Prepared for: SIDF Executive Leadership
Subject: Data Integration Strategy for Client Portal Revamp
Date: January 2026
Decision Required: Choose between Individual Government APIs vs. SME Profile (Monsha'at) Integration
SIDF must decide how to access applicant business data for the new Client Portal. Two options exist:
Option A: Integrate directly with 10+ separate government APIs (Ministry of Commerce, SIMAH, ZATCA, GOSI, etc.)
Option B: Integrate with Monsha'at's SME Profile (unified API that aggregates all government data)
| Factor | Option A (Separate APIs) | Option B (SME Profile) |
|---|---|---|
| Implementation Time | 6-12 months | 1-2 months |
| Development Cost | SAR 500K - 1M | SAR 100K - 200K |
| Ongoing Cost/Year | SAR 100K - 150K | SAR 20K - 30K |
| Data Accuracy | Variable (self-reported + verified) | 99.9% (government-verified) |
| Applicant Time | 2-4 hours | 5-10 minutes |
| SIDF Staff Time/Application | 20 hours verification | 2 hours review |
| Strategic Value | Basic data only | Data + insights + benchmarking |
Bottom Line: SME Profile is 5x faster to implement, 5x cheaper, provides better data, and delivers strategic insights unavailable anywhere else.
When a company applies for an SIDF loan, we need to verify:
✅ Business Identity: Is this company real? (CR number, ownership, legal structure)