Advice to students and newcomers: Fintech is a science, not just APIs.
Understanding regulatory and economic backgrounds turns you from a tool user to a system innovator.
Knowing SAMA, PDPL, and GDPR adds value to every technical decision.
The Arab market focuses on Robo Advisory, Digital KYC (Nafath), and Virtual IBANs.
Globally, the trend is Web2 x Web3, Embedded Finance, and Stablecoins.
"My advice: Follow global trends, understand local reality, and evolve from a technician to a financial systems thinker."
#Fintech#Career#SAMA#Web3
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