{"id":11031,"date":"2026-01-06T04:23:12","date_gmt":"2026-01-06T04:23:12","guid":{"rendered":"https:\/\/balinca.com\/?p=11031"},"modified":"2026-02-12T03:31:34","modified_gmt":"2026-02-12T03:31:34","slug":"%d9%83%d9%8a%d9%81-%d9%8a%d8%b9%d9%8a%d8%af-%d8%a7%d9%84%d8%b0%d9%83%d8%a7%d8%a1-%d8%a7%d9%84%d8%a7%d8%b5%d8%b7%d9%86%d8%a7%d8%b9%d9%8a-%d9%88%d8%a7%d9%84%d8%ab%d9%82%d8%a7%d9%81%d8%a9-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/balinca.com\/ar\/%d9%83%d9%8a%d9%81-%d9%8a%d8%b9%d9%8a%d8%af-%d8%a7%d9%84%d8%b0%d9%83%d8%a7%d8%a1-%d8%a7%d9%84%d8%a7%d8%b5%d8%b7%d9%86%d8%a7%d8%b9%d9%8a-%d9%88%d8%a7%d9%84%d8%ab%d9%82%d8%a7%d9%81%d8%a9-%d8%a7%d9%84\/","title":{"rendered":"\u0643\u064a\u0641 \u064a\u0639\u064a\u062f \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u0634\u0643\u064a\u0644 \u0627\u0644\u0642\u0648\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629"},"content":{"rendered":"\n

As Vision 2030 drives economic diversification, experts emphasize that the Kingdom\u2019s most valuable asset is not just technology\u2014but people capable of navigating both money and machines with confidence.

For Shereen Tawfiq, co-founder and CEO of Balinca, financial literacy is far from a soft skill. It is a cornerstone of national growth. Her company trains individuals and organizations through gamified simulations that teach financial logic, risk assessment, and strategic decision-making\u2014skills she calls \u201cthe true language of empowerment.\u201d<\/p>\n\n\n\n

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\u201cOur projection builds on the untapped potential of Saudi women as entrepreneurs and investors,\u201d she said. \u201cIf even 10\u201315 percent of women-led SMEs evolve into growth ventures over the next five years, this could inject $50\u2013$70 billion into GDP through new job creation, capital flows, and innovation.\u201d<\/p>\n\n\n\n

Tawfiq, one of the first Saudi women to work in banking and later an adviser to the Ministry of Economy and Planning on private sector development, helped design early frameworks for the Kingdom\u2019s venture-capital ecosystem\u2014a transformation she describes as \u201ca national case study in ambition.\u201d<\/p>\n\n\n\n

\u201cBack in 2015, I proposed a 15-year roadmap to build the PE and VC market,\u201d she recalled. \u201cThe minister told me, \u2018you\u2019re not ambitious enough, make it happen in five.\u2019\u201d Within years, Saudi Arabia had a thriving investment ecosystem supporting startups and non-oil growth.<\/p>\n\n\n\n

At Balinca, Tawfiq replaces theory with immersion. Participants make business decisions in interactive simulations and immediately see their financial impact.<\/p>\n\n\n\n

\u201cBalinca teaches finance by hacking the brain, not just feeding information,\u201d she said. \u201cOur simulations create what we call a \u2018business gut feeling\u2019\u2014an intuitive grasp of finance that traditional training or even AI platforms can\u2019t replicate.\u201d<\/p>\n\n\n\n

While AI can personalize lessons, she believes behavioral learning still requires human experience.<\/p>\n\n\n\n

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\u201cAI can democratize access,\u201d she said, \u201cbut judgment, ethics, and financial reasoning still depend on people. We train learners to use AI as a co-pilot, not a crutch.\u201d<\/p>\n\n\n\n

Her work aligns with a broader national agenda. The Financial Sector Development Program and Al Tamayyuz Academy are part of Vision 2030\u2019s effort to elevate financial acumen across industries. \u201cIn Saudi Arabia, financial literacy is a national project,\u201d she said. \u201cWhen every sector thinks like a business, the nation gains stability.\u201d<\/p>\n\n\n\n

Jonathan Holmes, managing director for Korn Ferry Middle East, sees Saudi Arabia\u2019s digital transformation producing a new generation of leaders\u2014agile, data-literate, and unafraid of disruption.<\/p>\n\n\n\n

\u201cWhat we\u2019re seeing in the Saudi market is that AI is tied directly to the nation\u2019s economic growth story,\u201d Holmes told Arab News. \u201cUnlike in many Western markets where AI is viewed as a threat, here it\u2019s seen as a catalyst for progress.\u201d<\/p>\n\n\n\n

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Holmes noted that Vision 2030 and the national AI strategy are producing \u201cyounger, more dynamic, and more tech-fluent\u201d executives who lead with speed and adaptability. Korn Ferry\u2019s CEO Tracker Report highlighted a notable rise in first-time CEO appointments in Saudi Arabia\u2019s listed firms, signaling deliberate generational renewal.<\/p>\n\n\n\n

Korn Ferry research identifies six traits for AI-ready leadership: sustaining vision, decisive action, scaling for impact, continuous learning, addressing fear, and pushing beyond early success.<\/p>\n\n\n\n

\u201cLeading in an AI-driven world is ultimately about leading people,\u201d Holmes said. \u201cThe most effective leaders create clarity amid ambiguity and show that AI\u2019s true power lies in partnership, not replacement.\u201d<\/p>\n\n\n\n

He believes Saudi Arabia\u2019s young workforce is uniquely positioned to model that balance. \u201cThe organizations that succeed are those that anchor AI initiatives to business outcomes, invest in upskiling, and move quickly from pilots to enterprise-wide adoption,\u201d he added.<\/p>\n\n\n\n

The convergence of Tawfiq\u2019s financial empowerment approach and Holmes\u2019s AI leadership vision points to one central truth: the Kingdom\u2019s greatest strategic advantage lies in human capital that can think analytically and act ethically.<\/p>\n\n\n\n

\u201cFinancial literacy builds confidence and credibility,\u201d Tawfiq said. \u201cIt transforms participants from operators into leaders.\u201d Holmes echoes this sentiment: \u201cTechnical skills matter, but the ability to learn, unlearn, and scale impact is what defines true readiness.\u201d<\/p>\n\n\n\n

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As organizations adopt skills-based models that match employees to projects rather than fixed job titles, flexibility is becoming the new currency of success. Saudi Arabia\u2019s workforce revolution is as much cultural as it is technological, proving that progress moves fastest when inclusion and innovation advance together.
Holmes sees this as the Kingdom\u2019s defining opportunity. \u201cSaudi Arabia can lead global workforce transformation by showing how technology and people thrive together,\u201d he said.
Tawfiq applies the same principle to finance. \u201cFinancial confidence grows from dialogue,\u201d she said. \u201cThe more women talk about money, valuations, and investment, the more they\u2019ll see themselves as decision-makers shaping the economy.\u201d
Together, their visions outline a future where leaders are inclusive, data-literate, and AI-confident\u2014a model that may soon define the global standard for workforce transformation under Vision 2030.<\/figcaption><\/figure>\n\n\n\n

Reference: ARAB NEWS<\/a><\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"

As Vision 2030 drives economic diversification, experts emphasize that the Kingdom\u2019s most valuable asset is not just technology\u2014but people capable of navigating both money and machines with confidence. For Shereen Tawfiq, co-founder and CEO of Balinca, financial literacy is far from a soft skill. It is a cornerstone of national growth. Her company trains individuals […]<\/p>\n","protected":false},"author":1,"featured_media":11030,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69],"tags":[],"class_list":["post-11031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-69"],"_links":{"self":[{"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/posts\/11031","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/comments?post=11031"}],"version-history":[{"count":1,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/posts\/11031\/revisions"}],"predecessor-version":[{"id":11032,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/posts\/11031\/revisions\/11032"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/media\/11030"}],"wp:attachment":[{"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/media?parent=11031"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/categories?post=11031"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/balinca.com\/ar\/wp-json\/wp\/v2\/tags?post=11031"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}