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Saudi Digital Payments Reach 80% As Cash Use Shrinks

Visa data shows cards and mobile wallets dominate spending, with smartphones now driving a growing share of daily transactions.

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saudi digital payments reach 80% as cash use shrinks

Digital payments now account for 80% of all transactions in Saudi Arabia, according to Visa’s latest Where Cash Hides report, another marker of how quickly the Kingdom is moving away from cash.

The share is up four percentage points from a year ago. Around 67% of consumers are now largely non-cash users, paying mainly with cards or mobile wallets. Smartphones are taking a bigger role, with mobile payments making up 16% of transactions.

visa where cash hides saudi arabia 2026

Cash is retreating in routine spending. Eating out dropped 9%. Bill payments fell 8%, as shoppers opt for faster checkouts and app-based payments.

“The data shows a steady move toward digital payments in Saudi Arabia. Such progress is possible only because banks, fintechs, merchants, and technology partners are moving together in the same direction, in line with the Kingdom’s Vision 2030,” said Ali Bailoun, Visa’s Senior Vice President and Group Country Manager for Saudi Arabia, Bahrain, and Oman.

Also Read: UAE Users Sleep Less, But More Efficiently, ŌURA Data Reveals

Despite the recent findings, it’s important to note that cash hasn’t yet disappeared. It still shows up for tips (39%), peer-to-peer transfers (28%) and rent (14%).

Visa points to security features such as tokenization, along with rewards and cashback, as factors nudging more spending onto cards and phones — a shift that tracks with Saudi Arabia’s wider Vision 2030 push to digitize commerce.

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Spotify Will Now Tell You If Your Favorite Artist Isn’t Real

The streaming platform is introducing an “AI Personas” label and cutting AI-generated artist profiles from its recommendations.

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spotify will now tell you if your favorite artist isn't real
Spotify

These days, the question of whether the artist you’re streaming actually exists is no longer hypothetical. Spotify intends to combat this issue by introducing a label called “AI Personas” for artist profiles that present an AI-generated, human-like identity rather than a real person. More consequentially, it will also keep those profiles out of its editorial and algorithmic recommendations by default.

From mid-September, listeners will start seeing an AI Persona badge on artist profiles, appearing in the banner and About section, in Search, and on track rows across playlists. Tapping the badge reveals whether the artist disclosed the AI identity themselves, or whether Spotify’s review team made the determination after examining the profile.

That distinction matters, because Spotify is not relying on self-disclosure alone. Artists can flag their own profiles as AI Personas through Spotify for Artists as of today, but the platform will also review profiles whose public identity – including name and imagery – appears to represent photorealistic AI-generated identities. The rollout begins with artists who have met defined audience thresholds, so the labels cover the vast majority of profiles listeners actually visit. Artists badged by Spotify’s reviewers will be notified and can self-disclose or appeal, and in the coming months listeners will be able to report suspected AI Personas themselves.

Also Read: Shokz OpenFit Pro Review: Open-Ear Audio Finally Grows Up

The company’s recommendations policy is also being tweaked. Music from AI Personas will not surface in a listener’s personalized recommendations unless, for example, they follow the artist. Spotify says all artists have a creative choice in how they present themselves, but its programming is focused on elevating music from authentic artists building careers in music.

The badge concerns identity, not production of the music itself. An artist who uses AI tools to make music is a separate question, one Spotify addresses through AI Credits and SongDNA. The AI Persona label sits alongside those features, plus Verified by Spotify and Artist Profile Protection, in what the company has made one of its top priorities this year: letting listeners trust that the artist behind the music is who they claim to be.

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