Smarter debt recovery
ARMS is a bilingual cloud platform for managing collection files and debt recovery: automation, artificial intelligence, advanced analytical reports and contact-center integration - one transparent price that covers everything.
Full Arabic and English support · cloud or on your own servers · aligned with global information-security standards
Ideal target sectors
Built for collection agencies, banks, finance companies, fintechs and law firms across Saudi Arabia and the Gulf.
Collection agencies
Multiple bank portfolios, high case volumes, and a need for automation and case tracking.
Banks and finance companies
Local compliance, detailed reporting and contact-center integration.
Fintech
Fast-to-deploy digital collection with a modern back end that connects to your systems.
Law firms
Manage legal cases side by side with receivables follow-up.
One platform for the entire collection cycle
Nine core modules included in the license, built Arabic-first with complete right-to-left support and a full English interface.
Command Dashboard
Three analytical views (overview, insights, performance indicators) with live metrics for cases, payments, forecasts and productivity. Every card respects permissions and drills into detailed records.
Case & Customer Management
A unified portfolio per debtor and per finance product, with advanced search, notes, tasks, settlement offers, promises to pay, status history, attachments and a full log of calls and messages.
Collections Management
Payment recording, settlement offers, approval and rejection workflows, bank reconciliation batches and sequential case navigation. Supervisors see their team; collectors see only their own accounts.
Operations Automation
An operations center for importing and mapping spreadsheet files, bank payment batches, bulk status updates, matching tools, exclusion lists and deleted-record recovery.
Reports & Statistics
Fifteen report families with their own filters covering collectors, contracts, supervisors and management. Export to spreadsheets or printable files, with advanced analytics built in and no external tools.
AI Toolkit
Five tools included in the license: smart assistant, risk scoring, payment prediction, communication drafting and contact intelligence - with your choice of AI provider.
Communication & Notifications
Live notification center, internal inbox, supervisor-collector chat, leadership messages with read receipts, and a bulk text-message and email campaign engine with templates and scheduling.
Security & Protection
Two-factor sign-in, password policy, concurrent-session limits, address allow and block lists, geographic restriction, working-hours enforcement and a tamper-proof audit log for every action.
Data Governance
Governance controls aligned with Saudi data-protection requirements, configurable per contract, with custom field templates and full control over data retention.
Five AI tools included in the base price
The AI provider is switchable - choose what fits your data policy, including fully on-premise operation inside your own facility.
Smart Assistant
Questions and answers about any case, in Arabic or English.
Risk Scoring
Recovery likelihood per debtor to focus your team's effort.
Payment Prediction
Expected date and amount of the next payment.
Communication Drafting
Ready-made text messages, emails and call scripts.
Contact Intelligence
Enriched contact data for hard-to-reach debtors.
What sets ARMS apart
Everything the collection cycle needs, in one license, built for the Saudi market.
Built-in contact-center integration
Call logging and dialing directly from inside the case.
AI included in the price
Five ready tools with no add-on fees or paid modules.
Built-in advanced analytics
Fifteen exportable report families without external tools.
End-to-end automation
Bulk import, bank reconciliation and bulk status updates.
Local technical support
A Saudi team that speaks your language and responds within the same working hours.
Arabic-first with a full English interface
Complete right-to-left support with automatic in-system translation.
Full system ownership
One-time purchase option deployed on your own infrastructure.
Continuous updates
Included in the annual maintenance contract with no upgrade fees.
Loyalty program and discounts
A long-term partnership with discounts for continuing clients.
Built for the Saudi market
Data governance and local regulatory requirements ready by default.
Three reasons the decision is easy
One transparent price
Everything includedAutomation, AI and analytical reporting are part of the base license - no paid add-ons and no hidden fees.
True ownership
Own the system, not a licenseFull ownership from day one, with no recurring per-user fees that grow with your team.
Ready immediately
Live in daysA platform that has run in production for years, deployed in days with professional support and updates covered by maintenance.
A licensing model that fits how you work
A managed cloud subscription or full ownership. Pricing depends on portfolio size and user count and is provided in a tailored quote.
Managed cloud subscription
Hosted and operated by Digital Space with an annual maintenance contract. The fastest way to launch with no infrastructure.
- Managed cloud hosting with daily backups
- Continuous updates included
- Arabic and English support
- All core modules and AI tools
- No infrastructure or operations team needed
Full ownership
Deployed on the client's own infrastructure under an exclusive, non-transferable license.
- Deploy on your own servers or private cloud
- No recurring per-user fees
- Exclusive, non-transferable license
- Optional annual maintenance contract
- Loyalty discount program
All options include the core modules, AI tools and analytical reporting.
Questions clients ask before deciding
Are AI and reporting included in the price?
Yes. The five AI tools, fifteen analytical report families and full automation are all part of the base license with no paid modules or extra fees.
Do we own the system or rent a license?
Your choice. A managed cloud subscription from Digital Space, or full ownership deployed on your infrastructure with a one-time purchase. The ownership option carries no escalating per-user fees.
How long does it take to go live?
A few days: we import your data, set up users and permissions, train your team on the core modules, and you launch.
Can the AI run locally without sending data outside?
Yes. The AI provider is switchable, and models can run locally inside your infrastructure in line with your data-protection policies.
How much data can the system handle?
The bulk-import pipeline is tested on more than 250,000 rows, and the indexed high-performance database handles hundreds of thousands of cases without affecting speed.
Is the system fully bilingual?
Yes. Built Arabic-first with complete right-to-left support, a full English interface, automatic in-system translation, and local support that speaks your language.
Book a live demo with the ARMS team
Tell us about your portfolio size and we will prepare a tailored proposal within one business day.
Reply within 24 hours
A local sales team that speaks your language and knows the market.
Tailored proposal
Pricing based on portfolio size, user count and licensing model.
Your data is safe
We never share your information with third parties.