Digital Leadership Raya Financing's pioneering online service platform through their website and application offers a seamless digital experience, presenting opportunities to cross-sell additional digital financial products or premium services to tech-savvy customers.

Market Penetration With operations spanning across the entire Kingdom of Saudi Arabia and a focus on diverse vehicle financing options, there is potential to expand product offerings or initiate regional marketing campaigns to attract untapped customer segments.

Customer Engagement Multiple customer touch points and a comprehensive retail funding portfolio suggest opportunities for loyalty programs, personalized financing solutions, or targeted promotions to increase customer retention and lifetime value.

Technology Utilization Utilization of advanced analytics and tracking tools like Google Analytics and Tag Manager indicates a data-driven approach, enabling targeted outreach and tailored product recommendations based on customer behavior insights.

Financial Growth With revenue between $10 million and $25 million and a focus on auto financing, there are opportunities to introduce complementary financial products such as insurance or leasing services aimed at existing customers to boost revenue streams.