The Underwriter’s DeskIndependent concept visualization
THE APPROACH
Start with their problem. Show the product at work.
I’d give each audience a familiar problem to step into, then a practical way to explore how Stitch could address it.
A blocked application. A credit file waiting for an answer. A balance that needs explaining. A payment route that needs changing.
CONCEPT & DIRECTION Sheryar A. KhanPROJECT STATUS Independent proposal
01 / PRODUCT-LED INSTALLATIONS
Choose the audience.
Four proposed buying groups, based on Stitch’s public product pages. Buyer roles and activations are my recommendations.
01 / BANKS
The Missing Handoff
One customer. Too many handoffs.
WHO I WOULD INVITE
Heads of digital banking, onboarding and operations
4-minute hosted walkthrough
The Missing HandoffIndependent concept visualization
BEFORE / ILLUSTRATIVE FRICTION
A customer token moves between three disconnected desks. Each asks for the same information. A missing approval leaves the account waiting.
WITH STITCH / PROPOSED DEMO
Move the same token through a configured application, account-opening step and first funding event. Show the review branch and the corresponding ledger record.
01Apply02Review03Open04Fund
WHAT THE GUEST DOES
Pick a fictional customer. Find the stalled handoff. Rebuild the journey with three connected modules.
WHAT WE LEAVE WITH
A map of the bank’s onboarding bottleneck and a focused Applications + Deposits discovery session.
PRODUCTS
ApplicationsDepositsLedgers
USE CASES
Onboarding
THE QUESTION THAT STARTS THE CONVERSATION
“Where does a complete application stop moving?”
Build notes & product basis +
The installationTwo counters, three trays, one tablet and a magnetic customer token. A portable tabletop version works first.
The product basisApplications provides configurable onboarding workflows. Deposits supports account creation and funding. Ledgers records the resulting movements.
The Underwriter’s DeskIndependent concept visualization
BEFORE / ILLUSTRATIVE FRICTION
A desk of fictional application packs, spreadsheets and follow-up slips. The guest has to find the missing fact before the case can move.
WITH STITCH / PROPOSED DEMO
Run the same synthetic case through an Applications workflow, a configured decision rule and a Loans repayment schedule. Show an exception going to human review, then trace a repayment in Ledgers.
01Apply02Decide / refer03Disburse04Repay
WHAT THE GUEST DOES
Choose a digital-loan or BNPL scenario. Spot the missing document. Compare the handoffs with a connected workflow.
WHAT WE LEAVE WITH
One agreed workflow problem, its required data and a follow-up with the credit and product owners.
PRODUCTS
ApplicationsLoansLedgers
USE CASES
Digital loansBNPL
THE QUESTION THAT STARTS THE CONVERSATION
“Which step creates the most back-and-forth for your credit team?”
Build notes & product basis +
The installationTwo existing desks, printed synthetic case packs, a borrowed screen and four reusable stage tiles.
The product basisApplications supports decision rules and referrals. Loans covers origination, servicing and repayment operations. BNPL is a published Stitch use case.
Product leads, CTOs and finance / reconciliation teams
4-minute hosted walkthrough
Follow One RiyalIndependent concept visualization
BEFORE / ILLUSTRATIVE FRICTION
Three separate balance displays and receipt trays. A refund lands, but the guest has to reconstruct what changed and where.
WITH STITCH / PROPOSED DEMO
Move one token through a top-up, payment and refund. Reveal the linked transaction timeline and paired ledger postings at each step.
01Top up02Pay03Refund04Trace
WHAT THE GUEST DOES
Follow a synthetic SAR transaction. Trigger a refund. Identify the record that explains the updated balance.
WHAT WE LEAVE WITH
A shared view of the wallet’s reconciliation gap and a technical session on the money flow.
PRODUCTS
LedgersTransactionsDeposits
USE CASES
Digital wallets
THE QUESTION THAT STARTS THE CONVERSATION
“Can your operations team explain a disputed balance from one timeline?”
Build notes & product basis +
The installationOne token track, three balance counters, a paired-posting board and a small screen. Start with magnetic cards.
The product basisStitch describes wallet funding, spending and transfers. Its Ledgers product uses double-entry records, while Transactions handles payment processing.
Card-program leads, payments heads and solution architects
5-minute hosted walkthrough
The SwitchboardIndependent concept visualization
INSTALLATION STUDY / THE CARD THAT KNOWS ITS LIMITS
BEFORE / STAGED FRICTION
REQUEST
BALANCE
LIMIT CHANGE
RECONCILE
WITH STITCH / PROPOSED JOURNEY
StitchSYNTHETIC CARD / 0000
SPEND CONTROLS
CATEGORY
AMOUNT
CHANNEL
FUND→SET LIMITS→TEST→RECORD
PROPOSED SCENOGRAPHY / SYNTHETIC DATA ONLY / NOT A STITCH PRODUCT SCREEN
BEFORE / ILLUSTRATIVE FRICTION
Disconnected route boxes and manual approval cards. A new spending rule or unavailable route exposes the handoffs between systems.
WITH STITCH / PROPOSED DEMO
Configure a sample virtual card, test a spend control, then trace a permitted payment through a routing diagram and ledger entry. Compare two pre-approved route scenarios.
01Configure02Test03Route04Record
WHAT THE GUEST DOES
Set a limit. Try an allowed and a declined transaction. Switch the simulated route and explain what happens next.
WHAT WE LEAVE WITH
A card-control or routing requirement that Sales and Product can scope with the account.
PRODUCTS
CardsTransactionsLedgers
USE CASES
Virtual cardsRouting
THE QUESTION THAT STARTS THE CONVERSATION
“Which card rule or payment route is hardest to change today?”
Build notes & product basis +
The installationA magnetic route wall, virtual-card tiles, rule gates and a tablet. Start with a tabletop board.
The product basisCards supports configurable card programs and controls. Transactions provides a unified switch with rules-based routing. The exhibit is a conceptual walkthrough, not a resilience benchmark.
“Before” illustrates a fragmented workflow, not every institution’s current setup. All demonstrations use synthetic data and would be reviewed with Stitch’s product team. No live credit decisions or payment execution are implied.
02 / WHY START WITH UNDERWRITING
Why the Underwriter’s Desk goes first in Saudi and the UAE.
Underwriting sits where Vision 2030 financing goals meet day-to-day lender work. Credit is growing fast in both markets, and the decision behind each loan is still the slow, paper-heavy part. That makes it a pain point buyers recognise and a good first conversation to validate.
SAUDI ARABIA / SME LENDING GAP9.4% vs 20%
MSME loans were 9.4% of Saudi bank portfolios in 2024. The Vision 2030 target is 20%.
SAUDI ARABIA / MSME CREDITSAR 467bn
MSME credit facilities at end of 2025, up 33% from SAR 351.7bn a year earlier.
UAE / SME LENDING GAP9.5%
SME loans were 9.5% of bank facilities to commercial and industrial sectors in H1 2024 (AED 81.2bn).
Every figure is a public market figure from SAMA, CBUAE or press reports, with its year. These are market facts, not Stitch data and not results from this pilot.
SAUDI ARABIA / MSME SHARE OF BANK LOANS, 2024 (%)
20% Vision 2030 target
0%9.4% in 202420%
SAUDI ARABIA / MSME CREDIT FACILITIES (SAR BN)
351.7End 2024
467End 2025
+33%
UAE / CONSUMER SHARE OF BANK CREDIT, MAY 2025 (%)
28%
of UAE bank credit is consumer borrowing (AED 521bn, up 50% since end-2021).
HOUSEHOLD DEBT TO GDP, END 2024 (%)
Saudi Arabia
31%
UAE
30%
0%50% of GDP
WHY IT IS A REAL PAIN
01
Volume is growing faster than the processSaudi bank loans reached SAR 3.17tn in May 2025, up 16.28% year on year. UAE bank gross credit reached AED 2,570bn in December 2025, up 17.9%. More applications means more files to read.
02
The data to decide faster is opening upThe UAE Open Finance Regulation came into force on 10 July 2025 and covers loans, credit cards and accounts. SAMA runs an Open Banking Framework and a testing lab. Lenders can now pull permissioned data, if their workflow can use it.
03
New lenders have to underwrite from day oneSAMA licenses BNPL companies, with minimum capital of SAR 5m. Saudi finance companies held SAR 99.4bn in credit at Q2 2025, up 10.2%, about 3.1% of bank financing: small, growing, and buying systems.
WHY CREDIT CAN KEEP GROWING
+50%
UAE consumer borrowing, May 2025 versus end of 2021 (AED 521bn).
28%
of UAE bank credit is consumer borrowing.
31%
Saudi household debt to GDP at end of 2024. The UAE figure was 30%.
Product accent only: #3342FF. Website fonts verified in Stitch’s published styles. Arabic uses a supporting Arabic-capable font.
05 / THE WIDER EVENT PROGRAM
Six ways to bring the right people together.
The installations can live inside these formats. Start small, then reuse the strongest demonstration across dinners, workshops and exhibitions.
The Product FoundryIndependent concept visualization
01
The Product Foundry
Infrastructure is hard to picture. A physical workbench gives visitors a simple way to explore how a financial product fits together.
Experience & planning notes +
Choose a product brief. Move the modules. Ask a specialist to walk through the matching synthetic journey.
Useful output: A product blueprint and, where there is a fit, an agreed working session with Sales and Product.
Planning study
9 × 6 m open-sided footprint
Key object
Six financial-product modules
Pilot version
Portable tabletop kit + existing screen
Measure
Relevant use cases and meetings held
The Next Product TableIndependent concept visualization
02
The Next Product Table
A small dinner creates space for the questions that rarely surface on a conference floor. The conversation starts with a customer problem.
Experience & planning notes +
Share a product ambition, identify the operating constraint and compare perspectives with a carefully chosen group. Private questions stay private.
Useful output: An unattributed synthesis of useful themes. A separate follow-up is offered only when the guest wants it.
Planning study
12 seats / 90 minutes
Guest mix
8 guests + 4 relevant hosts and specialists
Pilot version
Existing private room + reusable paper kit
Measure
Guest relevance and requested next steps
One Product, LiveIndependent concept visualization
03
One Product, Live
One useful customer journey gives the launch a clear focus. The set supports the explanation and leaves room for technical questions.
Experience & planning notes +
Follow the need, watch the synthetic demonstration and choose a technical or commercial clinic afterwards.
Useful output: A clear capability story, reusable demonstration content and attended evaluation conversations.
Planning study
40-person format
Run of show
20-minute story, then clinics
Pilot version
Existing studio + modular frames
Measure
Evaluations attended and next steps agreed
The Decision RoomIndependent concept visualization
04
The Decision Room
A buying group needs a shared view of the problem. A movable blueprint makes boundaries, unknowns and owners visible to everyone.
Experience & planning notes +
Map the current journey, move the modules, test integration boundaries and record the decisions still needed.
Useful output: A jointly reviewed blueprint and evaluation plan with named owners and next actions.
Planning study
6 participants / 75 minutes
Key object
Sliding blueprint wall + decision log
Pilot version
Portable boards in an existing room
Measure
Buyer-confirmed evaluation progression
Signal SessionsIndependent concept visualization
05
Signal Sessions
A focused forum gives product, technology and operations leaders room to work on a decision. Each discussion has a clear purpose and a facilitator.
Experience & planning notes +
Choose a relevant track, work through a question and contribute only approved themes to the shared synthesis board.
Useful output: A useful playbook of approved insights, with optional clinics and Sales-owned follow-up where relevant.
Planning study
24–30 guests across three rooms
Tracks
Product / implementation / operations
Pilot version
Existing breakout rooms + reusable boards
Measure
Useful outputs and qualified follow-up
The SeamIndependent concept visualization
06
The Seam
The same design language should travel from invitation to conversation to follow-up. Practical objects give that identity a consistent physical form.
Experience & planning notes +
Equip hosts with a blueprint folio, notebook, question cards, modular cards and a simple staff overshirt. Use the tools throughout the experience.
Useful output: Consistent hosting and useful paperwork that can be revisited after the event.
Object family
Folio / notebook / question / modules / garment
Material approach
Matte paper and durable neutral fabric
Pilot version
One sample set before procurement
Measure
Practical use and host feedback
06 / THE FIRST TOUCHPOINT
A letter worth opening.
Textured stock. A dark envelope. A quiet, personal invitation.
The invitationIndependent concept visualizationA personal invitationIndependent concept visualization
The envelope, wax seal and generous type follow the supplied references. Grey replaces lavender, keeping the stationery in the same monochrome family as the page.
General and personalised concept versions. Dates and venue remain unconfirmed.
THE COMMERCIAL THREAD
Make it useful. Make the next step clear.
BeforeChoose the account, buying group and product problem with Sales.
DuringLet the guest work through the problem with a product specialist.
AfterAgree an owner and a next step. Measure workshops held and evaluation progress.
