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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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The Shift to Unified Content Workflows Is Redefining Enterprise Media!

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By: Srijith KN


Walk into any modern content setup today, whether it’s a podcast studio, a corporate webinar room, or a hybrid event environment, and you’ll see a familiar pattern, one that reflects how fragmented the content production stack has become.

A microphone connected to an interface.
An interface connected to a laptop.
A laptop running multiple layers of software to mix, switch, stream, and record.

It works, but it’s rarely seamless.

Because the biggest challenge in content creation today isn’t access to tools, it’s understanding how they all fit together.

The Real Problem: Too Many Tools, Too Little Clarity

The rise of podcasting and video content has created a new kind of friction. Users are no longer asking what they can create; they are asking how to make the tools work together.

Recording audio separately, syncing video later, transferring large files to high-end machines, and relying on multiple software layers have become the default workflow. It works, but it is inefficient, expensive, and prone to failure.

The expanding ecosystem of devices, features, and formats has made even basic setup decisions unnecessarily complex.

When it comes to products from RØDE, users & creators already recognize the product’s potential to simply clarify and help elevate the overall workflow experience.

From Tools to Unified Systems

This is where the shift begins to stand out.

What we are seeing is not simply the addition of new features, but the consolidation of functions.

Mixer. Recorder. Audio interface. Video switcher. Stream encoder.

What traditionally required a stack of hardware and software is now being brought into a single console environment.

For creators, that simplifies production.

For enterprises, it changes how content infrastructure is designed.

As this shift gains momentum, it is also being acknowledged at a leadership level.

“Real innovation isn’t about adding more; it’s about removing friction and enhancing workflows.

With the introduction of platforms like the RØDECaster Video, we’re starting to see audio and video unified in one system, unlocking faster, more focused creative output.”

Kalinda Atkinson,
Global Marketing Director, RØDE

Why This Matters Beyond Creators

This shift is not limited to podcasters or streamers. Enterprises are increasingly building in-house content studios, executive communication channels, internal video platforms, and hybrid event capabilities as part of their broader communication strategy.

In these environments, complexity quickly becomes a bottleneck. Multiple tools often translate into longer setup times, increased points of failure, and a growing dependency on technical operators to manage what should ideally be straightforward workflows.

A unified system begins to reduce that friction, allowing teams to focus less on managing the process and more on the output itself.

The End of the Laptop-Centric Setup

One of the most significant changes is subtle: the laptop is no longer central.

With recording, streaming, and switching built directly into the console, content can now be produced without relying on external software or intermediary platforms. Audio and video routing happens natively within the system, removing the need to manage multiple layers of tools.

This, in turn, reduces reliance on tools like OBS Studio and lowers the need for high-performance machines in the production chain.

Broadcast Capabilities, Simplified

Features that were once limited to broadcast environments are now being integrated directly into compact systems. Capabilities such as multi-camera switching, ISO recording with separate tracks for each input, audio-based automatic switching between speakers, and network-driven video workflows like NDI are no longer confined to high-end production setups.

For enterprise teams, this translates into professional-grade production without the need for dedicated control rooms or complex broadcast infrastructure.

Modularity Signals Long-Term Thinking

Another important shift lies in how these systems evolve over time.

With expansion options such as adding video capabilities to existing audio consoles, RØDE is enabling a more modular approach to production. Instead of replacing entire systems, users can extend them based on their needs.

This becomes particularly relevant for organizations that may begin with audio-first content using consoles such as the RØDECaster Duo or RØDECaster Pro II, gradually expanding into video production with consoles such as RØDECaster Video, RØDECaster Video S, or even the RØDECaster Core, and scaling internal media capabilities over time. The result is a more flexible investment model that reduces upfront costs while supporting long-term growth.

A Shift in the Competitive Landscape

On the surface, this still appears to sit within the audio hardware category. In practice, however, it competes with something far broader.

As these systems begin to handle capture, processing, and output within a single environment, they start to overlap with production software ecosystems, video switching platforms, and content workflow tools.

The implication is clear: when orchestration happens within the system itself, the need for external layers begins to diminish.

The Opportunity Ahead

As the layers of complexity fade, creators will have more time for creative storytelling and less time worrying about the setup.

The new products and technology from RØDE not only remove setup barriers, but they also enable creators & enterprises to operate at a full professional standard, accelerating both the creativity and innovation ecosystems.

Srijith KN covers enterprise technology, media infrastructure, and digital transformation across the Middle East.
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Cloud waste isn’t about Visibility it’s about Timing, says Atmoz CEO

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“Cloud waste isn’t created by bad engineers. It’s created by systems that show problems too late. Once I saw that, it became clear, the solution wasn’t better reporting. It was prevention.” – Atmoz CEO Yael Shatzky

Yael Shatzky didn’t set out to build a company around cloud costs. What she noticed, after more than 25 years across enterprise technology, product marketing, and growth at organisations including Amdocs and Microsoft’s R&D ecosystem, was a pattern.

Not just rising cloud spend, but a deeper structural disconnect in how it’s managed.

If you were introducing yourself and Atmoz to someone outside tech, where would you begin?

I’d say I’m building a company that changes how people think about waste—specifically cloud and AI waste.

Imagine a house where electricity prices constantly change depending on what you use and when, but no one knows the cost. Lights stay on, AC runs all day, and while you know you’re wasting about 30%, you have no way to prevent it. The only signal you get is last month’s bill.

That’s how companies operate in the cloud today.

Atmoz changes that by bringing cost awareness into the moment decisions are made, helping teams make smarter choices without disrupting how they work. The result is simple: waste is prevented before it happens.

What is the core problem Atmoz is solving—and where has the market gone wrong?

The market has focused on visibility, dashboards and reports that explain what already happened.

But the problem isn’t visibility.
It’s timing.

By the time companies see the data, the money is already spent and systems are already in production. Even with perfect visibility, nothing changes.

Atmoz works at the moment engineers are building, engaging them with immediate, simple recommendations that don’t slow them down. That’s where prevention becomes possible.

What does ‘AI-first’ product development look like at Atmoz?

We built a data foundation that reconstructs cost signals as resources are created, before billing data exists. That’s the hard part.

On top of that, we use AI where it matters most: interaction and execution. Our AI agent takes accurate, contextual data and delivers actionable recommendations directly within developer workflows.

Because the system is grounded in precise data, the guidance isn’t just intelligent, it’s reliable and immediately usable.

What are the biggest challenges in getting engineers to trust AI-driven recommendations?

Interestingly, it’s not trust in AI, it’s the belief that prevention is even possible.

For years, companies have been told they can reduce costs, yet around 30% of cloud spend is still wasted. That’s because most tools analyse waste after it happens, they don’t stop it.

Once engineers see an issue flagged in real time, with clear context and a simple fix, the skepticism disappears. It becomes tangible.

What is one leadership mistake that fundamentally changed how you operate?

Focusing too much on the product, and not enough on marketing early on.

Great products don’t speak for themselves, especially when you’re creating a new category. Marketing isn’t something you layer on later; it shapes how the product is understood and adopted. Starting early makes a significant difference.

Where do you see the biggest inefficiencies today?

The biggest inefficiency is the disconnect between engineering decisions and their financial impact.

Every time a developer deploys infrastructure or triggers an AI workload, they’re making a financial decision, without visibility into its cost implications.

AI is amplifying this. Costs are more volatile, and traditional feedback loops can’t keep up.

Atmoz brings cost awareness into that decision point, making efficiency part of the engineering discipline, much like security became over time.

At this stage, how do you define success?

Success isn’t a single milestone, it’s a series of moments.

Signing a new customer. Launching a capability that impacts spend. Getting a call from a customer excited because they just saved $30K on something they didn’t even know was happening.

Those moments are what drive us forward.

You’re defining a new category. What does it take to change long-held assumptions?

It starts with conviction. You’re asking people to question something they’ve accepted as normal.

But conviction alone isn’t enough, proof is everything. Category change happens when someone sees it working in their own environment and has that “aha” moment.

That’s why we focus on immediate, tangible value. When waste is prevented in real time, the mindset shift follows naturally.

Resilience also matters. When you challenge established models, you will be dismissed. The key is to stay grounded in the problem and keep showing evidence.

Has the industry been solving cloud waste the wrong way? Why hasn’t it changed?

I wouldn’t say wrong, FinOps tools solved the problem they were designed for. They brought visibility and governance, which was critical.

But they were built on the assumption that cost is something you analyse after it happens.

Today, cost is created instantly, when infrastructure is provisioned or AI workloads run. But feedback still comes later. That gap is the issue.

What’s changed is the pace of engineering. With AI, decisions are faster and costs are more dynamic. What used to be inefficient is now unsustainable.

That’s why prevention isn’t just an improvement, it’s becoming essential.

How will engineering teams work differently in five years?

Cost will no longer be treated as something external, owned by finance. It will become part of the engineering feedback loop, like performance or reliability.

Atmoz brings that awareness into everyday workflows, guiding better decisions without adding friction.

Over time, this shifts behaviour. Waste isn’t something you detect and fix later, it simply doesn’t get created.

The result is not just lower cost, but faster teams, better decisions, and more room to innovate.

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Huawei MatePad Mini: A Tablet That Feels Like a Real Notebook

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Huawei’s compact tablet feels less like a gadget and more like a thoughtfully designed digital notebook, blending portability with everyday productivity.

I have been using Huawei’s MatePad 11.5 S for a while now for writing, editing, and most of my day-to-day journalistic work. It has turned out to be a surprisingly capable productivity device. So, when the MatePad Mini arrived, I was curious to see how Huawei would translate that experience into a much smaller form factor.

Reviewed By: Srijith KN, Senior Editor, Integrator

Design and Accessories

The first thing that stood out during the unboxing was not just the device, its accessories! Huawei has clearly put thought into the overall experience. The tablet ships with well-designed cases, including a transparent option and a diary-style booklet cover.

The diary cover, in particular, immediately felt right to me. It makes the tablet feel less like a gadget and more like a compact notebook you would carry every day. There is a certain familiarity to it, almost like picking up a journal rather than a device.

Huawei also continues to include a charger in the box, and this one comes with a 66W unit, a thoughtful touch at a time when many brands have moved away from bundling one altogether.

Everyday Portability

The 8.8 inch tablet immediately feels comfortable in the hand. It is extremely light and compact, measuring just 5.1 mm thick and weighing around 255 grams. That portability is noticeable right away.


In many ways, it feels closer to carrying a paperback than a traditional tablet. I currently use the Nothing Phone 3 as my daily device, and at times even that feels heavier than this. The MatePad Mini, on the other hand, almost disappears in your hands.


Huawei is also using a magnesium alloy body here, which keeps the device light without compromising on rigidity. Given how thin it is, that added structural strength feels reassuring.

A Paper Like Experience That Works


Last night, I found myself reading long articles on it for hours without feeling any strain. That is where the device really begins to make sense.


It genuinely feels like a digital paper booklet, built for reading, note-taking, writing, or quickly catching up on work while on the move. The green variant, in particular, features Huawei’s PaperMatte display, and it is easily one of the most distinctive aspects of this device.


Huawei claims the display reduces up to 99 percent of ambient light interference, and in real-world use, that translates into a noticeably glare-free experience. Even under indoor lighting, reflections are minimal, and the screen remains comfortable to look at for extended periods.


At the same time, it does not compromise on performance. With up to 1800 nits of brightness, a 120Hz refresh rate, and a wide color gamut, the display manages to balance readability with visual richness, something that is not easy to get right in smaller devices.


There is also an eBook mode that shifts the display into a black and white, paper like view, along with other settings designed to reduce eye strain during longer reading sessions. Additional options like eye comfort and sleep mode further support extended use.


Writing and Creativity


I also spent some time using the M Pencil for quick notes, and the experience feels surprisingly close to paper. Coming from the MatePad 11.5 S, Huawei continues to deliver one of the better stylus experiences in this space.


The M Pencil Pro adds more depth to the experience than expected. With different tip options and subtle haptic feedback, writing feels more tactile and intentional, rather than just tapping on glass.


Paired with the updated Huawei Notes app, the experience becomes more refined. Features like handwriting enhancement subtly improve legibility without taking away the personal feel of your writing, making it especially useful for quick notes and longer-form thinking.

Hardware and Performance


The MatePad Mini packs a 6400 mAh battery with support for fast charging, capable of going from zero to full in about an hour. On paper, it looks promising, though I will reserve judgment until I have spent more time with it.


On the hardware side, it includes a 50MP rear camera and a 32MP front camera, along with stereo speakers, Wi-Fi 7, USB-C 3.0, and a fingerprint sensor, something I wish Huawei had included on the MatePad 11.5 S as well.

Editor’s Perspective

Whenever I am seen using a Huawei device, the first question that comes up from people around me is usually about the ecosystem, particularly about Google services.

I too had similar concerns earlier, but having used Huawei devices for a while now, the experience has been smoother than expected. HarmonyOS feels clean and fluid, and tools like GBox make it possible to access most essential apps. Even for someone deeply tied to Google services, it has been more manageable than I initially thought.


What becomes clearer over time is that this is not just a smaller tablet. It sits somewhere between an eBook reader and a productivity device, built for focused, everyday use.

The MatePad Mini does not feel like Huawei shrinking a tablet. It feels like a refinement of how a compact device should actually be used. Its notebook-like form, paper-inspired display, and practical accessories make it easy to carry, pick up, and use throughout the day.

It is still early days, but the first impressions are strong. In a crowded tablet market, this feels like one of the more purposeful and interesting form-factor than the other compacts that we have seen in a while.

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