TJL Raqeeb · Payment foresight and early help
See the hard month coming. Help arrives before the bill.
Raqeeb reads bills, payments, meters and the weather to see which homes will struggle, weeks before a bill is missed. It puts the right help in front of each one, with a person deciding and vulnerable homes protected.
Prepared for Saudi Energy · November 2026
The summer bill
A Saudi summer can double a home's bill. The hard month comes after.
Air conditioning takes a larger share of household electricity in the Kingdom than anywhere else, so bills climb with the heat. Most homes plan for it. For some, July lands on a budget that cannot stretch, and a payment slips a month or two later.
- Bills that surpriseA hot month or a corrected estimate can double a bill. Raqeeb forecasts it before it is issued.
- Difficulty that shows lateA missed payment is usually the first sign anyone sees. Raqeeb reads the earlier ones.
- One message for every homeThe same reminder reaches a home that forgot and a home that cannot pay. Raqeeb matches help to the reason.
Air conditioning's share of household electricity, the highest of any country, and the warming: Howarth et al., "Staying Cool in a Warming Climate", Climate 8(1), 2020 (KAPSARC).
Who we are
A Saudi deep-tech company, from the meter to the support call.
TJL builds the algorithms and the hardware they run on, here in the Kingdom, for energy, mobility and defence. We built Raqeeb end to end, from the data it reads to the screen a care agent works from.
- The nameRaqeeb, رقيب: the one who watches over. It watches the bills, so people can look after the homes.
- Built hereDesigned, built and run in the Kingdom, for Vision 2030 priorities.
- One ownerWhen something needs to change, one team changes every layer.
One summer, played twice
Same homes, same heat. A different autumn.
An example district of 360 homes, from May to October. Without Raqeeb, trouble shows when bills are missed. With it, the homes heading for a hard month are seen in May and offered help that fits, and about two in three take it.
- Seen in MayHomes whose July will land above what they can carry, and homes whose payments are slipping.
- Help that fitsA fixed bill, a payment plan, a home visit or a hardship referral, before anything is owed.
- No notice to a protected homeThose go to a person instead.
May · Seeing it coming
The July bill, seen in May.
Raqeeb reads each home's last twelve months of bills and payments, and the meter and the weather for the months ahead. Two forecasts come out, each with its reasons in plain words, so a person can check them.
- Whose bill will jumpFrom the meter and the heat to come: the bill, before it is issued.
- Who may struggle to payFrom the year's payments: late, part paid, a balance that grows.
- Reasons, not a black boxEvery score shows what is behind it, in the words an agent would use.
June · The right help
Same risk, different help.
A reminder helps a home that forgot. It does nothing for a home that cannot pay. Raqeeb matches the help to the reason, and a person approves it.
- Fixed billSaudi Energy's own fixed bill: the same amount each month, set from the last twelve.
- Payment planWhat is owed, split into instalments the home can carry.
- Efficiency home visitCooling settings, filters and shade, to bring the summer load down.
- Hardship referralTo the support a home is entitled to, before anything is owed.
- Proactive callBefore the bill, to explain it and agree a step.
July · Protected by design
Some homes wait for a person.
A home where someone depends on medical equipment cannot be handled like any other overdue account. Raqeeb flags it, holds every adverse step, and hands it to a person with a deadline.
- Never automaticRaqeeb never disconnects a home, reports a customer to a credit agency, or changes a tariff or a deposit.
- Always a personNo adverse step is taken without a person's review, and protected homes go to priority care.
- Flags on recordMedical equipment, disability support and registered hardship, kept with the customer record and checked before every step.
The Kingdom's electricity rules have barred cutting power to a home where a person's medical condition requires electricity (Saudi Gazette, 2014).
August · Region by region
Where the pressure is, down to the district.
Raqeeb's map shows where payment pressure and bill shock are building, from the region down to the neighbourhood, from Saudi Energy's own data. Any area with fewer than 15 accounts is withheld, so no household can be singled out.
Households by region: GASTAT, Census 2022. Boundaries: Natural Earth (public domain).
October · Checked every month
Did it work? Was it fair?
Every month, Raqeeb checks itself against what really happened: of the homes it flagged, how many did struggle, and which help worked. The same check runs for every group of customers, so no group is served worse than another.
- A person approvesEvery action Raqeeb proposes is approved by a person, at the level the action needs.
- Everything loggedEvery score, proposal and decision is kept in a log nobody can edit.
- Tested before trustedA new model runs watch-only beside the current one until it proves itself.
What we propose
Twelve weeks, one region. Last summer replayed, next summer met.
The data
Twenty-four months of de-identified billing, payment and meter data for one region, held to Saudi Energy's own rules.
A care team
A small customer-care team to act on what Raqeeb proposes, and to tell us what works.
A rule owner
Someone to set what Raqeeb may propose, who approves each step, and which homes are protected.
An IT contact
For the connections, starting with billing and payments, then the meters and the customer records.
What Saudi Energy gets
- 1
Summer 2026, replayed
Raqeeb run on last summer's data: which homes it would have seen, and how early.
- 2
Raqeeb live, measured
One care team using it, against a comparison group of homes it does not act on.
- 3
A plan for every region
The measured result, and what it takes to run Raqeeb across the Kingdom.
Measured: of the homes flagged, how many really struggled · arrears and homes back on terms, against the comparison group · no adverse step on a protected home without review · bill complaints
Help before the bill. Intelligence made in the Kingdom.
Raqeeb sees the hard month coming, puts the right help in front of each home, and keeps a person in every decision.