As of Q3 2022, the market share of the Saudi National Bank (SNB) was **** percent. Al Rajhi Bank had the largest increase in market share from **** percent in Q1 2021 to **** percent in Q3 2022.

The National Commercial Bank (NCB) had approximately 20 percent of the market shares of total banking assets in Saudi Arabia as of May 2019. This was the highest market share amongst the notable banks.

Some of the recent competitor trends and key information about competitors include: The Saudi auto finance market is relatively concentrated, with major banks and financial institutions dominating the space. However, the rise of digital lending platforms and fintech startups has diversified the market, offering consumers more financing options and improved services. The growing adoption of artificial intelligence and machine learning by financial institutions is further revolutionizing the market, making credit risk assessment more accurate and improving loan processing efficiency. Competitive Landscape in Saudi Arabia Auto Finance Market

Some of the recent competitor trends and key information about competitors include: The KSA personal finance market is relatively concentrated, with a few major financial institutions dominating the space. However, the rise of fintech firms and digital banking services has diversified the market, offering consumers more choices and innovative solutions. Major players include Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma Bank, and various emerging fintech platforms. Competitive Landscape in KSA Personal Finance Market

The Saudi Arabia retail banking market exhibits robust growth potential, driven by a burgeoning young population, increasing digital adoption, and government initiatives promoting financial inclusion. The market's value, currently estimated at $XX million in 2025 (based on the provided CAGR of 6% and unspecified 2019-2024 values), is projected to experience a substantial expansion throughout the forecast period (2025-2033). Key growth drivers include the rising penetration of smartphones and internet access fueling the demand for digital banking services, coupled with the government's Vision 2030, which aims to diversify the economy and enhance financial infrastructure. This creates opportunities for banks to innovate and offer customized digital solutions catering to the diverse needs of the Saudi population. Increased competition among established players like National Commercial Bank, Al Rajhi Bank, and Saudi British Bank, alongside the entrance of new fintech companies, fuels innovation and further enhances market growth. However, challenges remain, including the need for greater financial literacy among certain segments of the population and the ongoing regulatory adjustments within the financial sector. The segmentation of the Saudi retail banking market reveals significant opportunities across various product offerings. Transactional accounts and debit cards currently dominate, but the increasing popularity of digital wallets and mobile payment solutions suggests a shift towards higher adoption of credit cards and other digital banking products in the coming years. The dominance of banks like Al Rajhi Bank and National Commercial Bank indicates the influence of established institutions, although the growth of fintech and digital-first banking initiatives could change the competitive landscape. Furthermore, the market's distribution channels are evolving, with a noticeable increase in online and mobile banking alongside traditional branches. Therefore, strategic partnerships and technological investments are crucial for banks to capitalize on these trends and secure their market share in this dynamically growing sector. Recent developments include: February 2022: The Ministry of Municipal and Rural Affairs and Housing honored the Saudi National Bank for its efforts in serving the housing sector within the donor community after the bank announced the completion of the delivery of its community housing initiative, which resulted in the provision of 500 housing units to the beneficiaries of the housing development program from 2017 to 2021, including 361 fully-furnished housing units and 139 housing units, supported by purchasing cards., January 2022: Saudi National Bank announced the completion of the merger between Samba Financial Group and NCB, which is the fastest and largest merger in the history of Saudi Arabia. The merger resulted in the establishment of the largest banking entity in Saudi Arabia with assets of more than USD 239.7 billion.. Key drivers for this market are: Increasing Financial Literacy, The Spending by Retail Banks for digital banking is increasing in Saudi Arabia. Potential restraints include: Increasing Financial Literacy, The Spending by Retail Banks for digital banking is increasing in Saudi Arabia. Notable trends are: Increase in Saudi Retail Mortgage Loans Driving the Market.

Recent Competitor Trends and Key Information: The KSA lending market is relatively concentrated, with a few major banks dominating the space. However, the rise of fintech companies and non-banking financial institutions (NBFIs) has diversified the market, offering consumers more choices and innovative services. Key players include Al Rajhi Bank, National Commercial Bank (NCB), Riyad Bank, Samba Financial Group, and emerging fintech firms like Tamam, Ajar, and Lendo. Competitive Landscape in KSA Lending Market

The Saudi Arabia Financial Leasing Market was valued at USD 58.76 Billion in 2024 and is expected to reach USD 102.67 Billion by 2030 with a CAGR of 9.81%.

Pages	82
Market Size	2024: USD 58.76 Billion
Forecast Market Size	2030: USD 102.67 Billion
CAGR	2025-2030: 9.81%
Fastest Growing Segment	NBFCs
Largest Market	Northern & Central
Key Players	1. Yanal Finance Company 2. Gulf Lifting Financial Leasing Company 3. AJIL Financial Services Company 4. Al Yusr Leasing & Financing Co 5. Gulf Finance Company 6. Saudi Fransi Lease Finance Company 7. Alinma Bank 8. Saudi National Bank 9. Al-Rajhi Banking & Investment Corporation 10. Al Arabi Heavy Equipment Lease Company

Saudi Arabia Retail Banking Market size was valued at USD 185.6 Billion in 2024 and is expected to reach USD 298.3 Billion by 2032, growing at a CAGR of 8% from 2025 to 2032.

Saudi Arabia Retail Banking Market: Definition/ Overview

Retail banking refers to banking services offered directly to individual customers, such as savings and checking accounts, personal loans, mortgages, credit cards, and wealth management. It enables individuals to manage their finances, obtain credit, and save or invest for the future. Digital banking platforms, personalized financial planning, and mobile payment systems are a variety of applications. The future of retail banking is focused on AI-driven customer insights, enhanced digitalization, and sustainable finance solutions, to provide seamless, customer-centric services while addressing evolving regulatory and environmental priorities.

Saudi Arabia Consumer Finance Market was valued at USD 356.72 Billion in 2023 and is expected to reach USD 973.97 Billion by 2029 with a CAGR of 18.28% during the forecast period.

Pages	82
Market Size	2024: USD 356.72 Billion
Forecast Market Size	2030: USD 973.97 Billion
CAGR	2025-2030: 18.28%
Fastest Growing Segment	Unsecured Consumer Finance
Largest Market	Western
Key Players	1. Al Rajhi Banking & Investment Corporation SJSC 2. National Commercial Bank SJSC 3. Riyad Bank SJSC 4. Saudi British Bank 5. Samba Financial Group SJSC 6. Saudi Investment Bank SJSC 7. Alinma Bank SJSC 8. Banque Saudi Fransi SJSC 9. Alawwal Bank 10. Arab National Bank

Alinma Bank held the highest value of traded shares among commercial banks in Saudi Arabia in 2017 at a value of approximately 107 billion Saudi riyals. It was followed by Al Rajhi Bank at about 49 billion Saudi riyals in that year.  Banks in Saudi Arabia Alinma Bank is one out of thirteen local licensed banks in Saudi Arabia. It is a Saudi joint stock company that was founded in 2006 with its headquarters in Riyadh. There were three founding shareholders who accounted for a third of the share capital of the bank. The shareholders were the Saudi Arabian Public Investment Fund, the Saudi Arabian Public Pension Agency, and the Saudi Arabian General Organization for Social Insurance. Alinma is an Islamic bank that offers a variety of banking services that follow the shariah Islamic law. Another large bank in Saudi Arabia is the National Commercial Bank of Saudi Arabia (NCB) which had the highest asset value in 2019 of about 135 million U.S. dollars. It holds 20 percent of the market share of the banking assets in Saudi Arabia and had a net profit of eight billion U.S. dollars. Islamic financial services

Islamic banks follow the Islamic shariah laws and offer alternatives to traditional banking services. Islamic banks prohibit profiting from interest and moneylending. The revenues of the Islamic banks are derived from sharing the profits and losses with the borrowers and investors. The largest bank following the shariah law was the Ayandeh Bank of Iran with an asset value of about 26 billion U.S. dollars. Iran held the most Islamic banking assets in 2019, followed by Saudi Arabia at about 25 percent. Islamic banks offer Islamic banking, Islamic capital instruments, and takaful. Islamic banking holds the largest share of Islamic financial services worldwide.

The KSA Cash Management Services Market Report is Segmented by Cash Management Services (ATM Replenishment, Cash Supply To Bank, Cash Collection and Processing, and Other Services (maintenance Services for Different Equipment)). The Market Sizes and Forecasts are Provided in Terms of Value in USD for all the Abovementioned Segments.

The Saudi Arabia Digital Lending market was valued at USD 42.45 Billion in 2024 and is expected to grow to USD 56.23 Billion by 2030 with a CAGR of 13.45%.

Pages	82
Market Size	2024: USD 42.45 Billion
Forecast Market Size	2030: USD 56.23 Billion
CAGR	2025-2030: 13.45%
Fastest Growing Segment	Auto Loan
Largest Market	Northern & Central
Key Players	1. UNIINT 2. Lendo Platform 3. Raqmyah Crowdlending Company 4. Tamweel Aloula 5. Tasheel Finance 6. Tamam Financing Co. 7. Gulf International Bank 8. Nayla Finance 9. Emkan 10. The Federal Bank Limited

The online banking penetration rate in Saudi Arabia was forecast to continuously increase between 2024 and 2029 by in total 16.3 percentage points. After the fifteenth consecutive increasing year, the online banking penetration is estimated to reach 71.19 percent and therefore a new peak in 2029. Notably, the online banking penetration rate of was continuously increasing over the past years.Shown is the estimated percentage of the total population in a given region or country, which makes use of online banking.The shown data are an excerpt of Statista's Key Market Indicators (KMI). The KMI are a collection of primary and secondary indicators on the macro-economic, demographic and technological environment in up to 150 countries and regions worldwide. All indicators are sourced from international and national statistical offices, trade associations and the trade press and they are processed to generate comparable data sets (see supplementary notes under details for more information).Find more key insights for the online banking penetration rate in countries like United Arab Emirates and Israel.

The Middle East and Africa (MEA) digital banking market is experiencing robust growth, driven by increasing smartphone penetration, rising internet usage, and a young, tech-savvy population. A compound annual growth rate (CAGR) exceeding 3.50% indicates a significant expansion of this market, projected to reach substantial value over the forecast period (2025-2033). Key drivers include the governments' initiatives to promote financial inclusion through digital channels, the increasing adoption of mobile banking and payment solutions, and the growing demand for convenient and personalized banking services. The market is segmented by account type (business and savings), service offered (mobile banking, payments & money transfers, loans), application (enterprise and personal), and geography (UAE, Saudi Arabia, Qatar, South Africa, Oman, Israel, Turkey, and the Rest of the Middle East). Competition is fierce, with established banks like Bank ABC and ADCB Hayyak alongside fintech disruptors such as Mashreq NEO, Pepper, and Liv vying for market share. The shift towards open banking APIs is also a significant trend, facilitating innovation and collaboration within the ecosystem. However, challenges remain, including cybersecurity concerns, data privacy regulations, and the digital literacy gap in certain segments of the population. Addressing these challenges will be crucial for sustaining the market's growth trajectory. The market's substantial growth is fueled by a confluence of factors. The increasing preference for contactless transactions and the convenience offered by digital platforms is significantly impacting customer behavior. Furthermore, the introduction of innovative digital banking features, including personalized financial management tools and AI-powered chatbots, is enhancing the user experience and attracting new customers. While the UAE and Saudi Arabia currently dominate the market, other countries in the MEA region are witnessing rapid growth as digital infrastructure improves and financial inclusion initiatives gain momentum. The sustained investment in fintech startups and the increasing collaboration between traditional banks and fintech companies is fostering innovation and driving market expansion. This competitive landscape fosters a dynamic environment that pushes boundaries and accelerates the adoption of advanced technologies such as blockchain and biometric authentication, further strengthening the digital banking ecosystem's resilience and growth potential. Recent developments include: May 2022: Mastercard, One Global and i2c have announced a partnership to provide tailored financial solutions that will enable the issuance of digital mobile wallets in the region. Through this partnership, banks, fintech, merchants and wallet providers can now offer consumers in the region easy access to cutting edge, digital-first payment solutions and services., March 2022: United Arab Emirates' Mashreq Bank has launched Neopay, a unified merchant acquiring and consumer paytech business. Neopay is the brand name of the bank's new wholly-owned subsidiary, IDFAA Payment Services, which has consolidated all of Mashreq's existing payment systems into a single platform.. Notable trends are: Advanced Technology and Security are Driving the Market.

In 2021, the largest share of about 32.9 percent of the Islamic banking assets worldwide were in Saudi Arabia. It was followed by Iran which held about 16.2 percent of the total Islamic banking assets. Islamic financial services The Islamic banking sector is an alternative to conventional banking to operate in accordance with Islamic shariah law. The main Islamic principle of Islamic banks is to have a business model which avoids taking riba, that is to profit from interest or usury. Islamic banking includes the sharing of profit and loss, and the prohibition of interest payments between borrowers and lenders. The banks profit through equity participation with the borrower rather than receiving interest payments. The largest Sharia’ah compliant bank was Ayandeh Bank of Iran with assets exceeding 26 billion U.S. dollars in 2019. Further growth of the current Islamic services requires the simultaneous development of other segments of the Islamic capital market to offer a wider range of Islamic financial instruments for assets managers.

Islamic banking assets Islamic financial institutions offer a variety of Islamic financial services such as Islamic banking, sukuk, Islamic funds, and takaful. Islamic banking was the most popular service with a share exceeding 70 percent of the global Islamic banking services worldwide. The number of jurisdictions with a systemically important Islamic banking sector increased marginally from 2018 to 2019. The Gulf Cooperation Council (GCC) region still accounts for the largest share of the global Islamic banking assets, followed by the Middle East and South Asia region and the South-East Asian region. The growth of the Islamic banking sector continued in 2019, driven by the increase in oil prices and improved credit growth. Its stability indicators were satisfactory in accordance with international regulatory requirements.

Saudi Arabia SA: Market Capitalization: Listed Domestic Companies data was reported at 451.379 USD bn in 2017. This records an increase from the previous number of 448.831 USD bn for 2016. Saudi Arabia SA: Market Capitalization: Listed Domestic Companies data is updated yearly, averaging 421.060 USD bn from Dec 2009 (Median) to 2017, with 9 observations. The data reached an all-time high of 483.116 USD bn in 2014 and a record low of 318.734 USD bn in 2009. Saudi Arabia SA: Market Capitalization: Listed Domestic Companies data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Saudi Arabia – Table SA.World Bank.WDI: Financial Sector. Market capitalization (also known as market value) is the share price times the number of shares outstanding (including their several classes) for listed domestic companies. Investment funds, unit trusts, and companies whose only business goal is to hold shares of other listed companies are excluded. Data are end of year values converted to U.S. dollars using corresponding year-end foreign exchange rates.; ; World Federation of Exchanges database.; Sum; Stock market data were previously sourced from Standard & Poor's until they discontinued their 'Global Stock Markets Factbook' and database in April 2013. Time series have been replaced in December 2015 with data from the World Federation of Exchanges and may differ from the previous S&P definitions and methodology.

Key information about Saudi Arabia Total Deposits

• Saudi Arabia Total Deposits was reported at 728.647 USD bn in Jan 2025
• This records an increase from the previous number of 717.969 USD bn for Dec 2024
• Saudi Arabia Total Deposits data is updated monthly, averaging 225.632 USD bn from Jan 1993 to Jan 2025, with 385 observations
• The data reached an all-time high of 728.647 USD bn in Jan 2025 and a record low of 49.140 USD bn in Jan 1993
• Saudi Arabia Total Deposits data remains active status in CEIC and is reported by CEIC Data
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Total Deposits: USD: Monthly

CEIC converts monthly Total Deposits into USD. Saudi Central Bank provides Total Deposits in local currency. Saudi Central Bank period end market exchange rate is used for currency conversions. Total Deposits covers all banks.

According to Cognitive Market Research, the global transaction banking market size will be USD 251.2 million in 2024. It will expand at a compound annual growth rate (CAGR) of 11.50% from 2024 to 2031.

North America held the major market share for more than 40% of the global revenue with a market size of USD 100.48 million in 2024 and will grow at a compound annual growth rate (CAGR) of 9.7% from 2024 to 2031.
Europe accounted for a market share of over 30% of the global revenue with a market size of USD 75.36 million.
Asia Pacific held a market share of around 23% of the global revenue with a market size of USD 57.78 million in 2024 and will grow at a compound annual growth rate (CAGR) of 13.5% from 2024 to 2031.
Latin America had a market share of more than 5% of the global revenue with a market size of USD 12.56 million in 2024 and will grow at a compound annual growth rate (CAGR) of 10.9% from 2024 to 2031.
Middle East and Africa had a market share of around 2% of the global revenue and was estimated at a market size of USD 5.02 million in 2024 and will grow at a compound annual growth rate (CAGR) of 11.2% from 2024 to 2031.
The payment processing services category is the fastest growing segment of the transaction banking industry

Market Dynamics of Transaction Banking Market

Key Drivers for Transaction Banking Market

Growing Adoption of Digital Platforms and Technologies to Boost Market Growth

The growing adoption of digital platforms and technologies significantly enhances the transaction banking market by enabling real-time transactions, efficient cash management, and streamlined payment processing. Financial institutions leverage advanced technologies, such as artificial intelligence, blockchain, and cloud computing, to provide innovative services and improve client experiences. Digital platforms facilitate seamless cross-border transactions, reduce operational costs, and enhance security measures. As businesses increasingly seek agility and transparency, the demand for digital transaction banking solutions continues to rise, driving the market's growth and transformation towards more efficient, customer-centric services. For instance, in October 2024, Aurionpro Solutions Limited was pleased to announce a multi-million dollar deal with a leading bank in Saudi Arabia. This win reinforces Aurionpro’s leadership in digital banking transformation with the cutting-edge iCashpro platform, designed to meet the needs of both conventional and Shariah-compliant banking systems. The bank has chosen Aurionpro’s next-generation cash management and transaction banking platform to deliver a seamless and contextual customer experience to its corporate clients.

Increasing Focus on Real-Time Payments and Open Banking Initiatives to Drive Market Growth

The transaction banking market is significantly influenced by the increasing focus on real-time payments and open banking initiatives. Real-time payment systems enhance transaction speed and efficiency, meeting the growing demand for instant fund transfers and improved cash flow management. Simultaneously, open banking initiatives promote collaboration between banks and fintechs, fostering innovation in financial services. These developments lead to enhanced customer experiences, increased competition, and more tailored banking solutions, ultimately driving growth in the transaction banking sector while enabling businesses to optimize their liquidity and payment processes.

Restraint Factor for the Transaction Banking Market

Emergence of Fintech Companies & Alternative Payment Solutions will Limit Market Growth

The emergence of fintech companies and alternative payment solutions poses a significant restraint to the transaction banking market. These innovative players offer faster, more cost-effective services that challenge traditional banks, compelling them to adapt quickly. As customers increasingly favor seamless digital experiences, traditional transaction banks risk losing clients to fintechs that provide user-friendly platforms and competitive pricing. Additionally, fintech companies often operate with fewer regulatory burdens, allowing them to innovate and scale rapidly, further intensifying competition and pressuring transaction banks to enhance their offerings and reduce costs.

Trend Factor for the Transaction Banking Market

Rapid Digitization and Shift Toward Real-Time Payments

Transaction...

The Middle East Islamic finance market, encompassing Islamic banking, Takaful (Islamic insurance), and Sukuk (Islamic bonds), is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 5.12% from 2025 to 2033. This expansion is driven by several key factors. Firstly, the region's predominantly Muslim population fuels a strong inherent demand for Sharia-compliant financial products and services. Secondly, supportive government policies and regulations in countries like Saudi Arabia, the UAE, and Qatar are actively promoting the sector's development. Furthermore, increasing awareness of the ethical and socially responsible nature of Islamic finance is attracting both individual and institutional investors globally. The sector's diversification into innovative financial instruments and technological advancements, including fintech solutions, further contributes to its growth trajectory. Competition amongst established players like Barwa Bank, Mellat Bank, and Riyad Bank, alongside the emergence of new entrants, fosters innovation and efficiency within the market. However, challenges remain. While growth is significant, the market's susceptibility to global economic fluctuations and geopolitical risks poses a potential constraint. Regulatory inconsistencies across different Middle Eastern countries also present obstacles to seamless cross-border transactions and market integration. Addressing these challenges through harmonized regulations and enhanced risk management practices will be crucial to sustain the market's long-term growth and attract further foreign investment. The segmentation of the market by financial sector (Islamic banking, Takaful, Sukuk) and geography (Saudi Arabia, Qatar, UAE, Iran, Iraq, and the Rest of the Middle East) allows for a targeted approach to market penetration and customized strategies for different customer segments. The continuous expansion of Sukuk issuance, driven by both governmental and corporate needs for Sharia-compliant funding, is a particularly notable trend within this diverse market. Recent developments include: September 2023: Abu Dhabi Securities Exchange (ADX) collaborated with Sharjah Islamic Bank (SIB) to enhance and streamline access to Initial Public Offering (IPO) subscriptions for investors., March 2023: Aafaq Islamic Finance, a prominent provider of Shariah-compliant financial products and services, partnered with Rasmala, a distinguished regional investment management firm. This partnership aims to develop and broaden product offerings for Aafaq's clients, as well as to provide advisory services to Aafaq on its proprietary investment book.. Key drivers for this market are: Growing Muslim Population is Driving the Market. Potential restraints include: Growing Muslim Population is Driving the Market. Notable trends are: Growing Fintech Digital Sukuk.

The Kingdom of Saudi Arabia (KSA) Cash Management Services market, valued at $57.86 million in 2025, is projected to experience steady growth, driven by factors such as the increasing adoption of digital banking solutions, the expansion of the financial technology (FinTech) sector, and the government's ongoing initiatives to promote financial inclusion. The market's compound annual growth rate (CAGR) of 2.03% reflects a moderate but consistent expansion, suggesting a stable and predictable market environment. Key drivers include the rising need for efficient and secure cash management solutions among businesses of all sizes, particularly in the rapidly developing sectors like retail, tourism, and construction. The growth is further supported by the increasing demand for integrated cash management systems that offer comprehensive features, including automated payments, treasury management, and reconciliation services. While competition among established players like SAB, NCR Corporation, and others remains intense, opportunities exist for new entrants focusing on specialized niche solutions or innovative technologies. Regulatory changes and evolving customer expectations are likely to shape the market landscape in the coming years. However, the market faces certain restraints. These may include challenges related to legacy systems, cybersecurity concerns, and the need for robust digital infrastructure to support the growing demand for online cash management services. The market segmentation reveals a dynamic interplay between production, consumption, and international trade, with insights into import and export trends providing a comprehensive view of market dynamics. Analyzing price trends will be crucial in understanding the profitability of various segments and the overall market performance. Geographic analysis across North America, Europe, the Middle East & Africa, and Asia Pacific will unveil regional variations in market penetration and growth opportunities. The forecast period of 2025-2033 provides a long-term perspective on the market's evolution. The detailed regional breakdown, coupled with analysis of individual companies and their market positioning, will provide invaluable information for strategic decision-making. Recent developments include: February 2023 - Bank AlJazira and American Express Saudi Arabia signed a new partnership contract to provide American Express Cardmembers access to more than 600 ATMs nationwide. The agreement assists American Express Saudi Arabia's guarantee towards increasing the number of sites in which its Cardmembers can contact its services. By permitting ATM withdrawal transactions access to be processed more suitability, American Express Saudi Arabia pursues to strengthen its presence within the country and expand value assistance to its Cardmembers., December 2022 - In partnership with Visa, Saudi British Bank launched the SABB VISA Cashback Platinum Credit Card. This credit card is available to all customers for free for life. The card offers various features and rewards, including offers, rewards, and cashback of up to 10% of the value of purchases automatically deposited into the customer's account each month., November 2022 - American Express Saudi Arabia and Marriott Bonvoy launched the Marriott Bonvoy American Express Credit Card, the first credit card that offers lodging rewards in Saudi Arabia. The new card issued by American Express Saudi Arabia allows cardmembers to earn Marriott Bonvoy points on their daily spending while giving them exclusive benefits, offers, and experiences across Marriott Bonvoy's portfolio.. Key drivers for this market are: 4., Growing Demand For Automation and Optimization of Working Capital Among Various Retailers4.; Increasing Adoption of Debit and Credit Cards4.; Adoption of AI and Advanced Analytics to Predict Patterns In Cash Forecasting. Potential restraints include: 4., Growing Demand For Automation and Optimization of Working Capital Among Various Retailers4.; Increasing Adoption of Debit and Credit Cards4.; Adoption of AI and Advanced Analytics to Predict Patterns In Cash Forecasting. Notable trends are: Growing Demand For Automation and Optimization of Working Capital Among Various Retailers is Expected to Drive the Market.