Alexandru Badulescu

Head of Payments and Lending, Digital Ventures

Alexandru Badulescu is Head of Payments and Lending within Digital Ventures at the Saudi National Bank, the Kingdom's largest bank by assets. He builds payment and credit propositions inside a digital venture structure rather than a traditional branch model: acquiring and merchant acceptance, wallets and account-to-account rails, embedded lending and instalment products at the point of purchase, and the risk, pricing and compliance frameworks each of them requires. The Saudi context gives the work its shape, with national payment infrastructure, open banking and instant settlement redrawing what a bank can offer a merchant and where a bank sits in the checkout.