Best Mobile Banking App 2025: ANB
ANB redefines mobile banking with AI-powered hyperapp and robo-advisory - earning our Best Mobile Banking App Award.
Most mobile banking apps do the basics well enough. Transfers, balances, bill payments - the table stakes are largely commoditised. Arab National Bank decided that was not sufficient. In December 2025, the bank unveiled its "Segment of ONE" hyperapp, an AI-powered mobile platform that treats every customer as a unique segment.
The concept behind Segment of ONE is straightforward but ambitious: rather than grouping customers into broad categories and serving them generic experiences, the app uses AI to build an individualised profile for each user. This profile drives everything from the products displayed on the home screen to the financial advice offered and the timing of notifications.
At the centre of the experience is an AI-powered super relationship manager - a virtual advisor that combines the personalisation of a private banker with the scalability of a digital platform. The relationship manager analyses spending patterns, savings behaviour, and financial goals to provide proactive recommendations. It does not wait to be asked - it surfaces opportunities and alerts based on real-time analysis of each customer's financial position.
The integrated robo-advisory capability extends this further into wealth management. Customers can set investment goals, define risk tolerance, and receive algorithmically generated portfolio recommendations - all within the same app they use for everyday banking. This blurs the traditional boundary between retail and wealth management, making investment guidance accessible to a much broader customer base.
We selected ANB because the Segment of ONE concept goes beyond incremental app improvements. It represents a rethinking of what a mobile banking app should do. Most banks add features to their apps. ANB redesigned the underlying logic, making AI the foundation rather than an add-on.
The Saudi market is fiercely competitive in digital banking, with several institutions investing heavily in mobile-first experiences. ANB's hyperapp stands out because it delivers personalisation that customers can actually feel - not just in marketing claims but in the daily experience of using the app.
Visit ANB to learn more.
Assigned by Sebastien Parker, Senior Research Analyst, Global Banking Monitor, December 2025
