[official]mawhiba-rabit

A futuristic aerial view of Shanghai at night with glowing light networks symbolizing Artificial Intelligence in China, representing technological growth and connectivity across the city skyline.

28.02.2026

Chinese artificial intelligence: The rise of the new superpower and the challenge to U.S. hegemony

The global technological landscape has undergone a radical shift, in which the race for dominance is no longer limited to military power or traditional economics, but has moved into the realm of artificial intelligence (AI). China, with its incredible advances in this field, stands today to pose an unprecedented challenge to the United States. This competition is not just a race to build the biggest model, but a deep strategic struggle over how to integrate AI into the core of the economy and society. In this report, we review China's unique strategy, compare its grand models, and analyze the geopolitical dimensions of this conflict, with a special focus on the direct impact on the Middle East and Saudi Arabia. 1. The Global AI Race: The opposing strategies of China and the United States 1-1. Artificial General Intelligence (AGI) versus Artificial Artificial Intelligence (AI): Where does the focus lie? The fundamental difference between the two superpowers' strategies lies in the definition of "success" in AI. The US, led by Silicon Valley companies, is primarily focused on achieving Artificial General Intelligence (AGI), i.e. developing systems capable of self-improvement and outperforming human cognitive abilities in a wide range of cognitive tasks. This focus is exemplified by large language models (LLMs) such as GPT-4, which require massive investments in supercomputing and big data. In stark contrast, China is adopting a different strategy, focused on integrating AI into the "physical economy" on a large scale. [...]

Artificial intelligence

05.04.2026

Artificial intelligence: Definition, types, and applications in Saudi Vision 2030

تعريف الذكاء الاصطناعي يعد الذكاء الاصطناعي فرعاً جوهرياً من علوم الحاسب يهدف إلى بناء أنظمة وبرمجيات قادرة على محاكاة القدرات الذهنية البشرية وأنماط تفكير الإنسان. لا تقتصر هذه التقنية على تنفيذ أوامر مبرمجة مسبقاً، بل تمتد لتشمل قدرة الآلة على التعلم من البيانات، استنتاج القواعد، حل المشكلات المعقدة، واتخاذ قرارات دقيقة بناءً على تحليل المعلومات الضخمة. الهدف الأسمى هو تمكين الآلات من أداء مهام تتطلب عادةً ذكاءً بشرياً مثل فهم اللغات الطبيعية، التعرف على الوجوه، والقيادة الذاتية. المفاهيم الأساسية والتقسيم الهيكلي لفهم بنية هذه التقنية، يمكن تشبيهها بدمى “الماتريوشكا” الروسية، حيث تندرج تخصصات دقيقة تحت المظلة الكبرى: الذكاء الاصطناعي (AI): المفهوم الشامل الذي يهدف إلى جعل الآلات ذكية بصفة عامة. تعلم الآلة (Machine Learning): نهج يسمح للأنظمة بالتحسن من خلال التجربة والبيانات دون برمجة صريحة لكل خطوة. التعلم العميق (Deep Learning): فرع متقدم يعتمد على شبكات عصبية اصطناعية تحاكي خلايا الدماغ البشري لمعالجة البيانات المعقدة مثل الصور والصوت. دور الذكاء الاصطناعي في السعودية يمثل الذكاء الاصطناعي في المملكة العربية السعودية ركيزة استراتيجية لا غنى عنها لتحقيق مستهدفات رؤية السعودية 2030. لم يعد مجرد تقنية تكميلية، بل أصبح المحرك الأساسي للتحول الرقمي الوطني. أدركت القيادة السعودية مبكراً أن البيانات هي النفط الجديد، مما أدى إلى تأسيس الهيئة السعودية للبيانات والذكاء الاصطناعي […]

Artificial intelligence

28.02.2026

Artificial Intelligence pdf: A comprehensive understanding of the history, types, and applications of artificial intelligence in the Arab world

Why are you looking for "Artificial Intelligence pdf"? In a time when artificial intelligence (AI) has become part of our daily lives, individuals, educational and business organizations are increasingly interested in understanding this complex field. You may have wondered: If these questions are on your mind, you're not alone. Many are looking for a comprehensive and easy-to-understand PDF that combines theory with real-world applications, rather than reading scattered articles or complex specialized studies. In this guide, you will find a comprehensive analysis of AI from the roots to the future, including: By reading this article, you will not only gain a rich body of knowledge, but also a practical insight that will enable you to assess your own or your organization's readiness to adopt AI effectively and securely. What is Artificial Intelligence? Definition and Historical RootsWhat is Artificial Intelligence? Definition and Historical RootsAI refers to systems capable of prediction, decision-making, or content generation through algorithms that learn from data and improve their performance over time. Historically, the idea started with Alan Turing's question: "Can a machine think?" Then came the 1955 proposal for the Dartmouth Summer Project that coined the term Artificial Intelligence, followed by the Dartmouth Workshop in the summer of 1956; since then there have been boom and bust waves. Today, AI is not limited to pre-programmed rules, but is based on machine learning, deep learning, and generative models that produce text, images, audio, and video. [...]

Finance

A woman checking the details of an instant loan on her smartphone.

03.11.2025

Instant Finance in Saudi Arabia 2025: A comprehensive guide to fast cash financing without salary transfer (Sharia-compliant)

Instant funding: The Ultimate Guide to Getting Fast Cash in Saudi Arabia The need for quick cash is something that individuals and entrepreneurs alike face in Saudi Arabia. With the Kingdom's FinTech sector growing exponentially, the concept of instant funding has become not just a luxury, but a necessity to meet the demands of modern life and the speed of investment and business decisions. This comprehensive guide provides you with the necessary information to start your journey towards obtaining your cash in the fastest and easiest way, while ensuring alignment with your Sharia values and financial requirements. What is instant finance and why has it become the first choice in Saudi Arabia? With Vision 2030 and digital transformation, the Saudi consumer is looking for financial solutions that are not only fast, but also efficient and transparent. Instant finance represents a revolution in this field, breaking the traditional bureaucratic constraints. Definition of Instant Finance: Speed and flexibility at your fingertips Instant finance is a financial product characterized by instant (or near-instant) approval and deposit into the account within a few hours, instead of days or weeks as in traditional financing. This type of finance relies heavily on digital platforms and smart apps, and the use of data analytics and automated credit assessment techniques. This gives individuals and business owners unparalleled flexibility to deal with [...]

Finance

A person working on a computer in an office and another person checking a laptop and a card.

03.11.2025

Cards: The double secret to designing breathtaking greetings and buying the best digital cards in Saudi Arabia 2025

Are you looking to stand out on your special occasions with a unique greeting card? Or maybe you're looking to buy digital cards (shipping cards, game cards) at the best price and maximum security in the Saudi market? The word "cards" is broad and encompasses two completely different worlds: The world of creativity and expression (greeting cards) and the world of digital transactions and entertainment (shipping and gift cards). This comprehensive guide is your key to mastering both areas in 2024, with a focus on the needs of the Saudi market. Get ready to discover the secrets of professional design and the best trusted stores for all your card needs. Part I: Design professional greeting cards: The Secrets of Impressing at First Sight Nothing beats sending a thoughtfully designed greeting card that reflects your taste and appreciation for the recipient. In this installment, we reveal how to transform you from a novice to a professional designer of holiday and event cards, with a focus on the elements that are of particular interest to Saudis. What cards are you looking for? The essential differences between greeting cards and shipping cards Before we dive into the world of designing or buying, we must define the purpose of your search for the word cards. Searchers often confuse two main types: This section will focus on the first type (greeting cards) and how to master their design to make a memorable impact. A beginner's guide: 5 easy steps to design your perfect card with no design experience required No complicated programs or [...]

Labor Law and Social Regulations

Abstract visual representing the GOSI integration of old (blue and new (green) pension systems merging into a glowing golden shield of digital protection over a futuristic Saudi skyline.

28.02.2026

Pension organization: Your comprehensive guide to civilian and military services after the merger at GOSI

Pension organization: Your comprehensive guide after the merger with Social Insurance (GOSI) Welcome to your one-stop guide about the General Organization for Retirement. If you're looking for information about retirement services for civilian or military employees, you've likely noticed significant changes in recent years. Perhaps the most notable of these changes is the full integration of the Public Pension Agency (PPA) into the General Organization for Social Insurance (GOSI). This important administrative change has unified Saudi Arabia's social protection umbrella, but it may raise some questions for current retirees and contributors. In this article, we will explain in detail what happened to the organization, and how you can now access all your retirement services with ease through the GOSI's unified platform. We'll cover everything from how to log in with National Access, submit a retirement application, inquire about your entitlements, to understanding the pension systems after the merger. Our goal is to clear up any confusion and provide you with all the information you need to ensure your pension rights and follow your transactions with confidence. What is the fate of the Pension Corporation? The straightforward and clear answer to the merger is: The Public Pension Organization no longer exists as an independent entity. Based on a Cabinet decision issued in June 2021, the Pension Corporation has been fully integrated into the General Organization for Social Insurance (GOSI). This does not mean that the rights of retirees or participants have been lost

Finance

15.11.2025

A comprehensive guide to personal finance in Saudi Arabia

Introduction: Why personal finance is not just a loan, but your secure future? In Saudi Arabia, where the economy is experiencing rapid growth and an unprecedented expansion of financial and professional opportunities, managing "personal finance" has become more than just a matter of organizing monthly expenses. It is the essential map that determines whether you will achieve financial stability and be able to take advantage of these opportunities, or remain trapped in debt crises and irregular cash flows. Many people seek personal finance to meet urgent needs, but only a few realize that the real power lies in managing it and directing it towards wealth building, not just consumption. This comprehensive guide is designed to take you step-by-step, from the universal basics of financial management to the finer details of Saudi banks' personal finance programs, including Sharia-compliant options. We'll help you understand how a loan, whether for personal needs or investment, can be a powerful growth tool if managed wisely. Start your journey now towards a more secure and prosperous financial future. 1. The 4-Step Plan: The personal financial management fundamentals that guarantee you wealth Building wealth is not a magical process, but rather the systematic and consistent application of four core financial principles. These principles are the foundation upon which all your financial decisions are built, from choosing a personal finance to determining [...]

Finance

A Saudi businessman and businesswoman in modest attire shaking hands across a glowing blue digital shield, symbolizing secure and legally protected promissory note transactions and digital transformation in finance.

03.11.2025

Deed to Order in Saudi Arabia 2025: Issuance through a window, validity conditions, and direct execution procedures to ensure your right

Don't risk your money: Your legal guide to mastering the electronic Deed of Order and ensuring debt collection Are you worried about how to document your future financial transactions and ensure you recover your right without going through the long maze of courts? Are you wondering what is the real difference between a Deed of Order and a check, and how to use Nafez's platform to make it an irreversible executive deed? Many commercial and individual transactions in Saudi Arabia are exposed to financial risks due to not understanding the exact legal terms of this powerful tool. You are not alone in these questions! We've designed this comprehensive guide to give you the power and legal knowledge you need. By reading this article, you will master all things related to the bond: From understanding its formal and substantive conditions that prevent its invalidity, to the illustrated steps to issue it electronically via Nafez, to direct execution procedures through the Execution Court and the legal implications for the debtor (suspension of services and travel bans). The benefit is guaranteed: You will be able to protect your capital, accelerate the collection of your debts, and avoid fraud and wrongful claims, with full confidence based on the Saudi system. Start reading now and make the Deed to Order your legal shield in every transaction. You're not alone in these questions! What is a Promissory Note? Executive power and benefits you don't know The exact legal definition of a Promissory Note and its role in the commercial paper system A Promissory Note is a very important legal and commercial document [...].

Finance

A person receiving a detailed explanation about medical insurance

03.11.2025

Medical insurance for SMEs: Instant comparison, best coverage, and cost-cutting secrets

Are you an SME owner in Saudi Arabia looking for the best medical insurance for your employees? We know it's more than just legal compliance; it's about protecting your most valuable resources, controlling costs, and fostering an attractive work environment. This comprehensive guide will guide you step-by-step, from understanding the legal requirements to implementing smart strategies to get the best coverage at the lowest possible cost, right away. Don't settle for the cheapest price, compare offers based on quality, medical network, and real benefits. Why is employee medical insurance an investment and not just an obligation? Providing health insurance for employees in your SME is not just a budget line item, but a long-term strategic decision. In the Kingdom's competitive business environment, medical insurance contributes to building a positive image of your organization as an employer that cares about the well-being of its team. This has a direct impact on productivity and job loyalty. In this section, we explain the legal and strategic dimensions of this obligation. Legal framework: Compulsory Health Insurance Requirements in Saudi Arabia Under the Cooperative Health Insurance Law in Saudi Arabia, providing health insurance for all employees (Saudi and non-Saudi) in the private sector and their family members covered by the system is mandatory and a legal obligation for the employer. According to the decision, the insurance policy must cover all essential benefits defined by the Council for Cooperative Health Insurance (CCHI). Small and medium enterprises [...]

Finance

Saudi businessman in traditional attire reviewing digital financial data and insurance policy options in a modern office, symbolizing forward-thinking insurance planning.

03.11.2025

Insurance in Saudi Arabia: Your comprehensive guide to understanding "My Insurance", its legal ruling and how to choose it

Are you looking for "my insurance"? Start your journey to financial security here Are you confused whenever you hear the word "insurance"? Are you wondering "What insurance do I really need?", "Is insurance halal and Sharia-compliant?", or "What is the difference between mandatory and voluntary insurance in Saudi Arabia?" If these questions are on your mind, you are not alone. This comprehensive guide is designed to answer all your questions about the insurance system in Saudi Arabia. We will take you step by step, starting from simplifying the basic concepts, clarifying the legal ruling (the difference between cooperative and commercial insurance), to reviewing the most important types of insurance (health, vehicle, life, and property). By reading this article, you will have a clear roadmap to help you understand your real needs, compare offers, and make an informed decision. You will gain the confidence to choose the right "my insurance" that protects your financial future and that of your family. Your comprehensive guide to My Insurance: How to protect your financial future in Saudi Arabia Welcome to your essential guide to understanding the world of insurance in Saudi Arabia. The word "insurance" may sound complicated or just another financial burden, but it's actually one of the most important tools available to you to protect your financial future and that of your family. Life is full of surprises, some of which are pleasant and others can be quite challenging, whether it's an unexpected accident, a health emergency, or damage to your valuables. In this [...]