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º£½ÇÖ±²¥â€™s digital government push driving top-10 ranking ambition: KPMG

º£½ÇÖ±²¥â€™s digital government push driving top-10 ranking ambition: KPMG
º£½ÇÖ±²¥â€™s digital strategy is designed to meet growing expectations for seamless and intuitive government services. Shutterstock
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Updated 26 August 2025

º£½ÇÖ±²¥â€™s digital government push driving top-10 ranking ambition: KPMG

º£½ÇÖ±²¥â€™s digital government push driving top-10 ranking ambition: KPMG

RIYADH: º£½ÇÖ±²¥ is fast-tracking the unification of its government platforms, with 267 already merged as the Kingdom seeks a top-10 global ranking by 2030, according to KPMG Middle East.

The firm’s latest report, “From Citizen Experience to Empowermentâ€,  sets out how the Kingdom is poised to integrate its fragmented digital services into a singular ecosystem, capitalizing on its advanced infrastructure, centralized governance, and digitally native population.

The move builds on the Kingdom’s Digital Government Strategy 2023–2030, which seeks to consolidate more than 800 separate platforms into a coherent, citizen-centric ecosystem. 

In its report, KPMG stated: “º£½ÇÖ±²¥ has the opportunity to enter this transformation with strategic advantages: strong leadership commitment under Vision 2030, streamlined governance, advanced digital infrastructure, and a digitally native population.â€Â 

This transformation leverages artificial intelligence, blockchain, predictive analytics, and Internet of Things technologies.  

In July, the Digital Government Authority announced the integration and closure of 267 digital platforms across various sectors as part of ongoing efforts to improve efficiency and user experiences. 

DGA also reported that the 2025 Digital Experience Maturity Index reached 86.71 percent, classified as “Advanced,†following an assessment of 50 digital platforms across 20 themes.

The report outlines how º£½ÇÖ±²¥â€™s digital strategy is designed to meet growing expectations for seamless and intuitive government services.  

It draws upon the success of platforms like Absher, Tawakkalna, and Musaned, which serve millions of users.  

Absher alone supports over 28 million citizens with a unified digital ID and offers more than 500 services.  

Tawakkalna, initially a health-tracking application, now provides access to over 600 government services in real-time. 

Despite progress, KPMG highlights the challenges associated with service duplication and inconsistent user experiences due to platform fragmentation. 

To address this, DGA launched the Whole-of-Government program in 2022, focusing on unifying service design, platform governance, and shared IT resources. 

The program has reduced government platforms from 817 at launch to 550 by mid-2025. It aims to optimize resources, deliver more effective digital services, and enhance beneficiary satisfaction. 

“The unified design system provides standardized guidelines to ensure consistency across government platforms,†the report noted. 

º£½ÇÖ±²¥â€™s commitment to digital transformation is reflected in global benchmarks. 

The Kingdom rose 25 positions in the latest UN E-Government Development Index and now ranks fourth globally in the Digital Services Index.  

A unified digital government in º£½ÇÖ±²¥ will depend on several key enablers: strong governance, workforce upskilling, strategic leadership alignment, and proactive citizen engagement.  

KPMG recommended a national chief information officer council to coordinate integration and enforce compliance across entities.  

“Achieving platform unification requires a multi-tiered governance framework, with strong leadership at the central government level,†the report stated. 

The roadmap includes establishing a national digital identity for secure single sign-on access and deploying standardized APIs for data interoperability.  

AI-driven personalization will be central to delivering tailored services. Blockchain will be used for secure identity verification and transparent records, while IoT will enhance real-time responsiveness. 

The initiative also places significant emphasis on inclusivity and accessibility. Services will be adapted for citizens, expatriates, domestic workers, and international visitors.  

Multiple languages, adaptive technologies, and simplified user flows will ensure equitable access regardless of digital literacy levels. 

To support the transformation, public sector employees will undergo training in AI, customer experience methodologies, cybersecurity, and digital service design.  

A cultural shift toward collaboration, innovation, and continuous improvement will be promoted through change management programs and co-design initiatives with citizens. 

The final stage envisions a predictive and anticipatory governance model, where services are delivered before citizens request them.  

Real-time dashboards, continuous feedback, and AI-powered decision-making will reinforce agility and responsiveness.  

As dependency on digital systems increases, cybersecurity resilience and decentralized infrastructure will become vital. 

Through a phased, integrated approach, º£½ÇÖ±²¥ is charting a path toward a resilient, inclusive, and globally competitive digital government. 

“This comprehensive and integrated approach fully aligns with Vision 2030, positioning the Kingdom as a global benchmark in next-generation digital governance,†the report concluded.


GCC insurance outlook stable on growth, diversification gains: Moody’s 

GCC insurance outlook stable on growth, diversification gains: Moody’s 
Updated 5 sec ago

GCC insurance outlook stable on growth, diversification gains: Moody’s 

GCC insurance outlook stable on growth, diversification gains: Moody’s 

RIYADH: The Gulf Cooperation Council’s insurance sector is expected to remain stable over the next 12 to 18 months, supported by strong economic growth and rising non-oil investments, according to Moody’s Ratings. 

In its latest GCC Insurance Outlook, Moody’s said economic diversification and compulsory insurance schemes are expected to underpin the sector’s growth. 

The region’s non-life segment, which represents more than 80 percent of premium revenues, will benefit from government-backed infrastructure and diversification projects, particularly in º£½ÇÖ±²¥ and the UAE, which together generate 80 percent of the GCC’s total insurance premiums. 

S&P Global Ratings has similarly projected sustained expansion for the Gulf’s insurance industry, particularly within the Islamic segment, which it expects to grow by around 10 percent annually in 2025 and 2026. 

In its latest report, Moody’s stated: “The industry will also benefit from the spread of compulsory insurance and rising demand for health and life cover.†

It added: “Larger insurers will continue to outperform smaller ones, which will struggle to remain profitable because of intense price competition, rising claims, and high technology and regulatory costs.†

Moody’s forecasted real gross domestic product growth of around 4 percent for 2026, led by the UAE and º£½ÇÖ±²¥, with additional contributions from Kuwait, Oman, and Qatar. 

Expansion in construction, tourism, and manufacturing is expected to increase demand for property, liability, health, and specialty insurance, while greater consumer awareness and reduced subsidies in utilities and education are expected to boost demand for life and savings policies. 

According to the report, “Profitability is improving overall,†with non-life insurance prices rising in 2025, particularly in the UAE, where insurers raised premiums following heavy storm-related claims in 2024. 

Moody’s said the sector should post “positive underwriting profit for the remainder of 2025 and into 2026.†

However, the agency noted that large insurers will capture most of the profitability gains next year due to economies of scale, while smaller peers “will struggle to make an underwriting profit amid intense competitive pressure.†

Increased reinsurance prices, regulatory expenses, and technology investments are squeezing margins for smaller firms, and the dominance of insurance aggregators is further driving competition based on price. 

Moody’s also cautioned that GCC insurers’ high exposure to equities and real estate raises asset risks, particularly amid geopolitical uncertainty in the Middle East. 

“This increases the sector’s investment risk and magnifies its exposure to downside scenarios related to geopolitical tension,†the report said. 

Saudi insurers face additional strain on capital buffers due to slower profit growth and higher risk exposures, while UAE insurers have benefited from stronger profitability and price adjustments. 

Regulators across the GCC are tightening capital and risk requirements, which Moody’s expects will accelerate consolidation— especially in º£½ÇÖ±²¥, where authorities have taken a more assertive stance on compliance. 

The agency added that while the sector’s outlook remains stable, market dynamics are shifting toward larger, better-capitalized players. Consolidation, it added, will ultimately “support the sector’s credit strength over time.â€