Every year millions of people travel to Saudi Arabia for the Hajj and Umrah pilgrimage. One challenge they encounter as they embark on the holy pilgrimage is the need to carry the local currency, Saudi riyals. This often leads pilgrims to purchase riyals through unofficial channels at inflated rates or exchange their currency, resulting in additional costs and potential legal issues if they exceed cash limits at airports.
Recognising these obstacles, UmrahCash, a FinTech firm founded by William Phelps aims to solve these challenges, especially for pilgrims travelling from countries in West Africa and South Asia.
“There are really three main ways in many developing countries to actually access riyals, either you use networks which are unregulated and no guarantee of success, you carry large amounts of physical cash which gets you into legal issues or alternatively, you buy Saudi riyals in your home country for a hugely inflated price,” says Mr Phelps.
“What this does is, not only put pilgrims at risk, but also often double or triples the cost of the journey in the first place.”
The new app developed by the company is simplifying “pilgrimage finance” and providing “easy access to Saudi riyals” through technology eliminating the “black and grey markets, giving a transparent paper trail for the actual exchange process from home country to Saudi Arabia”.
Customers have to download the UmrahCash app on their phones and deposit money in their home currency by bank transfer using the virtual wallet. Once the travellers reach Saudi Arabia, they can approach one of the company’s agents based in Jeddah, Makkah or Madinah to receive the cash.
UmrahCash is currently active in Nigeria and is being run on a pilot basis in Niger. It aims to expand to countries in South and South-east Asia including India, Pakistan and Bangladesh by the end of the year as it expects demand for such services in those countries.
“What we've done basically is to digitise as much as we can in line with local regulations but at the same time, allow pilgrims to feel comfortable because they're still handling the cash as they are used to doing it.”
Mr Phelps, a UK citizen, worked in Saudi Arabia and Nigeria before launching the company. After graduating from Cambridge University in 2020, he worked as an equity derivatives broker in London for a year before moving to Lagos in Nigeria to work as an investment manager for Adaverse, a Web3 venture-focused fund for two years.
During his time in Africa, he managed more than 50 investments across 10 different African countries as part of his job.
He later moved to Riyadh to work for the same fund and oversaw the setting up of an accelerator programme to support tech-enabled companies in the kingdom.
While he was working in the kingdom, he decided to launch his own firm after noticing a “significant gap in the market, but there was also a very tangible pain point”, to address.
Any traveller going to Saudi Arabia can also use the app to obtain riyals but the company is targeting Hajj and Umrah pilgrims.
“UmrahCash in my view, is not just a commercial opportunity or a business. It’s an enterprise that actually adds tangible value to the experience of pilgrims and visitors to the kingdom.”
The positive investment climate in Saudi Arabia, the Arab world’s largest economy, also motivated him to launch the company.
“The Saudi market in general is incredibly dynamic. It's open for business and has really excellent government support from the top down. So what that means is that to start a company or start a business … is extremely well supported.”
Saudi Arabia is focusing on diversifying its economy away from oil and is encouraging more companies to operate in the kingdom as part of the Vision 2030 programme. It has brought in several reforms and simplified investment laws to attract more foreign direct investment into the kingdom.
Saudi Arabia hosted a combined 60 million international and domestic tourists in the first six months of the year, who spent 143 billion Saudi riyals ($38.1 billion) in the country, according to the Ministry of Tourism.
The Saudi government “is doing excellent work to encourage both local and foreign entrepreneurship, make it easier to establish companies and running a number of programmes, accelerators, incubators, etc, to enable local entrepreneurs to better scale and develop products for the Saudi market”.
UmrahCash, which has offices in Jeddah and Nigeria has recently secured $500,000 worth of investment from Adaverse, a Saudi-based venture fund and plans to raise more money by the end of the year as it looks to scale up its operations and expand in different countries.
“We see the bulk of opportunity in South and Southeast Asia, so we would look at not only developing infrastructure there, incorporating companies but actually pushing the products into markets with similar issues.”
The company has processed $1 million worth of transactions since its establishment this year, he says.
Q&A with William Phelps, founder, UmrahCash:
What new skills have you learnt in the process of starting this company?
I wouldn't describe it as a new skill but one thing that I think is very important to consider with respect to UmrahCash is the sensitivity of the market in which it operates. It's not only a FinTech company that processes cross-border payments, but it's also a fundamental service provider within Hajj and Umrah. So really, what we've been very careful to do and what I've spent a lot of time doing is regulatory and stakeholder alignment. I think in comparison to other projects I've worked on, or maybe other sectors, I've looked at, what I've really had to focus on is slow and steady growth, so developing in a way which is meaningful and purposeful and ensuring that execution is extremely precise.
What is your advice to budding entrepreneurs?
I would say that in Saudi Arabia, in particular, now is a better time than ever to do so. It's incredibly dynamic with a lot of opportunities ... there's a huge amount of resources in both the public and private sectors to take advantage of. If you are a resident or a Saudi citizen, I would encourage you to take a plunge and take advantage of everything which is currently in the market and available to you. But as the adage goes, a journey of a thousand miles begins with a single step, so you have to be in it to win it.
Where do you see yourself in five years?
I would hope to make further contributions to tangible pain points, whether in FinTech or outside of it, but hopefully by that point, UmrahCash and its related infrastructure to something more tangible and a corporate entity.
What successful start-ups do you wish you had started?
I'm a great believer in the fact that start-ups and any company really should solve tangible pain points. So to a certain extent, I'm happy to be working in the market that I am, simply for the reason that, as mentioned, it's a really tangible issue that we're solving with quite a tangible solution. I would say, there aren't many start-ups, I wish I'd started but what I can say is I wish I started this earlier but I am glad to be where I am now.
Are you a risk taker or a cautious entrepreneur?
I would say I have a healthy risk appetite, but I think within any company, there does need to be a good measure of risk aversion. I am always very keen when building teams or working with, for example, co-founders or colleagues to ensure that I have a good mixture of both those … more dynamic in the face of risk and those who are more grounded and risk-averse. I would probably put myself more in the camp of being risk-averse and cautious but I don't think it's possible to grow a business without some degree of dynamism.
What is your mantra for success?
I probably can't summarise it too punctually, but sort of taking the plunge and being a first mover. I think that the best businesses and the best opportunities are those that exist in previously unexplored spaces … looking at markets and sectors and verticals critically and entering them from an unexplored angle in my view is always a recipe, maybe not necessarily for great success, but certainly for interesting outcomes.
Who is your role model?
Lee Kuan Yew, former Prime Minister of Singapore and my second choice is Saudi Arabia's Crown Prince Mohammed bin Salman. I admire their work in simultaneously modernising but also preserving their societies and their systems and their nations. And it's an approach which I take really to heart when building companies and looking at start-ups, which is the extent to which you can, on the one hand, revolutionise but on the other hand, work within existing patterns of user behaviour and what sort of (things) customers are comfortable with. Having that kind of synergy between modernisation on the one hand and preservation on the other is something which to me is really admirable and I think a great recipe for success.
Company Profile:
Company Name: UmrahCash
Founder: William Phelps
Sector: FinTech
Date Started: 2024
Based in: Jeddah in Saudi Arabia and Kano in Nigeria
Number of Staff: 10
Investment Amount Raised So Far: $500,000
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MOUNTAINHEAD REVIEW
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Director: Jesse Armstrong
Rating: 3.5/5
The specs
Engine: 2.0-litre 4cyl turbo
Power: 261hp at 5,500rpm
Torque: 405Nm at 1,750-3,500rpm
Transmission: 9-speed auto
Fuel consumption: 6.9L/100km
On sale: Now
Price: From Dh117,059
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Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone
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The biog
Favourite food: Tabbouleh, greek salad and sushi
Favourite TV show: That 70s Show
Favourite animal: Ferrets, they are smart, sensitive, playful and loving
Favourite holiday destination: Seychelles, my resolution for 2020 is to visit as many spiritual retreats and animal shelters across the world as I can
Name of first pet: Eddy, a Persian cat that showed up at our home
Favourite dog breed: I love them all - if I had to pick Yorkshire terrier for small dogs and St Bernard's for big
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Man of the Match: Benjamin Pavard (Bayern Munich)
In-demand jobs and monthly salaries
- Technology expert in robotics and automation: Dh20,000 to Dh40,000
- Energy engineer: Dh25,000 to Dh30,000
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Liverpool's all-time goalscorers
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Roger Hunt 285
Mohamed Salah 250
Gordon Hodgson 241
Billy Liddell 228
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The lowdown
Badla
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Produced by: Red Chillies, Azure Entertainment
Director: Sujoy Ghosh
Cast: Amitabh Bachchan, Taapsee Pannu, Amrita Singh, Tony Luke
Polarised public
31% in UK say BBC is biased to left-wing views
19% in UK say BBC is biased to right-wing views
19% in UK say BBC is not biased at all
Source: YouGov
What is Reform?
Reform is a right-wing, populist party led by Nigel Farage, a former MEP who won a seat in the House of Commons last year at his eighth attempt and a prominent figure in the campaign for the UK to leave the European Union.
It was founded in 2018 and originally called the Brexit Party.
Many of its members previously belonged to UKIP or the mainstream Conservatives.
After Brexit took place, the party focused on the reformation of British democracy.
Former Tory deputy chairman Lee Anderson became its first MP after defecting in March 2024.
The party gained support from Elon Musk, and had hoped the tech billionaire would make a £100m donation. However, Mr Musk changed his mind and called for Mr Farage to step down as leader in a row involving the US tycoon's support for far-right figurehead Tommy Robinson who is in prison for contempt of court.
Tamkeen's offering
- Option 1: 70% in year 1, 50% in year 2, 30% in year 3
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
ENGLAND SQUAD
Goalkeepers: Jack Butland, Jordan Pickford, Nick Pope
Defenders: John Stones, Harry Maguire, Phil Jones, Kyle Walker, Kieran Trippier, Gary Cahill, Ashley Young, Danny Rose, Trent Alexander-Arnold
Midfielders: Eric Dier, Jordan Henderson, Dele Alli, Jesse Lingard, Raheem Sterling, Ruben Loftus-Cheek, Fabian Delph
Forwards: Harry Kane, Jamie Vardy, Marcus Rashford, Danny Welbeck
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The biog
Name: Maitha Qambar
Age: 24
Emirate: Abu Dhabi
Education: Master’s Degree
Favourite hobby: Reading
She says: “Everyone has a purpose in life and everyone learns from their experiences”
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10 tips for entry-level job seekers
- Have an up-to-date, professional LinkedIn profile. If you don’t have a LinkedIn account, set one up today. Avoid poor-quality profile pictures with distracting backgrounds. Include a professional summary and begin to grow your network.
- Keep track of the job trends in your sector through the news. Apply for job alerts at your dream organisations and the types of jobs you want – LinkedIn uses AI to share similar relevant jobs based on your selections.
- Double check that you’ve highlighted relevant skills on your resume and LinkedIn profile.
- For most entry-level jobs, your resume will first be filtered by an applicant tracking system for keywords. Look closely at the description of the job you are applying for and mirror the language as much as possible (while being honest and accurate about your skills and experience).
- Keep your CV professional and in a simple format – make sure you tailor your cover letter and application to the company and role.
- Go online and look for details on job specifications for your target position. Make a list of skills required and set yourself some learning goals to tick off all the necessary skills one by one.
- Don’t be afraid to reach outside your immediate friends and family to other acquaintances and let them know you are looking for new opportunities.
- Make sure you’ve set your LinkedIn profile to signal that you are “open to opportunities”. Also be sure to use LinkedIn to search for people who are still actively hiring by searching for those that have the headline “I’m hiring” or “We’re hiring” in their profile.
- Prepare for online interviews using mock interview tools. Even before landing interviews, it can be useful to start practising.
- Be professional and patient. Always be professional with whoever you are interacting with throughout your search process, this will be remembered. You need to be patient, dedicated and not give up on your search. Candidates need to make sure they are following up appropriately for roles they have applied.
Arda Atalay, head of Mena private sector at LinkedIn Talent Solutions, Rudy Bier, managing partner of Kinetic Business Solutions and Ben Kinerman Daltrey, co-founder of KinFitz
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Results
4pm: Al Bastakiya – Listed (TB) $150,000 (Dirt) 1,900m; Winner: Panadol, Mickael Barzalona (jockey), Salem bin Ghadayer (trainer)
4.35pm: Dubai City Of Gold – Group 2 (TB) $228,000 (Turf) 2,410m; Winner: Walton Street, William Buick, Charlie Appleby
5.10pm: Mahab Al Shimaal – Group 3 (TB) $228,000 (D) 1,200m; Winner: Canvassed, Pat Dobbs, Doug Watson
5.45pm: Burj Nahaar – Group 3 (TB) $228,000 (D) 1,600m; Winner: Midnight Sands, Pat Dobbs, Doug Watson
6.20pm: Jebel Hatta – Group 1 (TB) $260,000 (T) 1,800m; Winner: Lord Glitters, Daniel Tudhope, David O’Meara
6.55pm: Al Maktoum Challenge Round-1 – Group 1 (TB) $390,000 (D) 2,000m; Winner: Salute The Soldier, Adrie de Vries, Fawzi Nass
7.30pm: Nad Al Sheba – Group 3 (TB) $228,000 (T) 1,200m; Winner: Final Song, Frankie Dettori, Saeed bin Suroor
UAE currency: the story behind the money in your pockets
Men’s singles
Group A: Son Wan-ho (Kor), Lee Chong Wei (Mas), Ng Long Angus (HK), Chen Long (Chn)
Group B: Kidambi Srikanth (Ind), Shi Yugi (Chn), Chou Tien Chen (Tpe), Viktor Axelsen (Den)
Women’s Singles
Group A: Akane Yamaguchi (Jpn), Pusarla Sindhu (Ind), Sayaka Sato (Jpn), He Bingjiao (Chn)
Group B: Tai Tzu Ying (Tpe), Sung Hi-hyun (Kor), Ratchanok Intanon (Tha), Chen Yufei (Chn)
The specs
Engine: 4.0-litre flat-six
Torque: 450Nm at 6,100rpm
Transmission: 7-speed PDK auto or 6-speed manual
Fuel economy, combined: 13.8L/100km
On sale: Available to order now
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Where to donate in the UAE
The Emirates Charity Portal
You can donate to several registered charities through a “donation catalogue”. The use of the donation is quite specific, such as buying a fan for a poor family in Niger for Dh130.
The General Authority of Islamic Affairs & Endowments
The site has an e-donation service accepting debit card, credit card or e-Dirham, an electronic payment tool developed by the Ministry of Finance and First Abu Dhabi Bank.
Al Noor Special Needs Centre
You can donate online or order Smiles n’ Stuff products handcrafted by Al Noor students. The centre publishes a wish list of extras needed, starting at Dh500.
Beit Al Khair Society
Beit Al Khair Society has the motto “From – and to – the UAE,” with donations going towards the neediest in the country. Its website has a list of physical donation sites, but people can also contribute money by SMS, bank transfer and through the hotline 800-22554.
Dar Al Ber Society
Dar Al Ber Society, which has charity projects in 39 countries, accept cash payments, money transfers or SMS donations. Its donation hotline is 800-79.
Dubai Cares
Dubai Cares provides several options for individuals and companies to donate, including online, through banks, at retail outlets, via phone and by purchasing Dubai Cares branded merchandise. It is currently running a campaign called Bookings 2030, which allows people to help change the future of six underprivileged children and young people.
Emirates Airline Foundation
Those who travel on Emirates have undoubtedly seen the little donation envelopes in the seat pockets. But the foundation also accepts donations online and in the form of Skywards Miles. Donated miles are used to sponsor travel for doctors, surgeons, engineers and other professionals volunteering on humanitarian missions around the world.
Emirates Red Crescent
On the Emirates Red Crescent website you can choose between 35 different purposes for your donation, such as providing food for fasters, supporting debtors and contributing to a refugee women fund. It also has a list of bank accounts for each donation type.
Gulf for Good
Gulf for Good raises funds for partner charity projects through challenges, like climbing Kilimanjaro and cycling through Thailand. This year’s projects are in partnership with Street Child Nepal, Larchfield Kids, the Foundation for African Empowerment and SOS Children's Villages. Since 2001, the organisation has raised more than $3.5 million (Dh12.8m) in support of over 50 children’s charities.
Noor Dubai Foundation
Sheikh Mohammed bin Rashid Al Maktoum launched the Noor Dubai Foundation a decade ago with the aim of eliminating all forms of preventable blindness globally. You can donate Dh50 to support mobile eye camps by texting the word “Noor” to 4565 (Etisalat) or 4849 (du).
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The specs
Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
Price: From Dh139,000
On sale: Now
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Yas Gateway Park
Delma Park
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Zayed Sports City
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Zabeel Park
Al Nahda Pond Park
Mushrif Park
Safa Park
Al Mamzar Beach Park
Al Qudrah Lakes
Labour dispute
The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.
- Abdullah Ishnaneh, Partner, BSA Law
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Results
2.30pm: Handicap (PA) Dh40,000 1,700m; Winner: AF Mezmar, Adam McLean (jockey), Ernst Oertel (trainer).
3pm: Maiden (PA) Dh40,000 2,000m; Winner: AF Ajwad, Tadhg O’Shea, Ernst Oertel.
3.30pm: Handicap (PA) Dh40,000 1,200m; Winner: Gold Silver, Sam Hitchcott, Ibrahim Aseel.
4pm: Maiden (PA) Dh40,000 1,000m; Winner: Atrash, Richard Mullen, Ana Mendez.
4.30pm: Gulf Cup Prestige (PA) Dh150,000 1,700m; Winner: AF Momtaz, Saif Al Balushi, Musabah Al Muhairi.
5pm: Handicap (TB) Dh40,000 1,200m; Winner: Al Mushtashar, Richard Mullen, Satish Seemar.
