automation and Robotic Process Automation (RPA) applied to repetitive workflow and financial operations tasks; no proprietary models, patents, or technical research artifacts are disclosed. Atmaal applies a proprietary "Alignment, Streamlining, Expansion" methodology for client onboarding and scaling. The company maintains both English and Arabic web properties (atmaal.sa) and a dedicated careers portal (careers.atmaal.sa), and has appointed a Data Protection Officer consistent with KSA Personal Data Protection Law requirements.

Atmaal's go-to-market is sales-led, targeting enterprise and financial institution clients through direct engagement; revenue is generated via managed-service contracts (no pricing disclosed publicly). The company is privately held with no disclosed ownership, parent entity, subsidiaries, funding rounds, or revenue figures. Customer concentration is concentrated in a small set of named Saudi enterprise logos, and geographic operations are scoped to Saudi Arabia / the Middle East with no claimed global footprint.

Name

Atmaal

Legal name

Atmaal

Website

https://atmaal.sa

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Atmaal is a Saudi Arabian BPO company in Riyadh operating three sub-brands — AT (Automation & Tech), Maal (Operations), and Aamaal (Business Solutions) — with 8,000+ trained professionals delivering AI-driven automation, financial operations, and business process outsourcing to enterprise clients in financial services, insurance, and technology.

Ownership category

akta.pro rank

Product category

Business Process Outsourcing Services

NAICS

Telemarketing Bureaus and Other Contact Centers (561422), Telephone Call Centers (56142), Office Administrative Services (561110), Office Administrative Services (56111)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Help Supply Services (7363)

akta.pro primary industry

Business Process-Aligned IT Outsourcing (ITO + BPO Integrated) (BPAEAMAJ)

akta.pro secondary industries

General Customer Service (Order/Account/Inquiries) (BPAAABAA), Billing & Revenue Operations (Subscription/Usage Billing, Rating, Order-to-Cash Support) (BPAAAGAD), iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG)

Keywords

• Business process outsourcing
• Robotic process automation
• Financial operations services
• AI workflow automation
• BPO services

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. BPO Services - Automation: AI-driven automation services that streamline business workflows, reduce manual tasks, and boost productivity through RPA and intelligent systems. Revenue generated through service contracts with enterprise clients.
2. Financial Operations Services: Financial services including payment processing, compliance management, and overall financial operations enhancement. Revenue generated through service contracts with enterprise clients requiring precision in financial management.
3. Business Solutions Services: Comprehensive business solutions including workforce management, customer service optimization, and organizational efficiency improvements. Revenue generated through tailored service engagements with business clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Atmaal is a Saudi Arabia-based Business Process Outsourcing (BPO) company that delivers three interconnected service lines to enterprise clients: Automation & Technology Services (AI-driven workflow automation using RPA), Financial Operations Services (payment processing and compliance management), and Business Solutions Services (workforce management, customer service optimization, and organizational efficiency). The company operates through three internal divisions — AT (Automation & Tech), Maal (Operations), and Aamaal (Business Solutions) — supported by 8,000+ trained professionals processing more than 500 million transactions and 22 million calls annually.

Product overview

Atmaal is a Business Process Outsourcing (BPO) company offering a unified portfolio of three interconnected service lines: Automation & Technology Services (AI-driven automation and RPA), Financial Operations Services (payment processing and compliance), and Business Solutions Services (workforce management and customer service). The three divisions—labeled AT (Automation & Tech), Maal (Operations), and Aamaal (Business Solutions)—work together to deliver end-to-end operational excellence, combining intelligent technologies with trained human expertise to process over 500 million transactions annually and handle 22 million calls per year across a network of 8,000 trained professionals.

Differentiator

Problem solved

Functional benefit

Brands

• AT (Automation & Tech): Automation and technology division focused on RPA and AI-driven systems
• Maal (Operations)
• Aamaal (Business Solutions)

Products and services

• Automation & Technology Services (AT)
• Financial Operations Services (Maal)
• Business Solutions Services (Aamaal)

Quantifiable outcome

• 15,000 requests processed daily
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators10 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Sakhr Software: A Middle East-based AI and automation company focused on Arabic-language processing and enterprise automation, comparable to Atmaal's automation and AI-driven service line within the same regional market.

Broad incumbents

• Wipro: A global IT and business process services provider with a presence in the Middle East, competing for enterprise outsourcing and automation contracts similar to those Atmaal targets.
• Tata Consultancy Services (TCS): A global IT services and BPO leader with a strong Middle East presence, offering automation-led business process services that overlap with Atmaal's AT division for enterprise clients.
• Teleperformance: The world's largest customer experience and BPO operator with a major Middle East presence, serving enterprise clients with contact center and digital process services at much larger scale than Atmaal.
• Concentrix: A global CX, BPO, and digital services company with operations in the Middle East, competing for the same enterprise customer experience and process outsourcing contracts as Atmaal.
• Cognizant: A global IT services and digital BPO provider with significant Middle East operations, competing for enterprise process outsourcing and intelligent automation mandates similar to Atmaal's offering.
• Foundever: A major global CX and BPO company (formerly Sitel and SYKES) serving enterprise clients across multiple verticals, comparable to Atmaal in its enterprise-focused outsourcing model.

Direct peers

• Raqmiyat: A UAE-based IT and business process services company offering managed services, application support, and BPO across the Middle East, comparable to Atmaal's combination of IT services and process outsourcing for enterprise clients.
• ibex: A global provider of business process outsourcing and customer engagement services with growing Middle East operations, offering an end-to-end BPO stack similar to Atmaal's three-division model.
• TAS (Tasheel Al Mawarid): A leading Saudi-based business services and HR solutions provider that delivers outsourced workforce, payroll, and business support services to enterprise and government clients in KSA, directly comparable to Atmaal's BPO and operations offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/atmaalksa
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/atmaal

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atmaal