Robo-advisory platforms are expanding quickly in the Middle East, changing how people invest their money. These are digital tools that use algorithms and technology to help users manage investments automatically. Because they are easier and cheaper to use than traditional wealth management services, more everyday investors are joining. Regulators in the region are also encouraging these services to boost financial inclusion and innovation.
What robo-advisory platforms do
Robo-advisory platforms use computer programs to build and manage investment portfolios based on how much risk an investor wants to take and what their financial goals are. Users fill in a simple questionnaire, and the platform designs a diversified investment strategy. Once the account is set up, the system automatically buys, sells, and rebalances assets without the user needing deep financial knowledge.
These services aim to make investing affordable and accessible to people who may not have large sums of money or access to traditional financial advisors.
Saudi Arabia is leading fintech growth
In Saudi Arabia, robo-advisory services are gaining notable traction. Derayah Financial, a licensed investment firm, launched Derayah Smart in July 2025. This automated platform lets people start investing with a small initial amount, currently SAR 500, using digital payment methods like Apple Pay or bank transfer. Users receive personalized portfolio suggestions based on their goals and risk tolerance. Derayah Smart is regulated by the Capital Market Authority (CMA) of Saudi Arabia, ensuring investor protection and compliance with local rules.
According to CMA data, the total number of investment portfolios managed through robo-advisory services in Saudi Arabia exceeded 500,000 by the third quarter of 2025, and assets under management were more than SAR 5.4 billion. This growth reflects strong demand for algorithm-based investing among retail clients.
Another Saudi player, Abyan Capital, has also gained attention. Founded in 2021, the platform offers Shariah-compliant robo-advisory services. Abyan raised $18 million in a Series A funding round, led by regional investors, to expand its services. The startup lets users open accounts quickly and receive automated portfolio recommendations based on their preferences.
UAE expands digital investment tools
In the United Arab Emirates, Sarwa has been one of the early entrants in the robo-advisory space. Founded in Abu Dhabi in 2017, Sarwa uses technology to help investors build diversified portfolios at lower costs than traditional wealth managers. The platform has grown under regulatory frameworks in the UAE and has also received permits to expand into Saudi Arabia. This allows Sarwa to introduce its services, including tailored portfolios and automated investing tools, to both Saudi and UAE investors.
Sarwa’s model focuses on low-cost access to global markets and automated advice. It has also added features such as trading options for stocks and other assets to serve a broader range of investors.
Robo-advisory fuels financial inclusion
Robo-advisory platforms are helping to lower barriers to investing in the Middle East. By offering simple digital onboarding, lower fees, and automated portfolio management, these services encourage more people to participate in financial markets. Regulators in the UAE and Saudi Arabia are adapting rules to support these innovations, making it easier for financiers and startups to offer automated advice.
As demand for digital financial services grows among young and tech-savvy populations, robo-advisory platforms will likely continue to play a key role in shaping the future of investment and wealth management across the region.
