Tadawulati: The Comprehensive Guide to the Tadawulati Platform

Tadawulati is an official electronic platform launched by the Saudi Financial Market (Tadawul) and the Saudi Depository Center, supervised by the Capital Market Authority. The platform aims to enable investors to monitor their investment portfolios instantly and transparently online, without the need for paperwork or direct communication with brokers. Tadawulati is part of the digital transformation strategy in the Kingdom, providing a central interface for accessing data on owned stocks, sukuk, and investment funds, while facilitating the issuance of ownership certificates and obtaining account statements and financial reports. Tadawulati supports individuals and institutions in managing their investments efficiently and enhances the level of trust and transparency in the financial market by updating data in real-time and linking all investment accounts of the investor in one platform.

The Tadawulati platform features several characteristics that make it an advanced option for investors in the Saudi financial market:

1. Investment Account Statement: Users can view their balances, track buying and selling transactions, subscriptions, and dividend distributions through a unified dashboard.
2. Issuance of Digital Certificates: The platform allows the issuance of a digital ownership certificate for stocks without any fees, eliminating the need for traditional paper certificates and enhancing security and speed of completion.
3. Financial Performance Reports: Investors receive periodic reports summarizing performance, dividend distributions, and details of financial transactions.
4. Data Updates: Personal and banking information (such as IBAN) can be easily modified to facilitate communication and dividend distribution.
5. Linking Investment Accounts: If an investor has accounts with multiple banks or brokers, they can link them all in one account on Tadawulati, providing a comprehensive view of the portfolio.
6. Integrated Support System: The platform provides direct channels for inquiries and complaints, with electronic tracking of the status until completion.
These services contribute to enhancing the quality of the investor experience and reducing the risks associated with data loss or human errors.

Registration on the Tadawulati platform is available to anyone who has a trading account (investment portfolio) with one of the approved banks or brokerage firms in Saudi Arabia. Registration can be done through the official website or mobile application (Android and iOS) by following these steps:
1. Visit the official Tadawulati website or download the app.
2. Enter the national ID or residency number, mobile number, and email address.
3. Link the investment account via the bank account number (IBAN) identified with the broker.
4. Complete identity verification using government authentication services (such as Absher).
5. Agree to the terms and conditions and set a strong password.
6. After confirmation, the account is ready for use, and additional portfolios can be added later using the same ID.
The registration process is free and secure, adhering to the cybersecurity standards approved in the Saudi financial market.

The Tadawulati platform provides investors with the ability to view investment account statements in real-time, displaying all financial movements in the linked portfolios. These statements include:
- Balances of stocks, bonds, sukuk, and investment funds.
- Details of buying and selling transactions, subscriptions, and ownership transfers.
- Dates and details of cash or in-kind dividend distributions.
- Summaries of portfolio financial performance over specific periods (quarterly, annually).
Reports can be downloaded in PDF or Excel format for retention or sharing with relevant parties. This service contributes to enhancing information clarity and supports informed investment decisions, while adhering to privacy and data protection standards.

One of the most prominent services of Tadawulati is the issuance of a digital ownership certificate for stocks, which can be easily requested through the platform without the need to visit branches or wait for paper transactions. Steps to issue the certificate:
1. Log into your Tadawulati account.
2. Select the "Issue Stock Certificate" service.
3. Specify the company or stocks requested and their quantity.
4. Submit the request, where the certificate is issued electronically within minutes.
5. The certificate can be downloaded as a PDF file and printed at any time.
The digital certificate is officially recognized and can be used as proof of ownership in official transactions. This service is free and aims to enhance the digital transformation in the Saudi financial market.

The Tadawulati platform allows investors to easily update their personal and banking data, contributing to ensuring accurate communication and speeding up dividend distribution processes. The data that can be modified includes:
- National address.
- Mobile number and email.
- Bank account number (IBAN) linked to the investment.
- Emergency contact information.
Data is updated through the account dashboard, with instant notifications sent when any information is modified. This update reflects directly with custodians (banks and brokers), reducing the chances of delays in receiving dividends or important announcements from listed companies.

Tadawulati provides an advanced support system that allows investors to submit inquiries and complaints directly through the platform. Requests related to login issues, data errors, or inquiries about services can be sent for electronic follow-up with the relevant depository center or custodian member. Features of this service include:
- The ability to raise complaints about dividend distributions or ownership transfers.
- Tracking the status of requests and inquiries via platform notifications.
- Access to a comprehensive knowledge base (FAQs) for solutions to common issues.
- Quick response, as regulatory authorities are committed to resolving issues within a short time frame to maintain investor trust.

One of the most important advantages of Tadawulati is the ability to link all investment portfolios of the investor across different banks and brokerage firms through a unified account. Once registered using the national ID number, the system automatically detects all investment accounts associated with that number and displays them on a single dashboard. This feature enables the investor to:
- Monitor total balances across all portfolios.
- Generate unified reports for all investments.
- Manage data updates for all accounts from one place.
- Reduce the need to log into multiple platforms, facilitating financial performance monitoring.
This feature supports transparency and simplifies portfolio management, especially for investors with diverse investments across multiple brokers.

Tadawulati significantly contributes to enhancing transparency and governance in the Saudi financial market. By providing ownership data and dividend distributions instantly and transparently, the platform reduces the risks of manipulation or data loss. It also allows investors to track every financial movement related to their portfolios and document transactions with certified digital certificates. The platform adopts strict security standards, such as two-factor authentication and data encryption, and complies with personal data protection laws in the Kingdom. Tadawulati is directly linked to the Capital Market Authority, ensuring full compliance with regulations and providing an effective framework for protecting investors' rights.

Tadawulati prioritizes information security and user data privacy, employing the latest encryption technologies and globally approved infrastructure. Security measures include:
- Two-Factor Authentication during login.
- Identity verification through government platforms (such as Absher).
- Data encryption during transmission and storage.
- Continuous monitoring of systems and cybersecurity penetration testing.
Tadawulati has obtained international certifications such as ISO/IEC 27001 and is subject to regular audits by regulatory authorities to ensure data protection according to international standards. All of this assures investors that their financial and personal data is kept confidential.

Recently, the Tadawulati platform has witnessed several technical and procedural updates aimed at improving user experience and enhancing security:
- Launch of upgraded mobile app versions with a more user-friendly and faster interface.
- Deeper integration with the Saudi digital identity system to expedite registration and verification.
- Enhanced support system for complaints and inquiries, with expedited processing of requests.
- Intensive awareness campaigns to increase registration of new investors.
- Compliance with international cybersecurity standards and obtaining global certifications.
- Reports from the last quarter indicate an increase in the adoption of digital certificates by over 80% compared to paper methods.
These developments affirm the regulatory authorities' commitment to ensuring the quality and ease of Tadawulati services in line with Vision 2030.

Tadawulati is part of the digital infrastructure of the financial services (FinTech) sector in Saudi Arabia, specifically within post-trade services. The platform acts as the central registry for securities ownership, similar to central depositories in global markets. Tadawulati contributes to enhancing individual participation in the market, facilitates ownership transfers and documentation, and supports government policies for digital transformation. It also raises investor awareness of their rights and encourages banks and brokers to develop their services, positively impacting market liquidity and efficiency.

There is no direct competing platform to Tadawulati in the Saudi financial market, given its structural role as a central entity for managing ownership data and dividend distributions. Some banks and brokerage firms offer portfolio tracking services for their clients, but they do not provide a comprehensive view or unified digital certificates for investors. There are also financial information platforms like "Argaam," "Tadawul," and "Mubasher," which provide analyses and financial news, but they do not manage ownership data or issue certificates. Emerging trading platforms are limited to order execution and do not have central records. Thus, Tadawulati remains the only official option for managing securities ownership electronically in Saudi Arabia.

Investors can maximize their benefits from Tadawulati by:
- Early registration and linking all investment portfolios in one account.
- Continuously updating personal and banking data to avoid delays in receiving dividends or announcements.
- Regularly reviewing account statements and financial reports to monitor any changes or distributions.
- Utilizing the technical support service when facing any issues or inquiries.
- Using digital ownership certificates in official transactions instead of paper documents.
- Keeping up with updates and news related to the platform to stay informed about technological developments.
Always emphasize the importance of consulting a certified financial advisor when making any investment decision based on the data available through Tadawulati.