Tabby is setting up its own AI factory in Saudi Arabia, powered by NVIDIA’s HGX systems — the same technology used by OpenAI and Meta to train large-scale models. The new setup will help Tabby process data inside the Kingdom, improve fraud detection, and deliver faster, more personalized financial services to millions of users across the Gulf.
Tabby currently serves over 20 million users and works with more than 30,000 merchants, from regional chains to global brands. By running its AI systems locally, the company will reduce delays, cut dependence on foreign cloud platforms, and comply with Saudi Arabia’s data localization rules under Vision 2030.
The move follows a global trend among major fintechs investing in their own AI capabilities. Klarna, Sweden’s buy-now-pay-later firm, recently said its AI assistant—powered by OpenAI—now manages two-thirds of its customer chats, saving $10 million a year. Stripe and PayPal have developed internal models for fraud and risk prediction, while Adyen uses its own AI systems to process billions of payments in real time.
NVIDIA’s HGX platform will give Tabby access to powerful GPU clusters with extremely fast data transfer speeds—up to 900 GB per second—allowing it to train and run AI models for credit scoring, spending behavior, and transaction security. These models will help Tabby analyze massive amounts of financial data in seconds and adapt quickly to new fraud patterns or user trends.
Saudi Arabia is rapidly positioning itself as a regional leader in artificial intelligence. Through the Saudi Data and AI Authority (SDAIA) and Vision 2030, the government is investing heavily in sovereign cloud and computing infrastructure. Tabby’s decision to build its AI systems within the country supports this strategy—keeping data safe, creating local jobs, and strengthening Saudi Arabia’s AI ecosystem.
Tabby is one of the first fintech companies in the Middle East to make such a large commitment to AI infrastructure. In other markets, similar moves have produced strong results: Klarna improved customer response times by 25%, and PayPal reduced false declines by 30% after shifting to proprietary AI systems.
By building on NVIDIA HGX, Tabby now has the power to handle complex AI workloads at home—turning data into faster decisions, safer payments, and more tailored user experiences. The company’s AI factory marks a new phase where fintechs are not just payment apps, but technology-driven financial platforms built around artificial intelligence.
Saudi Arabia’s Tabby launches in-house AI infrastructure