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Financial wellbeing is a state where a person has control over their finances and is able to make sound financial decisions to achieve their desired lifestyle, enabling feelings of security, confidence and overall wellbeing. Financial Wellbeing with Emirates NBD is a source of simple and engaging information to help you improve your financial knowledge and learn about different behaviors and trends.

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Podcast

Take control of your financial future with Financial Wellbeing with Emirates NBD podcast

Tune in for expert insights on budgeting, investing, saving, and more—and build the confidence to make informed decisions that pave the way to lasting wealth.

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Key topics that will help enable you to make better financial decisions

Helal Lootah

Savings

Saving for your future made easy!
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Latifa Bin Haider

Spending

Spending for your future made easy!
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Ahmed

Borrowing

Borrowing for your future made easy!
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Reem

Investing

Investing for your future made easy!
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Blogs

Blogs

Financial tips and behaviours!

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Glossary

Glossary

Download our glossary to familiarise yourself with different financial terms

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Budget planner

Budget planner

Download our budget tracker to start monitoring your expenses and savings

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Tim Mason is Managing Director and Head of Innovation at Deutsche Bank, where he leads the bank’s global AI program and enterprise-wide transformation efforts. With over 25 years of experience across banking, consulting, and tech strategy, he has played a key role in integrating generative AI across the organization to drive efficiency and innovation.

Tim has held several leadership roles since joining Deutsche Bank in 2010 and currently oversees the bank’s AI initiative, “Indra.” He previously worked with PA Consulting and led his own consultancy. He holds an MBA from Henley Management College and a degree in Industrial Design from Brunel University.

Daniele Magazzeni is the Chief Analytics Officer for the Commercial & Investment Bank at JP Morgan Chase, responsible for integrating advanced analytics and AI into business strategies. He focuses on advancing AI capabilities, reusing solutions across lines of business, fostering a culture of innovation, and ensuring regulatory compliance. Additionally, as the EMEA CAO, he accelerates analytics adoption and fosters innovation in Europe, the Middle East, and Africa, while engaging with regional stakeholders, regulators, and clients.

Previously, Daniele was Research Director in AI Research at JP Morgan, leading projects on AI capabilities and initiatives focused on optimization, risk management, and client behaviour. He also headed the Center of Excellence on AI Explainability and Fairness. Before joining JP Morgan, Daniele was an Associate Professor of AI at King’s College London and has published over 100 research papers and holds more than 40 patents.


Bruno Simioni is the Senior Director of CX & Gen AI Engineering at Nubank, one of the world’s largest digital financial services platforms, serving over 114 million customers across Brazil, Mexico, and Colombia. He implemented initiatives around Customer Experience, Generative AI, and Customer acquisition platforms. With a strong foundation in cloud architecture and LLMs, Bruno has built and scaled global tech capabilities that support over a million customers across Latin America in the banking,e-commerce, and retail industries.

Before Nubank, Bruno held leadership roles at CI&T where he spearheaded digital transformation projects for major brands such as Carrefour, Netshoes, and Nestlé. He is passionate about building event-driven, scalable systems and exploring cutting-edge technologies.

Bill Borden leads Microsoft's worldwide financial services business, driving the global industry strategy to support banking, capital markets, and insurance customers in their digital transformation and innovation. With over 20 years of experience in senior leadership roles at major U.S. banks like Bank of America and Citigroup, Bill is a recognized thought leader in financial services.

He holds a Bachelor of Science in electrical engineering from Cornell University and an MBA from Northwestern University's Kellogg School of Management. Bill is also committed to community service, serving on the boards of SoFi and HUB, and is a member of The Executive Leadership Council.

Dr. Werner Vogels is the Global Chief Technology Officer at Amazon.com, where he leads the company’s customer-centric technology vision and innovation strategy. A pioneer in cloud computing, he has been instrumental in shaping Amazon Web Services (AWS) into a global leader in scalable, reliable, and cost-effective infrastructure solutions.

Before joining Amazon in 2004, Dr. Vogels was a research scientist at Cornell University, focusing on distributed systems and enterprise computing. He holds a Ph.D. in computer science from the Vrije Universiteit Amsterdam and has authored numerous publications on scalable, fault-tolerant systems.

Farouk El Hamzawi is a seasoned technology and innovation leader, currently serving in a go-to-market role at OpenAI. With a strong background in digital transformation and product development, he has been instrumental in advancing AI initiatives and enhancing customer experiences.

Farouk’s expertise lies in leveraging cutting-edge technologies to drive innovation and operational excellence. His experience spans multiple industries, focusing on implementing strategic solutions that align with organizational goals and deliver value to stakeholders.

Larry Lerner is a Partner at McKinsey & Company, based in Washington, DC, where he advises global financial institutions on scaling digital and analytics capabilities to drive business performance. With over two decades of experience, Larry specializes in areas such as risk and fraud analytics, customer growth strategy, and enterprise-wide data transformations.

He has led major programs for top-tier banks, including helping a North American retail bank identify over $20 billion in deposit retention opportunities while accelerating marketing execution by over 60%. A frequent speaker and author, Larry is recognized for his work at the intersection of advanced analytics, strategy, and financial services innovation.

Ashish Rathi is the Group Head of Business Management and Governance,Wholesale Banking at Emirates NBD. With a robust background as a Chartered Accountant, Ashish brings extensive expertise in financial governance, strategic planning, and operational excellence. His leadership is pivotal in aligning business objectives with strategic initiatives, ensuring the bank’s competitive edge in the dynamic financial landscape.

Deepakchandran is the Group Head of Retail Products at Emirates NBD, where he leads the development and management of the bank’s retail banking portfolio, including cards, loans, and deposits. With over 18 years of experience in the retail banking sector, Deepak has been instrumental in driving product innovation and enhancing customer experiences. Under his leadership, Emirates NBD has strengthened its strategic partnerships, notably renewing its long-standing collaboration with leading global brands to offer customers enhanced travel benefits and personalized rewards.

Graeme Peake is the Chief Operating Officer of Emirates NBD Services, the shared services and operations arm of Emirates NBD Group. With over 30 years of experience in the banking industry across Australia, Asia, and the Middle East, Graeme has been instrumental in driving operational excellence and digital transformation within the organization

In his role at Emirates NBD Services, Graeme oversees a wide range of back-office operations, including contact center management, compliance, finance, international payments, trade finance, and retail credit operations. He is committed to enhancing customer experience through process optimization and the implementation of lean methodologies. Under his leadership, Emirates NBD Services has focused on fostering collaboration, innovation, and upskilling initiatives to meet the evolving needs of the financial services industry.

Ray Richardson is the Chief Data and Analytics Officer at Emirates NBD, where he spearheads the bank’s data-driven transformation initiatives. With a focus on leveraging advanced analytics and artificial intelligence, Ray has been instrumental in developing over 100 analytics models and expanding the analytics team to more than 70 professionals. His leadership has been pivotal in integrating analytics outcomes into existing business applications, enhancing the bank’s decision-making processes and operational efficiency.

Rohit Garg is the Group Head of Business Banking at Emirates NBD, bringing over 27 years of experience across South Asia, the Middle East, and Africa. With 18 years dedicated to SME banking, he has been instrumental in conceptualizing and launching the UAE’s first SME digital bank. Under his leadership, Emirates NBD has significantly enhanced its SME offerings, including the complete transformation of SME banking stack for swift digital onboarding and the launch of an exclusive VIP Privilege Program tailored for top-tier SME clients.

Simon Copleston is the Group General Counsel at Emirates NBD, a position he has held since January 2021. With over two decades of legal experience, including more than ten years in the UAE banking sector, Simon oversees the bank’s legal risk management and ensures the quality and delivery of legal services across the Group. His expertise spans banking, asset management, corporate finance, procurement, IT, real estate, treasury, regulation, and governance.

Simon Copleston is the Group General Counsel at Emirates NBD, a position he has held since January 2021. With over two decades of legal experience, including more than ten years in the UAE banking sector, Simon oversees the bank’s legal risk management and ensures the quality and delivery of legal services across the Group. His expertise spans banking, asset management, corporate finance, procurement, IT, real estate, treasury, regulation, and governance.

Vikram Sandhu is a seasoned digital banking leader with over two decades of experience in the financial services sector across Canada, APAC, and the MENA regions. Currently serving as the Group Head of Digital Experience & Transformation at Emirates NBD in Dubai, he leads initiatives focused on enhancing our digital banking capabilities, client experience and operational efficiency

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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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Alessandro Misiti is a seasoned executive advisor with over two decades of multinational experience, specializing in guiding board members and C-level leaders across the high-tech, telecommunications, financial services, and energy sectors. Currently serving as a Senior Executive Partner for the Middle East & Africa region, he focuses on driving large-scale digital transformations, fostering innovation, and incubating startups. His approach emphasizes a customer-first mindset, rapid execution, and cultivating entrepreneurial cultures within established organizations.
efficency1

This zone explores how GenAI is reshaping our user interactions through intelligent conversations, real-time feedback handling, smarter knowledge management and more.

1. Transforming customer interactions with, Conversational Banking 

“Experience GenAI enabled seamless conversational chat experience for instantly resolving customer queries”

Presenters: Ashish Kulkarni & Oleksandr Kovalenko

2. Enabling enterprise contextual search with, Ask Knowledge Management Pro

“Discover how GenAI is transforming the Bank’s knowledge management capabilities with a dynamic, intelligent Infobot”

Presenter: Mohamed Hamadelniel

3. Crafting smart review response with, Intelligent Reply

“See GenAI in action as it crafts smart response and insights for our customer reviews from Appstore”

Presenter: Ritu M

4. Interpreting sustainability insights with, ESG Assistant 

“Witness AI Enabled ESG Assistant as it drives conversations across our group websites”

Presenter: Ashish Bansal & Hakan Uzunoglu

5. Empowering RM conversations with, DigiAssist

See how GenAI empowers RMs with an intelligent call assistant that transcribes client conversations, identifies key actions and auto executes them, all in real time!

Presenter: Prashant Kumar & Reema Zaveri

efficency2

In this zone, you will explore how GenAI is optimizing internal workflows by reducing manual efforts and accelerating routine processes.

1. Discovering customer insights with, Public Domain Profiling

See how GenAI accelerates Compliance AML investigations by auto-generating snapshot profiles for individuals and entities using internal and public domain data”

Presenter: Sangeeta Chawla

2. Automating legal processes with, New Law - Summarisation

“Witness GenAI streamline legal processes through smart summarization and auto-populated entries”

Presenter: Abir Chamas, Ruba Rose Bukhatwa

3. Unlocking value from customer calls with, Value Voice

“Uncover insights from GenAI-powered call evaluations- spot trends, agent performance and more”

Presenter: Binnur Okumus

4. Uncovering legal intelligence with, XLaw

“See GenAI provide fast responses based on legal documents to resolve general legal queries””

Presenter: Osama Daoud

efficency3

This zone demonstrates how GenAI turning complex, unstructured data into meaningful insights that guide smarter business decisions

1. Leveraging data to discover leads with, SME Trade Insights

“Leveraging GenAI to extract lead insights from text documents for BUB Trade Specialists”

Presenter: Vernon Rakitha and Shailender Kidambi

2. Intelligently linking company profiles with, Name Matching for Transaction Network Analysis

“Utilizing GenAI for company name matching while mining for opportunities in our transaction network”

Presenter: Ibrahim Khamis

3. Analyzing key account sentiments with, EI PRB CX Sentiment Predictor

“Explaining advanced analytics models decision making in natural language through GenAI”

Presenter: Safya Al Awadi

efficency4

1. DenizBot

"Answering questions related to branch operations, regulations, organization and HR. Providing links to the contracts and firms used in worklows"

Presenter: Onur Özkan, Engin Kovancı

2. Deniz Yatırım Investment Assistant

"Live on teams, info about stock markets. Comparison with multilingual ability."

Presenter: Çağrı Aksu

3. Deniz Yatırım Investment Avatar

"Daily bulletin from an Avatar"

Presenter: Çağrı Aksu

4. I-Bot Translator

"Branches Live Assistant & Simultaneously Translation"

Presenter: Salih Eligüzel

5. Call Center Assistance

"End-to-end process smart assistant (summarization, recommendation etc.)"

Presenter: Orçun Barış Hanoğlu, Emin Ahmet Tanrıöven

6. Financial Analysis for Companies

"Enhancing credit decisioning with analyzing companies with Gen AI"

Presenter: Orçun Barış Hanoğlu, Emin Ahmet Tanrıöven