Tech Interviews
TerraPay Offers Sophisticated B2B, B2C Payment Services
TerraPay, a Netherlands-based global fintech enterprise, offers cross-border payment services for mobile wallets and bank accounts. Bassem Awada, GM – MENA & VP Global at TerraPay speaks to The Integrator on its business-specific services at Seamless 2022, Dubai
We understand that you offer lots of B2B Payment Services. Can you explain that to me in a very comprehensive way?
Response: Today as we speak, whatever goes under payments requires a lot of regulations and at the same time a lot of diligence. The question is what kind of payments are we doing? What kind of money movement and where is this money moving from? These are some criteria that need to be added to the equation. TerraPay is licensed and regulated by 26 different licenses across the world. And we do answer to the regulator payments perspective.
We are an infrastructure that connects the dots between two parties- sending and receiving and we would like to consider ourselves as a payment highway so at any moment any entity would like to move money, we are the solution for that. We have rails that give them through the single API, the highway to several products, be it B2B transactions, person to person, business to consumer, etc. From a business perspective, TerraPay has capabilities to payout across 100 countries- in bank accounts and wallets through our partner network.
Tell me about the API integration you offer. Is it available with all the ERP solutions available in the market?
From a connectivity perspective, our technology is an in-house technology. We built it from scratch. We did not buy off the shelf. We have limitations for instance, in adjusting or being accommodative to requests. We build it from scratch and accordingly this gives us several attributes to the technology itself. As the technology is very adaptive, scalable, and extremely flexible, we are also available through ERPs by getting capabilities.
Speak about the Middle East prospects you have. What are the key integrations or partnerships you have made in the Middle East?
The Middle East is a magnet for any payment infrastructure and the UAE is extremely advanced and extremely eager to keep evolving with the transition that is happening not only at the level of the commercial side of things but as well as the regulation side. Our strategy is to make sure that our expansion moves across all our portfolios because the region is so fertile.
What about your partnerships with other payment parties in terms of cards or UPI service providers?
One of the main visions of our CEO is to provide financial inclusion through our technology. Build capabilities as affordable and agile as possible. Hence the operators themselves reflect this affordability to their customers and bring them to the legal and legitimate channels.
From a partnership perspective, today, we are in a strategic partnership with Visa and eventually, we’re going to be getting into a new partnership with Mastercard. Through this, we will be offering them capabilities to get connections between them for the product on their platform through our interoperable technology.
We have recently signed an agreement with Network International and launched a product called “request to pay,” which is the capability to enhance financial inclusion for mobile wallets across Africa. Imagine this product users of those mobile wallets can now pay through their mobile to a wallet outside of their own country.
Our partners can enjoy the capabilities of sending money regardless of how the money is sent. This helps everyone to become competitive in everything.
Cover Story
From Insight to Impact Qlik’s Vision for the Future of Data and AI

As data becomes the lifeblood of modern organizations, Qlik’s agnostic platform spanning data integration, quality, analytics, and AI/ML enables enterprises to make smarter, faster decisions, no matter where their data resides. We spoke with James Fisher, Chief Strategy Officer at Qlik, about how the company is helping businesses unlock AI’s full potential globally, while deepening its commitment to the UAE with the launch of Qlik Cloud on AWS bringing speed, sovereignty, and strategic growth to the region.
You’ve been in the industry for over 30 years. What is it about this moment in data and AI that really excites you, especially here in the UAE?
I’ve been in the industry for over 30 years, started out at PwC, spent nearly a decade at SAP, and then joined Qlik. Honestly, I’ve never seen a more exciting time for data, analytics, and AI. The pace of innovation is incredible, and what really stands out is how committed governments and organizations— especially in the UAE—are to tapping into AI’s full potential. From big public initiatives to a thriving startup scene, there’s real momentum, and Qlik is right at the center of it all.
You wear many hats at Qlik—what does a typical day look like for you?
My role is about making sure our customers get real value from their data—using analytics and AI to drive meaningful outcomes. As Chief Strategy Officer, I help shape Qlik’s vision, build the right partnerships, and steer our growth strategy across areas like products, M&A, and even broader priorities like sustainability and diversity. I also spend a lot of time keeping up with market trends. It’s a busy role, but what I enjoy most is how cross-functional it is—it lets me connect innovation with real business needs.
Qlik’s mission is to help customers ‘do data differently.’ Can you unpack what that means in practice—and how your strategy role helps turn that vision into impact?
Our mission is to help customers get the most out of their data to tackle big, real-world challenges. When we say, ‘do data differently,’ we mean rethinking how data—structured or unstructured—is accessed and used, wherever it lives. On the strategy side, I work closely with our product teams to stay ahead of market trends, and with our services and customer success teams to ensure we’re truly partnering with clients. And that collaboration mindset is something I truly value—it makes Qlik feel like a trusted advisor, not just a vendor.
How do you ensure that your global capabilities align with the specific needs of markets like the UAE?
For Qlik, adaptability is key. We really focus on listening— whether it’s to our customers, partners, or the broader market. In the UAE, we’ve been active for years and have a solid customer base, which gives us valuable insights into regional needs. We also set up a global AI Council, including a member based here, who works closely with local companies and government entities. This helps us adapt our global strengths to deliver real, local value. It’s not just about the product—it’s about how we approach the market, offer training, and engage with the community to reflect local nuances.
With major shifts happening in analytics and data integration, particularly the surge in AI investments in regions like the UAE, how has Qlik evolved its technology to stay ahead of the curve?
Qlik has been in this space for over 30 years. From the beginning, it was about helping customers turn questions into insights by pairing human curiosity with machine intelligence. That is essentially an AI problem—and it has been core to our platform since day one. Over time, we’ve evolved our technology to be cloud-native on AWS, expanded our data integration capabilities, and made it easier for everyone in an organization, not just analysts, to access insights and take action. In markets like the UAE, where AI investment is booming, we’re in a great position to support that momentum. A key part of our strategy has been democratizing data access so that teams across all departments—sales, marketing, HR, finance, and more—can leverage it, not just analysts.
How does Qlik ensure it supports each organization’s unique data and AI journey without disrupting what’s already in place?
Our approach is simple—we’re here to enable, not disrupt. Every organization is on a different path with different needs, whether that’s industry-specific, company size, or their own pace of digital adoption. That’s why flexibility and openness are a big part of how we operate. We don’t ask customers to start over—we work with what they already have and help them get more out of it. A great example is in highly regulated sectors, where security and hybrid environments are a must. We meet them where they are, and build from there. That’s how we earn trust and become long-term partners.
Organizations are juggling data across cloud, on-prem, and even the edge—how does Qlik stay flexible enough to handle all that?
Data today is vast and varied. For years, most analytics solutions focused only on structured data; but about 80% of an organization’s data is unstructured. At Qlik, we do both. Our platform allows us to reach data wherever it is—in cloud apps, in on-prem systems, or even at the edge. That openness allows us to solve real-world problems, not just run analytics in silos. And we are not limited by any single cloud provider. Customers can choose what works best for them—AWS, Azure, Google Cloud—and we will be right there with them.
As someone steering strategy at a data and AI company, how do you personally approach using data to guide big decisions—and what advice would you give to leaders trying to cut through the AI hype?
As Chief Strategy Officer, I see data as the lifeblood of any organization, it’s behind every smart decision we make. At Qlik, we use our own analytics and AI technology to shape our strategies. We build a team with the capability to understand what problems we want to address the right use cases we want to drive, and what data we need to get there—and then making sure we can actually access that data. My biggest piece of advice? Don’t get swept up in the AI hype. Start with a real business problem. Then ask: what data will help me solve this, and how do I get it? Strategy isn’t something you set and forget. The best strategy leaders are the ones who stay humble, curious, and ready to pivot.
What recent launch or initiative is Qlik most excited about in the UAE?
We are announcing the availability of Qlik Cloud on AWS in the UAE. This is a big milestone. It enables innovation and AI-driven value while ensuring robust data sovereignty— customer data stays within the country’s borders. It also boosts performance and latency for applications running locally. This is a major step in helping our clients generate real-time insights and act on them with confidence.
What long-term plans does Qlik have for the region?
We are here for the long run. We are often asked, “Where will Qlik be in five years?” And the answer is simple, we will be right here, growing with our customers. We are expanding our partner network, building up our regional team, and investing in training and enablement. We have only just scratched the surface of what AI can offer, and we are committed to helping customers realize that potential through long-term partnerships. As the region continues its digital transformation, we want to be a steady, trusted enabler—helping organizations turn complexity into clarity.
Tech Interviews
RedHat Summit Connect 2025: A discussion with Ed Hoppitt and Adrian Pickering

Exclusive Interview with Ed Hoppitt, EMEA Director – Value Strategy, App and Cloud Platforms at Red Hat & Adrian Pickering, Regional General Manager, MENA & Enterprise Segment Lead for CEMEA at Red Hat
Having worked in global telecom and advised some of the world’s largest enterprises, how have these experiences shaped your approach to developing IT solutions?
Ed: I believe that designing and running operational IT over many years gives one a deep understanding of what truly matters to a customer, especially those partnering with Red Hat. This background enables me to connect with our customers on a level where they feel understood regarding their pain points. Today’s biggest challenge for enterprise IT is building systems that are predictable, replicable, and standardized—yet able to scale effectively.
When you look at what Red Hat offers and how we help enterprises build these solutions, our focus is rooted in leveraging the open source community. We invest in projects that we know will create tremendous value for our enterprise customers, taking those projects upstream, incorporating them into the Red Hat portfolio, and industrializing them into platforms such as OpenShift. Customers choose platforms like OpenShift because they represent best-of-breed choices, delivering stability, reliability, predictability, and scalability. With my operational IT background, I appreciate just how crucial these outcomes are for every customer I speak with.
This year’s Red Hat Summit focuses on curiosity and turning acquired knowledge into practical application. It’s about transforming acquired knowledge into practical applications. Through this, what key message are you hoping to leave with the audience this year?
Adrian: I view curiosity as the foundation for working with our customers to truly understand their vision—where they want to be 18, 24, 30, or even 36 months down the line. It’s about gaining a clear grasp of the business challenges they face or the new markets they wish to serve in the future. We then align our best capabilities to support them along that journey, keeping cost efficiency in mind. This might involve modernizing infrastructure, existing applications, or even building new applications that open doors to entirely new customer segments or solutions.
A great example of this is our work with the Dubai Health Authority, who were on stage at Summit Connect Dubai. When we engaged with them, we took the time to deeply understand the challenges they were trying to address for the citizens and then brought not only our technical products but also our expertise in project management, implementation, training, and knowledge transfer. I’m very proud of our achievements over the years, and I believe that in doing so, we add significant value for our customers.
Ed: To add another perspective, the most compelling conversations I have with customers often begin with discussions that don’t initially center on technology. They start with, “I want to imagine a world where things are different—where you can help me achieve something extraordinary.” For instance, with Red Hat OpenShift AI, we collaborated with the US Department of Veterans Affairs to build a platform that effectively reduced self-harm and suicide rates. By harnessing a platform that could analyze how people called in for assistance—assessing tone and how they described their situations—we helped the teams prioritize who needed immediate care versus who could wait a while for some support.
It’s when someone presents you with such a profound challenge that you really see the immense opportunity we have as an organization. These technology platforms do more than enable business; they help vulnerable people receive the care they need and, ultimately, save lives.
You mentioned that for Red Hat it’s relatively easy to work on new technologies because of the robust support provided by partners and customers alike. Can you elaborate on just how important those relationships are for your team?
Adrian: The point is that, while we are proud of the solutions we deliver through Red Hat, many integrated solutions require components from multiple software vendors. Our partners and integrators are essential because they bring together the various components needed to deliver, implement, and support these complex solutions. In many regions, especially where we serve multiple countries, these partners offer additional scale and reach, often accessing markets where Red Hat might not have a direct footprint. This collaboration is a critical part of why we work so closely with our partners.
Ed: Another significant benefit of having partners is that it allows Red Hat to concentrate on what we do best. We aren’t trying to solve every aspect of the IT enterprise supply chain. Instead, we work with best-of-breed partners who focus on their own areas of expertise. This means that Adrian’s teams and others in our region can focus on delivering core value to our customers. As we saw on stage, one of the Middle East’s largest banking group was very ahead of the curve in its approach to virtualisation and modernisation. These partners enable us to help customers execute at scale and with credibility. My background in operational IT tells me that although the journey is rarely smooth, having a trusted team and partners makes all the difference.
In today’s enterprise technology landscape, where hybrid and multi-cloud environments are the norm, how is Red Hat helping customers unlock the potential of open source technologies?
Ed: For me, the hybrid and multi-cloud narrative is essentially about providing customers with standardization. Some customers might say that they’re on a path toward data center consolidation, or are committed to a single hypervisor, or even a multi-cloud strategy. But once they embrace a hybrid approach, the underlying message is that they require a globally consistent management and operational platform—one that spans multiple cloud providers, private data centers, or even edge environments.
How do we achieve this consistency in an open source manner? When you’re a proprietary company, control is tight. With our strategy, we offer customers open choice—where to run their platform and which workloads to deploy on top of it. In essence, our approach empowers customers by eliminating the risks of siloed, locked-in solutions. This freedom enables businesses to continuously ask, “What should I run, and where and how should I run it?” They consider the portfolio of applications, evaluate whether low-latency edge deployment is needed—as is common for a supermarket loyalty system—or whether a core data center or public cloud deployment makes sense. The operational “how” is addressed by determining whether to run on a container platform, a virtual machine platform, or an alternative setup. Finally, the “why” ties back to ensuring the overall solution aligns with the customer’s cost and business objectives.
Ultimately, our focus is on answering one simple question for the customer: “What should I run, and where, how, and why should I run it?” This encapsulates our commitment to providing both choice and clarity in today’s complex IT environment.
Adrian: I find it quite interesting how that perspective plays out regionally. While we enable customers to run applications on our platforms, major players like Google are also part of the ecosystem. Particularly in Europe, where there is current uncertainty, many governments are questioning whether their sovereign data should reside on a cloud service originating from the U.S. Without diving too deeply into politics, this debate is prompting customers to consider alternative cloud options. For example, when running OpenShift on-premises or on a cloud provided by a specific country, it becomes easier to migrate to a new provider if necessary. This is an evolving discussion, especially in Europe, and it’s something that might expand beyond political cycles in the future.
Ed: Exactly. In Europe, the focus remains on providing choice. With open source technology, we sidestep many political concerns because of the transparency it offers. Customers can inspect the code to see that there are no hidden backdoors or data issues. Consequently, building a sovereign solution using Red Hat technology has gained significant traction. Both governments and organizations are increasingly interested in retaining full control over their data.
It seems that customers also desire a degree of freedom with their platforms; they want to ensure that no external party completely controls their systems. How does Red Hat provide this assurance of complete control?
Ed: Customers can deploy our platform in either of two ways. If they run it in their own data center, on-premises. In this case, they obtain full access—they have the code, the platform, all the necessary certificates, and they manage it themselves. In contrast, if they decide to run the platform on one of the hyperscalers, while the underlying compute infrastructure is provided by the hyperscaler, the platform—the layer where the data sits and the applications operate—remains in the open source domain. Therefore, even in these cases, customers retain the ability to influence, control, and understand what happens with their data and applications. And when it comes down to it, every country and organization will make its own decisions, but our consistent message remains: our focus is on choice. Whether a company decides to run its workloads privately, on the public cloud, or at the edge, we ensure that they have the consistent tools and platforms to do so efficiently.
Adrian: That’s exactly right. We have long maintained a commitment to enabling customers to choose the open hybrid cloud. Whether a customer opts for a sovereign cloud, a hyperscaler, or their own private cloud, our core mission is to grant them the freedom to choose and to operate in a simple, consistent, and controlled manner.
Where do you see the enterprise technology landscape heading in the next three to five years?
Ed: I believe that over the next three to five years, we will witness an increasingly consolidated effort to eliminate complexity within IT organizations. Over the last decade, IT has excelled in building silos—if anything, it’s been very effective at doing so. However, with the advent of AI, these separate silos of infrastructure and data are becoming even more problematic. When your data resides in multiple unconnected silos, it becomes extremely challenging to aggregate and leverage it for AI-based insights.
In a recent discussion with a financial services industry leader, the focus was increasingly on ensuring access to all their data, democratizing it internally, and enabling AI-driven querying. This represents a paradigm shift, as data today typically lives within isolated applications. In an AI-integrated world, breaking down these silos is critical. I foresee that one of the most significant developments in the near future—driven by AI—will be the democratization of data access across organizations.
Adrian: I concur. From a regional perspective, we might be a couple of years behind more developed markets like Europe or the U.S. For instance, we are still in the earlier stages of transitioning to the cloud. In the UAE and other regions, sovereign cloud providers are just beginning to expand their offerings. Financial institutions, aviation companies, and others are now starting to embrace the cloud more aggressively than they have in the past four or five years.
Ed: Another nuance here involves what we’re exploring with Granite and small language models. Often, to help Adrian’s customers manage support tickets, you don’t need a language model that knows Shakespeare by heart. Large language models typically contain vast amounts of data, much of which isn’t directly relevant to a given enterprise. Our focus has thus shifted to a choice: do we help organizations harness AI by asking questions of data they couldn’t access before, or do we tailor solutions with smaller language models designed to address specific enterprise challenges?
One notable example was how we applied a tailored small language model within Red Hat to support our own teams in resolving support tickets. This initiative not only saved millions of dollars but also significantly enhanced customer experience and sped up response times. Over time, while large language models have captured much of the buzz, I suspect we will see rapid adoption of small, specialized language models tailored for specific functions.
Tech Interviews
The Role of AI-Driven Robotics in Modern Industries

Exclusive Interview with Federico Pienovi, Chief Business Officer & CEO of New Markets at Globant

- What is the Internet of Robotics concept? How does the “Internet of Robotics” concept enhance connectivity and automation in smart environments?
The Internet of Robotics unleashes a new era of smart automation. This is not just a concept; it’s a revolution in connectivity and automation. Imagine a world where robots communicate seamlessly with each other and with IoT devices, creating a dynamic network that adapts and evolves in real-time. This is theoT (Artificial Intelligence of Things) in action, where AI-driven robots transform industries by performing complex tasks with unprecedented efficiency. Take Saudi Arabia’s NEOM project, for example—an entire city powered by renewable energy, where interconnected robotic systems optimize everything from energy usage to waste management. This is not just the future; it’s happening now, and it’s reshaping how we think about smart environments.
- What advancements in robotics will have the most significant impact on daily life and household automation?
Robots are breaking free from the confines of factories and entering our homes, bringing with them a wave of innovation that will redefine household automation. Autonomous Mobile Robots (Rs) are leading this charge, equipped with AI that allows them to understand their environment and make decisions autonomously. In the next 3-5 years, expect your home to be a hub of robotic activity, with smart assistants managing your daily tasks, conserving energy, and enhancing convenience. From personal care robots assisting the elderly to smart appliances optimizing everyday chores, the robotic industry is set to transform our daily lives, and will definitely go from factories to our living rooms soon.
- How do you see robotics evolving in the GCC region, particularly in response to government initiatives focused on AI and automation?
The GCC region is poised to become a global leader in robotics and AI, driven by visionary government initiatives and substantial investments in. Countries like the UAE, Saudi Arabia, and Qatar are not just adopting these technologies—they’re shaping their future. By fostering collaboration between public entities and private tech firms, the GCC is creating an innovation ecosystem that will produce advanced robotic solutions tailored to local industries. This strategic focus on digital transformation will not only enhance operational efficiencies but also drive economic diversification and sustainability, positioning them as a powerhouse in the global tech arena. I believe that the GCC will be the vanguard of robotics and AI integration in the coming years.
- Which industries are leading investments in robotics in the GCC, and what do you think are robotics startups & opportunities for young talents looking to build a career out of this technology?
The GCC is a hotbed of innovation, with industries like healthcare logistics, and smart cities leading the charge in robotics investments. As these sectors integrate technology into their core operations, opportunities abound for young talents eager to make their mark in robotics. At Globant, we’re committed to nurturing this talent through initiatives like the Globant Academy, offering training programs and boot camps that equip the next generation with the skills needed to thrive in this dynamic field. The future is bright for those ready to embrace the robotic & AI revolution, and drive change in the GCC.
- What are some real-world applications of AI-driven dexterous robots, and how close are we to achieving true human-like robotic movement?
AI-driven dexterous robots are breaking barriers across industries, from healthcare to construction. With advancements like Retrieval-Augmented Generation (RAG), these robots are augmenting human capabilities, performing tasks with precision and adaptability. While true human-like movement remains a challenge, the progress we’re making is nothing short of revolutionary. As we continue to push the boundaries of what’s possible, the line between human and machine will blur, opening up new possibilities for innovation and efficiency. The robotics market is projected to grow from $262 billion in 2023 to $346 billion by 2025, allowing the industry to expand to unprecedented real-world applications.
- How does robotics leverage quantum computing for enhanced processing and real-time decision-making?
The fusion of robotics and quantum computing is a game-changer, unlocking new levels of processing power and decision-making capabilities. Quantum algorithms enable robots to analyze environmental feedback rapidly, generating predictive analyses and dynamically adjusting their strategies. Imagine a robotic delivery system that anticipates traffic delays and optimizes its route in real-time—this is the we’re building, where robotics and quantum computing work hand-in-hand to create smarter, more responsive systems.
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