An estimated 12-15 million man- were spent by customers waiting at bank branches to pay bills. SADAD has facilitated the migration of customers from physical to electronic channels, thereby delivering time and efficiency saves to the overall economy Banks and billers have built IT linkages on a bilateral basis for providing electronic bill payment services. This has created duplicated investments due to the proliferation of non-standard multiple interfaces. SADAD has helped to rationalize this through the development of a shared national infrastructure. SADAD has facilitated the development of secure and standard protocols related to business to consumer transactions over any electronic channels Although the initial focus of SADAD is facilitating standard bill payments, it is expected to provide the basis for developing a wide range of electronic services in the future The Saudi Government is aiming to introduce a wide range of e-government services. SADAD can provide a robust, scalable and flexible platform for a growth of future e-government services
