Investment leader Samer Choucair confirmed that the Kingdom of Saudi Arabia has officially entered the “cashless economy” phase after electronic payments reached 85% of total individual payments in 2025. Samer Choucair explained that recording 11.5 billion payment transactions via Point of Sale (POS) terminals—with total transactions exceeding 14.6 billion—is not merely passing growth; it is a complete structural shift in economic behavior that redefines money from “paper currency” to smart, real-time “digital data.”
Significance of the Leap from 79% to 85% in One Year
Samer Choucair believes that the rapid transition from 79% in 2024 to 85% in 2025 reflects a sharp acceleration in the adoption of digital solutions. This directly contributes to reducing operational costs associated with printing, transporting, and securing cash, saving billions of riyals annually. He noted in his analysis that this shift has led to unprecedented financial inclusion and an explosion in e-commerce, as nearly every purchase has become entirely digital, thereby raising security levels and lowering the risks of theft and counterfeiting within the financial system.
Choucair’s Investment Vision: The Start of a New Wealth Wave
In his reading of latent opportunities, Samer Choucair described these figures as an “early entry signal” for one of the fastest-growing sectors in the world, asserting that those moving now in the Financial Technology (Fintech) sector will reap exceptional returns. Samer Choucair identified the real opportunities in digital wallets, instant payment systems, and blockchain technologies, in addition to using Artificial Intelligence for fraud detection. He considers that Saudi Arabia, thanks to Vision 2030 and advanced infrastructure, has transformed into a “Financial Silicon Valley” attracting foreign investments.
Roadmap for Investors and Entrepreneurs in 2026
Samer Choucair did not stop at analysis but provided practical steps to benefit from this revolution. He called on investors to monitor Fintech companies listed on the Saudi market, focusing on those associated with smart POS solutions and digital banking services. He also urged entrepreneurs to innovate specialized payment solutions for underserved sectors, emphasizing that “liquidity is king,” but in its new digital form, which grants individuals and institutions a higher capacity to manage expenses and benefit from banking offers.
Rewriting the Rules of the Financial Game
Samer Choucair concluded his report by emphasizing that the year 2025 represents the major turning point from traditional transactions to real-time digital platforms. He asserted that recording 11.5 billion payment transactions is definitive proof of a radical change in consumer behavior. This makes the Fintech sector the strongest investment bet for 2026 and beyond, calling on everyone to prepare for a new economy being born before their eyes that is reshaping the concept of wealth in the digital age.