Banking Innovations | Emirates NBD

Dubaiit

Recognition

Ranked #1 for AI in the Middle East & Africa.

Emirates NBD leads the region on the Evident AI Index MEA 2026 – the independent benchmark of banks’ AI maturity.

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UAE Federal Government

Leadership

AI at the centre of how we serve customers.

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Margin Trade Facility

Partnership

Emirates NBD partners with Techstars to fast-track AI and FinTech innovation.

Driving faster innovation for customers through strategic global FinTech collaborations.

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#1

Evident AI Index (MEA)

100+

Active AI use cases in 2026

25 mn

customers served across the Group

13

countries and markets worldwide

Explore Innovation at Emirates NBD

Five ways into our Innovation journey.

Reports and news, our approach and outcomes, the people behind it, and the wider ecosystem - start anywhere.

Ai story

Innovation in Action

Our AI story, end to end.

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Events

Evident AI Index 2026

#1 in AI Middle East & Africa

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People & Capability

People & Capability

20,000 colleagues learning AI

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Digital Partnerships

Digital Partnerships

Partner. Invest. Innovate.

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research and news

In Focus

Reports, research & news

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How we do AI

AI you can trust.

Governed from the first idea to production, with people in the loop – across both how we deliver AI and how we adopt it. Eight principles, applied to every use case.

Explore our principles See how we work

Secure, governed AI in everyday banking

In Focus

Reports, research & news

Inside software engineering at Emirates NBD

Insights | Jul 2026

Turning Millions of Customer Conversations into Better Banking Experiences with AI

Emirates NBD Services and Emirates NBD Customer Experience

Why banks should build their own Agentic AI Framework

Insights | Jul 2026

Why banks should build their own Agentic AI Framework

By Emirates NBD Developer Experience

Case study

Case studies

Read the latest Emirates NBD innovation case studies.

Innovation happens through collaboration

Digital partnerships are central to how we accelerate innovation. Explore how we're building the future through our partnership ecosystem which includes fintechs, government, BigTech, academia, and startups.

Secure, governed AI in everyday banking

Miguel Rio Tinto, Group Chief Digital and Information Officer, Emirates NBD: “Technology will be the single most important driver of what will happen in banking in five to ten years. We are continuing on this journey of success enabled by technology innovation and everybody at the company understands that the experience for the customer has to be seamless and immediate.”

Marwan Hadi, Group Head of Retail Banking and Wealth Management, Emirates NBD: “As a digital banking leader in the region, Emirates NBD is committed to staying at the forefront of innovation in a rapidly evolving financial landscape, aligned with the Dubai Economic Agenda’s (D33) vision to position Dubai as the top four global financial hub by 2033.”

Ahmed Al Qassim, Group Head of Wholesale Banking, Emirates NBD: “Emirates NBD has always played an active role in accelerating digital innovation in the UAE and the wider region and continues to push the boundaries with initiatives such as the National Digital Talent Incubator (NDTI).”

Hesham Abdulla Al Qassim, Vice Chairman and Managing Director, Emirates NBD: “Electronic and social media banking combined with advances in artificial intelligence play a significant role in our business and have driven the most successful advancements in digital products and services in the UAE banking sector to date. Our superior IT architecture enables us to integrate new products and services effectively and efficiently to enhance our customer experience and convenience.”

Shayne Nelson, Group Chief Executive Officer, Emirates NBD: “Emirates NBD is building the ‘Bank of the Future’ by excelling at its core business whilst fulfilling its future potential. Our investment in technology and regional expansion, powered by a dynamic and agile workforce, is transforming Emirates NBD to harness future growth opportunities and create sustainable value for all our stakeholders.”

Eman Abdulrazzaq, Group Chief Operating Officer, Emirates NBD: “At Emirates NBD, innovation forms the cornerstone of all our initiatives. As a leading national bank, we are committed to fostering innovation through partnerships with the broader ecosystem, including fintechs, start-ups, academic institutions, and aspiring innovative talent, both regionally and globally.”

In the News

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Emirates NBD collaborates with Dubai Future District Fund to accelerate FinTech and AI innovation and enhance customer experiences

Emirates NBD collaborates with Dubai Future District Fund to accelerate FinTech and AI innovation and enhance customer experiences

Emirates NBD enables the region’s first real-time blockchain-based cross-border USD payments on Partior network

Emirates NBD enables the region’s first real-time blockchain-based cross-border USD payments on Partior network

Emirates NBD welcomes Chainlink to Digital Asset Lab

Techstars and Emirates NBD partner to accelerate enterprise-grade AI and FinTech solutions across the MENAT region

Emirates NBD announces third cohort of National Digital Talent Incubator (NDTI)® program

Emirates NBD ranked #1 in inaugural Evident AI Index for Banks – Middle East and Africa

Emirates NBD celebrates next generation of Emirati founders at NDTI® Founders Summit 2026

Emirates NBD celebrates next generation of Emirati founders at NDTI® Founders Summit 2026

Emirates NBD Completes Landmark Transaction with Largest Dual-Tranche Blue-Green Bond Issued by a Financial Institution Globally

Emirates NBD Completes Landmark Transaction with Largest Dual-Tranche Blue-Green Bond Issued by a Financial Institution Globally

08 January 2026

Emirates NBD Completes Landmark Transaction with Largest Dual-Tranche Blue-Green Bond Issued by a Financial Institution Globally

Emirates NBD issues Middle East's first AED-denominated digital bond on Euroclear’s D-FMI

19 January 2026

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