Meet Rashid

Rashid knows exactly what he wants - a top-spec Toyota Land Cruiser. His current Land Cruiser is ten years old and it's time for an upgrade. No browsing needed.

He calls his long-standing contact at Al Abdulghani Toyota - a dealer he's bought from many times, for both his family and his business fleet. They arrange a visit.

At the showroom, Rashid doesn't need a test drive - he's been in plenty of Land Cruisers. But he wants to see this exact spec in person: the right colour, the right trim, every feature accounted for.

He walks around the vehicle, checks the interior details, and confirms - this is the one.

Rashid wants to trade in his old Land Cruiser. The dealer appraises it on the spot, and they negotiate a complete package - trade-in value, extras, and the final price for the new Land Cruiser.

The deal is agreed: Rashid will drive away today in his new car.

The dealer explains that if Rashid checks out through his banking app, the payment will be instant - and he'll earn loyalty points on the entire purchase, with no additional charges for paying by credit card.

Rashid scans the QR code. His mobile banking app opens immediately, showing the exact vehicle, the trade-in price, and the extras he negotiated with the dealer.

Rashid was planning to pay with a mix of credit card and cash, but the app presents him with a bank finance offer at a competitive rate. He decides to finance part of the purchase instead - a smarter use of his capital.

He can also see his loyalty points balance. He opts to redeem some for a further discount. The final payment is a combination of bank finance, loyalty points, and credit card - all completed in a few taps.

The dealer receives instant confirmation of the payment. While Rashid waits briefly, the team prepares the Land Cruiser for registration.

A short time later, Rashid is handed the keys and drives off in his new car - the entire purchase completed in a single visit, with financing, loyalty points, and payment all handled seamlessly through his bank.