"With increasing customer digital adoption during the COVID-19 pandemic, we have accelerated the pace of investment in technology to support future growth. Our efforts as an early adopter of banking digitalisation and innovation, and best practice, have ensured that the Group continued to receive international recognition"

H.H. Shaikh Ahmed Bin Saeed Al Maktoum

Chairman, Emirates NBD

Vision

To be the most innovative bank for our customers, people and communities

Purpose

Create opportunities to prosper

Values

C

Collaboration

Collaborating with thought leaders who envision the future

O

Ownership

Taking ownership of initiatives and being a force for positive change

D

Drive

Embracing new ideas and implementing them effectively to drive change

E

Enterprising

Adopting an enterprising mindset by welcoming opportunities to innovate

Future Lab™

Our innovation powerhouse for FinTechs

Future Lab™ is our strategic think tank and testing centre dedicated to future-proof the Bank, and we achieve this through collaboration with leading industry players.

170

FinTechs engaged

65

Proof of concepts

06

Implementations

05

Accelerator engagements

Learn more and partner up with Future Lab™

Fostering partnerships for our future.

From government organizations to FinTechs, we are trusted by some of the best partners in the world to create industry-leading solutions that benefits the communities we serve.

Our case studies

Innovation takes initiative

Emirates NBD API Souq

Launch of API developer portal

We launched the region's most comprehensive and ready-to-use financial Application Programming Interface (API) developer portal 'Emirates NBD API Souq', providing FinTechs, developers and corporate clients with an all-in-one ecosystem to rapidly develop innovative financial solutions.

Know more

WhatsApp Banking

Banking is now just a chat away

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We’re constantly striving to make banking easier for you. That’s why we took our chat channel to WhatsApp. Emirates NBD Chat Banking via WhatsApp is a 24/7 secure way to get quick answers to your queries.

We took the hassle out of authentication

UAE PASS

We integrated our website with UAE PASS, the secure national digital identity and signature solution, enabling individual customers to seamlessly open a bank account using their UAE PASS credentials.

Smart Pass

Digital banking gets even more secure

With Smart Pass, we took digital banking security to a new level by replacing SMS authentication codes

mePay

Go cashless with mePay

We know how important your time is to you, so we do what we can to give some back to you. Transfer money in seconds to anyone in the UAE, even if they’re not an Emirates NBD customer, using just their mobile number. No need for an account number or IBAN.

Lemnisk

Putting our customers' needs first

We offer personalised solutions to our customers based on their browsing behaviour and preferences to ensure they can make an informed decision

Persado

An emotional, AI-driven content machine

With Persado, we have bridged the gap between digital and human emotions by creating content that appeals to different sentiments and sparks a reaction that prompts users to buy.

Delving into the Tech World at GITEX GLOBAL 2022

Being a digital-first bank, our participation demonstrated our strong commitment to banking innovation, as we joined global technology leaders and partnered with government and top tech brands, bringing visitors truly innovative events and experiences:

  • Xverse: in partnership with Decentraland, curated one of the world’s most immersive metaverse journeys, featuring Emirates NBD simulation of future banking
  • Global DevSlam: AWS and Hackmasters in partnership with Emirates NBD launched a one-day Global Hackathon at one of the largest developer events in the world
  • TalentConnect: tied in with Global DevSlam, with our Group HR team on-ground scouting for top industry talent and the brightest minds
Learn more
National Strategy for Artificial Intelligence 2031

National Digital Talent Program

Emirates NBD launches 'National Digital Talent Program' to support UAE's ambition to be a leader in Artificial Intelligence by 2031.

  • Program to nurture a pool of future-ready interns by 2025
  • Partners include Higher Colleges of Technology (HCT) and University of Sharjah (UoS)
  • Includes internship and talent bridge with Coders HQ aimed at building strong digital skill base for young Emiratis
  • Reflects the bank's commitment to support UAE’s National Strategy for Artificial Intelligence 2031
Watch Video
Expo 2020 Dubai

Showcasing 'Future Banking' to the world

At Expo 2020 Dubai, we showcased our pioneering vision for the future of global banking, championing inclusion, sustainability and new possibilities through our on-site presence 'Future Banking by Emirates NBD and Emirates Islamic', enabling millions of visitors from around the world to experience innovative and futuristic concept-driven banking exhibits that address future challenges.

To achieve this, 3 key design principles served as the foundation and guiding map:

  • Strategic alignment with the UAE's vision for the future
  • Relevance with EXPO 2020's motto of "Connecting Minds, Creating the Future" and theme on Opportunity, Mobility and Sustainability
  • Thought Leadership on agile & invisible banking.

Spanning 3,000 square foot in the Al Wasl Avenue, the Future Banking zone comprised five distinct pods each housing deeply immersive, interactive and engaging exhibits that shine light on the role that banks will play in fulfilling customers’ future needs, aspirations and goals. Led by our customer-centric philosophy, and developed in partnership with leading global players, each exhibit was designed to deliver meaningful and sustainable impact, leveraging emerging technologies, data, the power of ecosystems, and new business models and opportunities.

Learn more

Awards

A testament of our commitment to service excellence

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"As a digital-first banking Group, data intelligence is critical not only to our business operations but also in ensuring seamless customer interactions"

Suvo Sarkar
Senior Executive Vice President, RBWM, Emirates NBD

"The Group embarked on a digital transformation journey four years ago. During COVID-19, Emirates NBD was able to cope seamlessly with this transition and now 98% of all transactions are digital."

Hesham Abdulla Qassim Al Qassim
Vice Chairman and Managing Director, Emirates NBD

"We are delighted to strengthen our collaboration with the DIFC FinTech Hive for the fifth year, working towards our common goal of encouraging and supporting young promising FinTech start-ups."

Abdulla Qassem
Group Chief Operating Officer, Emirates NBD

"We are thrilled to be teaming up with a leading global innovation platform like Plug and Play."

Miguel Rio Tinto
Group Chief Information Officer, Emirates NBD

"We’ve experienced an increase in digital adoption and contactless payments now constitute 90% of all point-of-sale transactions. We upgraded our core technology platforms allowing greater agility and moved to 95% cloud native infrastructure. "

Shayne Nelson
Emirates NBD Group CEO

Key Milestones

2021

Voice Banking with Alexa

2020

Smart Pass rolled out

2019

Instant account opening on mobile phones

2019

WhatsApp Banking launched

2016

Eva, the region’s first chatbot, launched

2016

Future Lab™established

2016

Time-saving tablet banking app launched for branches

2016

First Interactive Teller Machine (ITM) launched

2015

Mobile cheque deposits made possible

2014

mePay launched

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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