Meet Rafi

Rafi starts with a Google search. He finds numerous influencer reviews and YouTube videos, but struggles to find real comparisons between the brands he's interested in - or get a clear picture of what his monthly payment would actually be.

He bought his current car - a 2-door coupé - second-hand a few years ago with some help from his family and a small bank finance. This time, he needs something practical, safe, and family-ready. But he's mostly unaware of the brands in that segment.

Rafi finds the automotive marketplace. He isn't a bank customer, but can immediately see the transparent pricing and filters for the brands he's interested in.

He uses the feature comparison to compare models from Jetour and Kia side by side - specs, safety features, monthly payments, everything laid out clearly for the first time.

On his way home from work, Rafi visits the Jetour dealership unannounced. He works out a deal with the salesman on the Jetour T2 - he loves the styling and interior functionality.

The safety features and comfort of the interior make up for the less sporty feel of his current coupé. This is the car for his growing family.

The dealership offers their in-house finance and quotes Rafi a profit rate, explaining the terms and what he'd pay monthly.

But Rafi remembers seeing a better monthly rate on the automotive marketplace - significantly lower than the dealer's in-house finance. He tells the dealer he'd prefer to finance through the bank instead. The dealer hands him a printed quote with a QR code. Rafi scans it.

The QR code prompts Rafi to download the mobile banking app. It opens and guides him through a streamlined onboarding process designed specifically for new customers who need auto finance.

Only the information relevant to the products he needs is requested. In a few taps, Rafi is returned to the checkout page of the automotive marketplace.

Rafi sees the quote details from Jetour, the available finance products, and a price calculator. He adjusts the terms to match his needs and selects Auto Finance as the product.

As a new customer, the bank needs additional documentation. This is seamlessly integrated into the checkout - Rafi clearly sees what he must provide and uploads his banking history and documents right there at the dealership.

Because Rafi selected auto finance, the bank requires a formal quote from the dealership. This is provided directly through the Drive Ninja platform to the bank's finance processing system - automatically, with no further interaction required from Rafi or the dealership.

The bank is presented with all information needed to make a credit decision.

The bank needs a couple of hours for diligence. This is communicated through the app, along with reassuring messaging - 99% of applications are approved within 60 minutes. The salesman assures Rafi the finance will come through quickly and starts preparing the car.

Just before arriving home, Rafi receives a push notification: his finance has been approved. He opens the app, reads and accepts the terms, finalizing his purchase.

The dealer calls to confirm everything, congratulate Rafi, and remind him to organize insurance - offering a quote from their preferred vendor.

But on the confirmation screen, Rafi already saw a personalized Takaful quote. He goes back into the banking app to avail the offer - completing his entire car-buying and insurance journey within the bank's ecosystem.