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SME Sector: The Powerhouse of Progress Backed by Agile Policies

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An in-depth analysis of the SME ecosystem in the UAE. The article also attempts to give insights into the comprehensive revival efforts and agile policies put in place by the national government to uplift SMEs from pandemic distress and financial constraints.

Small and medium enterprises (SMEs) are observed as the backbone of all economies across the world. Not only do they have the remarkable potential to lead innovation, create jobs, fuel economic growth, and expand the tax base but also can play a crucial role in social cohesion. However, their existence and survival were facing questions since the COVID-19 pandemic hit. Many of them had to hibernate their operations for an uncertain period due to the disconnection of resources and supply-chain networks, owing to lockdowns in the South Asian countries and Europe.

The United Arab Emirates (UAE), has always been a frontrunner in showing its remarkable potential to host micro, small, and medium-sized enterprises (MSME) in its economy. The “UAE National Agenda,” presented in 2014 leading to the UAE Vision 2021 had categorically explained about creating a “Competitive Knowledge Economy” and signaled the country’s interest to reduce petrochemical dependence.

According to the Ministry of Economy, “SMEs represent 87 percent of the companies in the UAE and constitute 86 percent of the private sector’s workforce.” The sector, combining manufacturing, service, and trade, contributes over 52 percent to UAE’s non-oil GDP.

The Crisis Phase and Revival Efforts

The Central Bank of the UAE (CBUAE) has been actively surveying, studying the MSME sector, and figuring out possible options to help each category of enterprise to recover from challenges and financial constraints. Such surveys are regularly conducted in developed economies and the UAE is seemingly upfront in these actions that potentially enhance opportunities in the business sector.

Reports of CBUAE, chambers of commerce in emirates, various other agencies accelerated the government efforts to protect the SME sector in the extremely turbulent year of 2020. The UAE government’s agility in terms of creating and revising policies was visible enough. Business support, economic stimulus packages, service fee reductions, and utility price reduction combinedly worked to rescue the vulnerable SME sector and the country stood above its counterparts in the GCC.

UAE Ministry of Economy’s Cabinet Resolution 2020 to slash the fees of government services include licensing, renewal, and trademark, Ministry of Human Resources and Emiratization’s financial and administration protection from, and Prime Minister’s “agile, flexible, and speedy government” policy are the notable ones.

Banks for Small and Medium Businesses

The CBUAE survey concluded stating, “The surveys show challenges for MSMEs related to the absence of audited accounts, lack of collateral, in tandem with limited use of the services of the Credit Bureau and credit export insurance, which inhibit companies’ access to finance, thereby revealing areas where reforms are expected to have the biggest impact on improving the UAE MSMEs ecosystem.” The finding of the survey had played a crucial role in the UAE government’s mission to rescue SMEs and instructing banks to start flexible lending and insurance schemes for small and medium-sized businesses.

Acting upon the government’s interest, most of the financial institutions in the UAE created tools that will mitigate their risk connected with SME lending. Leading banks in the country including Emirates NBD, FAB, Mashreq, and RAK, offer business accounts, flexible remittance, digital solutions, financing, and personal services to SMEs.

Insights into SME-specific schemes, policies, and loans in the UAE banks:

Emirates NBD’s SME-Specific Package:

The bank convenes Multaqa that helps SME owners and entrepreneurs hear from industry experts and networks. It had announced a customized business banking package in 2020 for UAE-based SMEs and startups that features preferential pricing and privileges on transactions, working capital, trade finance, FX, and commercial loans, cementing the bank’s commitment to supporting the future growth and development of companies registered to do business with Expo 2020 Dubai.

Mashreq Business Banking

Mashreq offers business account solutions to SMEs include 25-30 percent discounts on trade transaction fees, free online remittance for currency transfers, unlimited checkbooks, business debit cards, flexible deposits, and tailored services for selected businesses besides sophisticated digital banking services.

RAKstarter SME Account

For budding entrepreneurs and startups, RAK bank provides zero-balance business accounts. RAKstarter accounts are available in AED, US Dollars, Euro, and Pound Sterling (GBP) currencies. The bank also claimed to provide business financing and attractive foreign exchange rates. Businesses own accounts at RAK bank can also avail low-cost mobile POS machine at preferential pricing.

FAB’s SME Growth Loans

After the announcement of Abu Dhabi government on expanding the SME Credit Guarantee scheme to prioritize and increase SME’s access to financing in the Emirate, First Abu Dhabi Bank (FAB) started to provide easy financing options to SMEs, improving their ability to withstand market fluctuations.

SME Growth Loan benefits from FAB

  • Working capital facility for three months duration
  • Term loans of up to 4 years duration
  • Competitive interest rates
  • Easy documentation
  • Quick turnaround time

All qualified SMEs registered as LLC, FZEs, Sole Proprietorship, Partnerships & Branches of foreign companies, and operating in Abu Dhabi (onshore and offshore) in the categories of trading, manufacturing, and services are entitled to get the loan benefits.

Robust Technology Solutions for SMEs

SMEs need the support of cutting-edge technology in their business environment. The presence of sophisticated hardware and competent software not only make customer engagement highly productive but also save process cost. A well-thought-out plan should be made before procuring technology solutions of any kind.

The unprecedented pandemic hit led companies to start hybrid work, where a large percent of the workforce does their job remotely. Similarly, virtual interactions, even on business levels, have become a common practice. Hence, the IT solutions providers started tailoring their products based on the need of businesses. The integration of AI, cloud computing, cyber security, remote work solutions, and customer engagement tools is essential for SMEs to strive for success.

When it comes to procuring hardware solutions, SMEs should rely on robust and sturdy solutions to reduce down the situation and following business impact. The cost could be a major factor in the selection of hardware resources; however, reliability shouldn’t be questioned. Both open and closed sources have solid software programs to handle the entire enterprise activities. No matter what, adequate technical, installation, and training support should be demanded when it comes to choosing a vendor or system integrator.

Here’s a list of a few solutions that SMEs should go for or strengthen to become competent in the market:

  • Enterprise
  • Hybrid-Work
  • Communication
  • Supply and Logistics
  • Workforce Management
  • Cloud and Cyber Security
  • Data Collection and Analytics

SMEs’ Reliance on Logistic Services

Nearly 70 percent of the UAE enterprises, mostly SMEs, trade their goods globally than locally. The ongoing digitization of logistic and supply-chain operations on par with the evolution of supporting technologies level the playing field for them. In addition, the geographical placement of the country added advantage for businesses to reach nearly half of the world population. The transformative growth and burgeoning investments in the e-commerce sector also seeding new hopes.

Here are some of the logistic options that businesses can choose from.

Road freight: It is one of the traditionally competitive logistic segments and it has a well-maintained infrastructure in the UAE. However, it required more efficiency and better technological support

Air freight: Most SMEs rely on air freight services, through which goods can travel almost two-thirds of the world population in eight hours from the UAE

Sea freight: For transporting heavy and large quantities of goods, sea freight becomes the only option.

Including several home-grown ones, there is a large number of logistics and shipping companies, DP World, Tristar Logistics, DSV, FedEx, DHL, Aramex, and Fetchr to name a few, operate in the UAE with tailored services for SMEs. Most of them offer road, air, and sea freight services.

To conclude, the COVID-19 pandemic had a lot of lessons for the SME ecosystem that includes enterprises, solutions providers, financial institutions, and logistic companies. All of these sectors consistently need to exchange values for common good. Existence in these sorts of turbulent times is possible only when effective integration and communication happen!

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PLAUD Note Pro: This Tiny AI Recorder Might Be the Smartest Life Upgrade You Make!

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By Srijith KN

I’ve been using the Plaud Note Pro for over three months now, and this is a device that has quietly earned a permanent place in my daily life now. Let me walk you through what it does—and why I say that so?

Well at first I thought this wasn’t going to do much with my life, and by the looks of it Plaud Note Pro looks like a tiny, card-sized gadget—minimal, unobtrusive to carry it around.

With a single press of the top button, it starts recording meetings, classes, interviews, or discussions. Once you end your session, the audio is seamlessly transferred to the Plaud app on your phone, where it’s transformed into structured outputs—summaries, action lists, mind maps, and more.

In essence, it’s a capture device that takes care of one part of your work so you can concentrate on the bigger game.

Design-wise, the device feels premium, it features a small display that shows battery level, recording status, and transfer progress—just enough information without distraction. The ripple-textured finish looks elegant and feels solid, paired with a clean, responsive button. It also comes with a magnetic case that snaps securely onto the back of your phone, sitting flush and tight, making it easy to carry around without thinking twice.

Battery life is another standout. On a full charge, the Plaud Note Pro can last up to 60 days, even with frequent, long recording sessions. Charging anxiety simply doesn’t exist here.

Well, my impressions about the device changed once I had an audio captured. I tested this in a busy press conference setting—eight to ten journalists around me, multiple voices, ambient noise—and the recording came out sharp and clear. Thanks to its four-microphone array, it captures voices clearly from up to four to five meters away, isolating speech with precision and keeping voices naturally forward. This directly translates into cleaner transcripts. It supports 120 languages, and yes, I even tested transcription into Malayalam—it worked remarkably well, condensed the entire convo-interview that I had during an automotive racing show that I was into.

Real meetings or interviews are rarely happens in a neat environment, and that’s where I found the Plaud Note Pro working for me. It captures nuances and details I often miss in the moment. As a journalist, that’s invaluable. The app also allows you to add photos during recordings, enriching your notes with context and visuals.

I tested transferring files over 20 minutes long, and the process was smooth and quick. Accessing the recordings on my PC via the browser was equally intuitive—everything is easy to navigate and well laid out.

Now to what is inside this tiny recorder. Well, the core of the experience is Plaud Intelligence, the AI engine powering all Plaud note-takers. It dynamically routes tasks across OpenAI, Anthropic, and Google’s latest LLMs to deliver professional-grade results. With over 3,000 templates, AI Suggestions, and features like Ask Plaud, the system turns raw conversations into organized, searchable, and actionable insights. These capabilities are available across the Plaud App (iOS and Android) and Plaud Web.

Privacy is what I happen to see them look at seriously. All data is protected under strict compliance standards, including SOC 2, HIPAA, GDPR, and EN18031, ensuring enterprise-grade security.

What makes the AI experience truly effective is the quality of input. Unlike a phone recorder—where notifications, distractions, and inconsistent mic pickup interfere—the Plaud Note Pro does one job and does it exceptionally well. It records cleanly, consistently, and without interruption, delivering what is easily one of the smoothest recording and transcription experiences I’ve used so far.

I’m genuinely curious to see how Plaud evolves this product further. If this is where they are today, the next version should be very interesting indeed.



“The Plaud Note Pro isn’t just a recorder; it’s a pocket-sized thinking partner that captures the details so you can think bigger, clearer, and faster.”

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ICT CHAMPION AWARDS – 18TH EDITION

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ICT champion awards - 18th edition

The ICT Champion Awards return with their 18th edition, continuing a long-standing tradition of recognising excellence across the Middle East’s ICT landscape. The awards bring together industry leaders, technology innovators, and decision-makers for an evening dedicated to celebrating impact, leadership, and progress across the region’s digital ecosystem.

ABOUT ICT CHAMPIONS AWARDS

This programme is designed to highlight and honour exceptional achievements across the Middle East’s ICT ecosystem, celebrating organisations that continue to demonstrate excellence in innovation, growth, resilience, and leadership. The ICT Champion Awards aim to inspire progress while recognising sustained contributions that have shaped the region’s technology landscape over time.

Integrator Media proudly presents the ICT Champion Awards – 18th Edition, recognising distinguished technology organisations across enterprise solutions, critical and public infrastructure, cybersecurity, and digital transformation. More than an awards platform, the ICT Champion Awards represent a long-standing commitment to acknowledging industry leadership and real-world impact. The programme serves as a trusted stage to honour innovation, reliability, and the organisations addressing the evolving demands of today’s interconnected and security-driven digital environment.

AIM OF ICT CHAMPIONS AWARD

HONOR INNOVATION: Mark major milestones in the Middle East in the technology domain.

BENCHMARK SUCCESS: Highlight significant technology innovations and achievements in the Middle East landscape.

ACKNOWLEDGE KEY CONTRIBUTIONS: Honor and value key contributions made by leading technology organizations in the Middle East.

AWARD EXCELLENCE: Acknowledge and award accomplishments made by organizations to address the increasing demand in the technology domain.

PROMOTE COMMUNITY ENGAGEMENT: Establish a platform for the technology community to unite, celebrate successes, and inspire future accomplishments.

WHY SHOULD YOU PARTICIPATE?

STATEGIC NETWORKING: Connect with top experts and decision-makers in the ICT industry. This is your chance to build valuable relationships and expand your professional network.

MAXIMUM EXPOSURE: Aligned with INTERSEC 2026, the event ensure unparalleled exposure as the entire ICT community gathers in one place. Your brand will be in the spotlight, drawing high impact from the audience that are aligned with security, technology, and enterprise transformation industry.

CHANNEL & PARTNER ENGAGEMENT: Promote your brand directly to prospective partners and clients. This platform provides a unique opportunity to discuss your offerings and build new connections.

BRAND AMPLIFICATION: Participate and leverage multi-level branding opportunities through our extensive print, digital, and social media coverage.

HIGH-PROFILE BRANDING: Gain high-profile branding before, during, and after the event across multiple mediums, including print and online platforms.

EVENT DETAILS:

  • Date: 13th January 2026
  • Venue: Hyatt Regency, Dubai Creek Heights, Dubai
  • Time: 6:00 PM – 10:30 PM
  • Map Location: HERE
  • Event Registration Link: HERE
  • Event Nomination Link: HERE
  • Event Agenda: HERE

AWARD NIGHT HIGHLIGHTS

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BEYOND STORAGE: LEXAR’S MIDDLE EAST EDGE

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a portrait of Fissal Oubida, Lexar

Exclusive Interview with Fissal Oubida, General Manager – Middle East, Africa & India, Lexar

In the crowded world of memory storage—where products often blur together and price wars dominate—Lexar has charted a distinct course. Just three years ago, the brand was caught in the same cycle that ensnares many technology companies: chasing competitor pricing, maintaining distance from customers, and treating partnerships as transactions. Today, Lexar stands as an industry benchmark, followed by major competitors rather than the other way around. But this only scratches the surface of what we’ve accomplished, and what it reveals about sustainable differentiation in commoditized markets through an approach that seems almost anachronistic in modern tech: genuine human relationships.

Founded in 1996 to deliver innovative, industry-leading memory solutions worldwide, Lexar has transformed and grew from complete market irrelevance to leading the photography memory card segment in the Middle East and Africa markets. From a price-following commodity brand to a standard of trust and reliability, particularly in markets like the UAE and Saudi Arabia, where reseller ecosystems thrive on relationships and personal engagement.

Bridging the Gap

The industry often overlooks a critical layer of the value chain. Distributors may handle millions in volume, but their success depends on dozens of smaller resellers managing far less—and these vital partners rarely hear from the brands they represent.

Many memory companies remain detached from both resellers and end users. Their social media feeds resemble product catalogs, their strategies revolve around discounts, and authentic connection is missing. In such a market, trust is scarce, and loyalty fragile.

Immersing in the Market

Lexar rejected this detachment. Every two to three months, the company’s leadership visits partners door-to-door across the UAE and Saudi Arabia, markets where face-to-face trust is essential. India has also been part of this journey, but the foundation of Lexar’s approach was built in the Middle East. During these visits, products are brought directly into stores, resellers’ daily challenges are closely observed, and customer interactions with Lexar cards are carefully studied—insights that cannot be captured through reports or remote communications.

This philosophy mirrors Starbucks founder Howard Schultz, who worked shifts in his own cafés to understand the customer experience. Market realities cannot be absorbed from a boardroom; they must be witnessed firsthand, unfiltered.

Digital Authenticity

The same principle drives Lexar’s digital presence. While many technology brands publish sterile product updates, Lexar’s regional platforms highlight people, culture, and real interactions—team moments, community events, and behind-the-scenes glimpses.

Some worry this dilutes product focus. Lexar believes the opposite: its products exist to safeguard human experiences, and its marketing reflects that reality. In relationship-driven markets, human connection often builds stronger affinity than technical specifications alone.

Quality as Strategy

Authenticity is reinforced by quality. Unlike competitors that ship directly from factories to customers, Lexar tests every unit in dedicated facilities, cutting the defect rate to under 0.5%—well below industry averages ranging from 5% to 25%.

This goes beyond cost-benefit calculations. A defective product generates frustration, online complaints, and lost trust. Preventing such failures is not merely operational efficiency—it is reputation management.

Lexar’s partnership with SK Hynix exemplifies this approach. The brand is the only gaming memory company authorized to display the SK Hynix logo—a mark of quality from a supplier trusted by aerospace companies and NASA. While others obscure component sourcing, Lexar embraces transparency, showing customers exactly what they are buying.

Escaping the Price War

Perhaps the most significant change was breaking free from reactive pricing. Previously, entire teams monitored competitor rates to adjust Lexar’s pricing, fueling a cycle of cuts and shrinking margins.

Today, Lexar focuses on value and reliability. In the memory storage industry, every product consists of a chip that accounts for 80% of product cost, a controller, and housing. When other memory brands offer significantly lower prices, unfortunately these low prices often indicate refurbished or compromised components. By educating partners on this reality, conversations shift from discounts to dependability.

A Case Study: Trust at the Heart of Middle Eastern Markets

The clearest expression of Lexar’s philosophy can be seen in the Middle East’s reseller ecosystem. In Dubai’s Computer Plaza, Bur Dubai, and across the bustling technology markets of Riyadh and Jeddah, relationships define business outcomes. Transactions here are not purely about specifications or discounts—they are shaped by familiarity, presence, and trust.

Lexar’s approach is simple but uncommon: leadership spends time on the ground, carrying products into shops, sitting with resellers for hours, and listening to their challenges. These engagements transform transactional partnerships into genuine alliances, building credibility in ways no marketing campaign could replicate.

The results are tangible. Partners see Lexar not just as a supplier, but as an ally invested in their growth. Presence in these markets reshapes pricing conversations, shifts perceptions of quality, and elevates Lexar from a commodity brand to a trusted benchmark.

India later provided another proving ground, particularly in its vast wedding photography industry, where storage reliability is mission-critical. But it was in the Middle East that the model was first forged—the recognition that in relationship-driven markets, presence and trust are as powerful as technology itself.

The Lexar Way

What emerged from this transformation is the philosophy known as “The Lexar Way”—a commitment to human connection, uncompromising quality, and transparent value. This also represents a fundamental departure from traditional technology company operations and a unique culture that is not imposed from the top down; it spreads through example. As technology products become increasingly commoditized, companies must find new differentiation methods beyond specifications and pricing. Lexar’s experience suggests that authentic human relationships, transparent communication, and consistent value delivery can create sustainable competitive advantages even in highly competitive markets.

Active leadership engagement in the field—meeting both major and smaller partners while introducing tailored incentive programs—serves as a powerful example, motivating sales teams to adopt and replicate this hands-on approach. While the financial rewards may be modest, the gesture conveys respect and visibility, fostering loyalty far more enduring than discounts alone.

Building on this ethos, Lexar is actively cultivating a professional community of elite photographers, videographers, and content creators across the Middle East, providing workshops and forums where creative insights are shared, collaboration is encouraged, and the next generation of talent can thrive.

Looking Ahead

The memory industry will always be defined by chips, controllers, and specifications. But in practice, long-term leadership is built on trust.

In the Middle East, Lexar has shown that genuine relationships, transparent communication, and consistent quality can break the cycle of commoditization. These principles extend to other regions, including Africa and India, demonstrating that human-centered strategies are scalable across cultures.

As artificial intelligence, automation, and digital disruption continue to reshape industries, one truth remains constant: technology may evolve, but trust endures. The Lexar Way is not just a regional story; it is a blueprint for how technology brands everywhere can thrive in an era where connection matters as much as innovation.

Every memory card holds more than a chip—it carries a promise. For Lexar, that promise is reliability, authenticity, and commitment to the people who use its products. In a market obsessed with disruption, that may be the most powerful innovation of all.

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