Financial News
Empowering UAE’s Women to Achieve Financial Literacy and Inclusion
By Akshay Sardana, VP – Strategy & International Development, The Continental Group
Many studies over the years have established financial literacy as a determinant of socioeconomic conditions. Multi-generational financial literacy and planning have propelled many toward the upper echelons of the world. In contrast, the lack thereof continues to constrain several others in vicious cycles of debts, inevitable dependencies, and monetary uncertainties. As often as not, in the absence of financial literacy, women get the short end of the stick because of certain entrenched gender inequalities and other distinct factors. That explains the UAE’s growing efforts to advance women’s financial literacy. Over the recent months, many apex bodies have orchestrated financial literacy campaigns aimed at empowering women. The Dubai Government-owned National Bonds(1) has been at the forefront of such initiatives, recently partnering with the Arab Women Authority for a program to empower women with financial skills and tools. Such top-down efforts are timely and consequential in light of increasing complexities in financial markets, volatile economic cycles, and the indomitable need for gender equality across all walks of life. Evidence indicates that closing the financial-literacy gaps between men and women could have macroeconomic implications for a nation. The impact corresponds to the timeless quote, “if you empower a woman, you empower a nation.”
The following are the five probable positive outcomes.
Savings for a rainy day
In recent years, especially following the pandemic and subsequent inflationary cycles, people are increasingly provisioning for all possible contingencies. Increased online self-learning platforms and educational videos related to finance can be linked to that spike in interest and intent. Women have expanded their financial horizons, venturing beyond household accounts. Their primary objective is to build a corpus fund — a considerable amount of money kept aside for unforeseen emergencies — whose necessity continues to mount due to concerns of a recession. While the scope for growth is limited in emergency funds, the liquidity they offer can be useful. The ability of people to fend for themselves during large-scale, unprecedented situations is a hallmark of a competitive economy.
Decoupling from dependencies
A study found that, on average, women in the UAE retire with just 69% of the wealth of their male counterparts. Such abject wage disparities can be addressed only through structural changes in the corporate culture. Until then, women must continue to explore ways to secure their long-term financial interests without factoring in spousal or familial support. Decoupling from dependencies is important because women tend to live longer than men, requiring them to hone their financial skills for times ahead. However, savings alone will not suffice. With higher financial literacy, women can effectively plan their retirement by achieving risk-adjusted returns through strategic allocations of specific capital into savings, fixed-income products, equities, and insurance.
Inculcating financial discipline
A few cross-sectional surveys seeking to demystify parental roles in money habits have found that children mostly take after their mothers’ approaches to finance. Such findings place a significant onus on women to enhance their financial literacy. When financial discipline is inculcated early on, the strong foundations will define children’s monetary decision-making and related success. Besides money, women’s financial literacy sets good precedents for children to uphold the virtues of gender equality and the importance of patience and pragmatism in investments. No amount of money can parallel a legacy of financial discipline that mothers can bestow on their progeny.
Dodging curveballs
While there is no denying that women’s societal challenges have witnessed considerable legal recourse in recent years, it’s a long road before one can afford to be complacent. As often as not, women cannot break free from abusive marriages or families due to financial dependencies. In hindsight, about 59% of widows and divorcees wished they had been more involved in long-term financial decisions(3). At times, even seemingly natural circumstances such as childrearing can take their toll on a woman’s finances through career setbacks, etc. Financial literacy will ensure different employment pathways and promise a way out when marital circumstances become untenable.
Market Participation
Wealth creation stagnates when money is restricted to low-risk products such as savings accounts, fixed deposits, bullion, and provident funds. Statistics suggest that women tend to favour such asset classes due to a deep-seated aversion to risk — a by-product of less financial literacy. Some studies also suggest that women often edge out their male peers when participating in equity markets. The reasoning is that women are innately more pragmatic and grounded, which creates successful investors when coupled with high financial literacy. So, UAE policymakers hope to unlock an untapped segment in the financial market by supporting women’s financial education. It’s a righteous pursuit primed for long-term rewards.
Financial
BITCOIN STRUGGLES TO BREAK $74,000 RESISTANCE AS ETF INFLOWS RISE

Bitcoin edged higher last week, gaining 11%, yet it continues to struggle to convincingly break through the $74,000 resistance level, according to Simon Peters, crypto analyst at eToro.
US bitcoin spot ETFs recorded $763 million in net inflows over the past week, helping to push prices higher. Strategy, the largest bitcoin treasury company by total holdings, also disclosed another significant purchase of 17,994 bitcoin for approximately $1.28 billion.
Looking ahead, the Federal Reserve meeting this week could prove pivotal in determining whether bitcoin breaks above the $74,000 level or experiences a correction. While markets had previously anticipated a dovish pivot, a sudden spike in oil prices due to the ongoing conflict in the Middle East may prompt the Fed to reconsider its outlook.
“The consensus is for the Fed to hold rates on Wednesday, but if Chairman Powell signals in his press conference that the central bank is prepared to raise rates should oil prices remain elevated or continue rising, this could trigger a sell-off in cryptoasset prices,” said Peters.
The meeting will also see the release of the Federal Reserve’s latest “dot plot”, offering insights into where each Federal Open Market Committee participant believes interest rates should be by the end of the year, next year and over the longer term.
AI tokens surge amid Nvidia comments
Among the biggest movers in the crypto market over the past week were AI-related tokens TAO and FET, both rising 47% as investors rotated into the sector following bullish remarks about artificial intelligence by Nvidia CEO Jensen Huang.
Ahead of Nvidia’s GTC AI conference this week, Huang described AI as “essential infrastructure”, stating that every company and nation will build and use it.
These comments have renewed interest in on-chain, decentralised AI networks, pushing tokens such as TAO and FET higher.
Mastercard launches crypto partner program
Mastercard has launched its Mastercard Crypto Partner Program, a new global initiative bringing together more than 85 companies across the crypto ecosystem, including exchanges, stablecoin issuers and blockchain development teams.
The program aims to foster dialogue and collaboration as the crypto sector continues to mature. Participants will work with Mastercard teams to combine the speed and programmability of blockchain technology with Mastercard’s merchant network spanning more than 210 countries.
The initiative builds on Mastercard’s existing digital asset activities, including its Start Path blockchain track, Engage platform and Crypto Card program.
Bitcoin reaches 20 million supply milestone
Bitcoin reached a historic milestone last week when the 20 millionth bitcoin was mined, marking the issuance of more than 95% of the cryptocurrency’s total capped supply of 21 million coins.
The milestone was reached on 10 March at block height 931200, 17 years after the network first launched. Due to Bitcoin’s halving schedule, the remaining one million coins are expected to take approximately another 114 years to be mined, with the final bitcoin projected to enter circulation around the year 2140.
Crossing the 20 million milestone again highlights Bitcoin’s scarcity dynamics. With demand continuing to outpace the new supply issued daily by miners and many holders unwilling to sell at current prices, the market could be positioned for a significant move higher over the coming months and years.
Financial
ABA Legal Highlights UAE’s Legal Framework as Catalyst for the Next Wave of Foreign Investment

In alignment with the UAE’s ambitious vision to evolve into a global hub for business and foreign capital, ABA Legal, a boutique corporate law consultancy headquartered in Abu Dhabi, UAE, has announced its bold and strategic expansion of Legal Structure Mapping – a refined core advisory specially mentoring FDI and investors in interpreting and navigating the UAE’s investor-focused legal framework across the region. The move strengthens the firm’s positioning as one of a kind legal resource for foreign investors seeking clarity, compliance, and structured market entry within the UAE.
The United Arab Emirates has rapidly evolved into a leading destination for global business and foreign capital. According to recent government and industry reports, the UAE continues to rank among the top global destinations for foreign direct investment inflows, driven by continuous legal and regulatory modernization. ABA Legal observes that legal clarity, regulatory certainty, and structural reforms are increasingly central to investor decision-making, with businesses placing greater emphasis on well-defined legal pathways, ownership structures, and enforceability before committing capital to new markets.
Commenting on the evolving landscape, Ms. Geethalakshmi Ramachandran, Managing Counsel at ABA Legal, said “The UAE’s legal framework today is not only progressive but highly responsive to global investor expectations. The shift toward full foreign ownership, stronger dispute resolution systems, governance reforms, and IP protection has significantly enhanced legal certainty. At ABA Legal, our core service now is guiding foreign investors through these reforms with clarity and precision, ensuring they can structure, enter, and operate in the UAE market with confidence and long-term security. We aim to become the Legal Mentors for FDIs and Investors UAE interest”
A New Era of Legal Reform
The UAE has entered a new era of legal reform designed to strengthen transparency, predictability, and investor confidence across its commercial ecosystem. One of the most significant developments has been the overhaul of foreign ownership regulations. Sectors that previously required majority UAE national ownership have been widely liberalized, enabling 100% foreign ownership across a growing range of industries, including technology, manufacturing, and professional services. From a legal standpoint, this marks a structural realignment of the corporate framework, giving investors greater control over governance and operations while reducing compliance ambiguity and intermediary dependence. The reforms align the UAE with global best practices and reinforce its appeal for long-term, high-value investment.
Strengthening Contract Enforcement and Dispute Resolution
Investor confidence is closely tied to enforceability and legal certainty. The UAE has modernized commercial laws and strengthened dispute resolution mechanisms to create a secure environment for international business. Specialized courts operating under internationally recognized standards and common law principles, alongside stronger integration with global arbitration systems, ensure disputes are resolved efficiently and impartially. This protects contractual rights, lowers legal risk, and supports long-term cross-border investment strategies.
Governance, Transparency, and Investor Protection
Governance, transparency, and investor protection have also been enhanced through stricter corporate reporting, anti-money laundering, and financial compliance frameworks. These measures reduce regulatory uncertainty and strengthen market credibility by embedding internationally recognized standards into law. Investors benefit from a more stable, accountable, and transparent operating environment.
Free Zones: Tailored Legal Advantages: Free zones continue to play a central role in the UAE’s foreign investment strategy, offering tailored legal and regulatory advantages such as full foreign ownership, capital repatriation, customs exemptions, and flexible employment and residency structures. Designed around priority sectors, these zones combine flexibility with legal certainty and reduced administrative burden.
Modern Commercial Laws, Digital Economy Support, and IP Protection
Recent updates to commercial company regulations, data protection laws, and intellectual property protections further support digital economy and innovation-driven businesses. Together, these reforms create a resilient and adaptable legal ecosystem that not only attracts foreign capital but enables sustainable, knowledge-based growth; with ABA Legal supporting investors through structured legal guidance in this evolving framework.
For global investors seeking stability, transparency, and strategic opportunity, the UAE’s legal framework is more than supportive, it is a dynamic engine for capital inflow, innovation, and knowledge-based economic development, with ABA Legal serving as a strategic legal mentor in this journey.
Financial
RISK, RESILIENCE AND A 96 PERCENT: WHAT ACCA’S TOUGHEST PAPER TAUGHT ME ABOUT STRATEGY

Preeti Peter, student – BCom ACCA – MAHE Dubai
Advanced Financial Management is a paper that separates theoretical knowledge from applied thinking. It tests your ability to make strategic decisions under uncertainty, weighs competing risks in real time, and defends your reasoning when there is not one right answer. The pass rates reflect that difficulty. When I sat for the exam, World Rank 1 was never the target, surviving the paper with credibility was. I scored 96 out of 100. But the number, on its own, tells you very little. What matters is what the journey demanded: a complete rewiring of how I approached preparation, pressure, and failure.
Treating preparation like a financial model
Early on, I made a decision that changed everything: I would stop following a generic study plan. Instead, I approached my preparation the way an analyst might approach a sensitivity analysis. I tested variables by studying at different times of the day, experimenting with visual mapping versus deep reading. Each iteration helped me identify what produced the best results for my learning style.
This was about precision, not volume. In finance, we talk about capital allocation, where you deploy resources matters more than the sheer amount available. I applied the same logic to my time. High-yield areas got the most attention. Weak spots got targeted effort. Comfortable topics got less.
Strategy is not a luxury reserved for boardrooms. It belongs in every decision you make.
The negative cash flow phase
There is a phase in every long-term project, financial or otherwise, where the output does not match the input. In corporate finance, we call this negative cash flow. You are investing, and the returns have not materialised yet.
My first few weeks of AFM preparation felt exactly like that. I was putting in the hours, but comprehension was patchy. It would have been easy to panic or abandon ship for a different approach.
Instead, I recognised the phase for what it was: temporary. Every business that reaches breakeven has survived this stage first. I leaned into discomfort, trusted the process, and kept showing up. Slowly, the fog lifted.
That early patience was critical. If I had changed course every time results lagged behind effort, I would never have built the understanding that carried me through the exam.
Discipline over motivation
There is a popular idea that success comes from being motivated. I found the opposite to be true. Motivation is unreliable, it fluctuates with your mood, your energy, a difficult question that throws you off balance.
What carried me was routine. I built a daily structure that operated regardless of how I felt on any given morning. Good days and bad days received the same treatment: sit down, open the material, work through the plan.
During my time at Manipal Academy of Higher Education Dubai, I learned to value consistency over intensity. Resilience, I realised, is not about gritting your teeth and pushing through pain. It is about designing a process robust enough to function even when you are running on empty.
Confronting discomfort deliberately
One of the more counterintuitive lessons AFM taught me was about comfort zones. When preparing for a high-stakes exam, there is a strong temptation to practise what you already understand. You move through questions quickly, confidence builds, and the work feels rewarding.
But that feeling is misleading. The topics I avoided, the ones that made me uneasy, the questions I got wrong repeatedly were precisely where the growth was. I started restructuring my study sessions to front-load the most difficult material. If a topic made me uncomfortable, it went to the top of the list.
Over time, those uncomfortable sessions became the foundation of my exam performance. The questions that would have caught me off guard were the ones I was most prepared for.
Managing pressure, not just content
I remember finishing a mock exam and feeling genuinely defeated. The time pressure had overwhelmed me. I knew the material but knowing the material and performing under timed conditions are two very different skills.
That experience changed my approach. I began treating exam technique as its own discipline, separate from subject knowledge. I practised under strict time limits and developed a method for approaching unfamiliar questions: pause, outline, then write.
On exam day, there were moments where questions looked unfamiliar at first glance. Instead of panicking, I paused, outlined a structure, and worked through each part methodically. I finished on time, with every question addressed.
The real lesson: stress does not disappear because you have prepared well. You simply get better at functioning within it.
Feedback as fuel
A score of 96 percent might suggest a clean, linear path to the top. The reality was messier. Mock results were humbling. Feedback on practice answers was sometimes blunt.
But I made a conscious decision early on, I would treat every piece of critical feedback as information, not as judgement. If a mock answer missed the mark, I wanted to understand why so, to close the gap between where I was and where I needed to be.
That openness to correction was, I believe, one of the most important factors in my result. The students who improve fastest are rarely the most talented. They are the ones willing to be told they are wrong and to adjust accordingly.
Beyond the exam
World Rank 1 was a rewarding outcome. But the rank is a snapshot, a single data point from a single day.
Structured thinking. Disciplined preparation. The ability to remain calm when the stakes are high. A willingness to sit with discomfort rather than avoid it. These are not exam skills. They are life skills.
AFM taught me that risk is not something to fear. It is something to understand, to price, and to manage. That principle holds whether you are valuing a derivative or deciding how to spend your next hour. The same applies to every challenge worth pursuing.
-
News10 years ago
SENDQUICK (TALARIAX) INTRODUCES SQOOPE – THE BREAKTHROUGH IN MOBILE MESSAGING
-
Tech News2 years agoDenodo Bolsters Executive Team by Hiring Christophe Culine as its Chief Revenue Officer
-
VAR11 months agoMicrosoft Launches New Surface Copilot+ PCs for Business
-
Tech Interviews2 years agoNavigating the Cybersecurity Landscape in Hybrid Work Environments
-
Tech News8 months agoNothing Launches flagship Nothing Phone (3) and Headphone (1) in theme with the Iconic Museum of the Future in Dubai
-
Automotive1 year agoAGMC Launches the RIDDARA RD6 High Performance Fully Electric 4×4 Pickup
-
VAR2 years agoSamsung Galaxy Z Fold6 vs Google Pixel 9 Pro Fold: Clash Of The Folding Phenoms
-
Tech News2 years agoBrighton College Abu Dhabi and Brighton College Al Ain Donate 954 IT Devices in Support of ‘Donate Your Own Device’ Campaign


