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The Region’s Most Innovative E-Payment Company’s Take on Tech Advancements

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financial integrator network

In an exclusive interview with Nandan Mer, Group CEO of Network International, the Integrator delved into the company’s pivotal role in shaping the payment landscape of the region. As the region’s most innovative electronic payments company, Network International has made significant advancements in tokenization, biometrics, and open banking solutions. Operating in 50 countries, including a recent expansion into Saudi Arabia, the UAE based company continues to extend its global reach into Saudi Arabia, Africa, and Morocco. The Integrator also examines how Network International supports Aani and enhances the digital payments ecosystem in the UAE.

How does Network International support banks and fintechs in improving their business operations and customer service through technology?

Our primary objective is to facilitate business success, encompassing banks, fintechs, merchants, and overall economic prosperity. Technology offers numerous benefits to banks and fintechs, helping them better serve their customers. This involves continuous innovation in product solutions, user experience (UX), and customer interaction. As their technology partners, we collaborate closely with them. With the 200 banks we partner with, we receive approximately 2,000 to 3,000 ideas to improve their businesses in various aspects.

Out of our team, about 1,000 members are dedicated technologists who work diligently to bring these ideas to fruition. They develop and implement technological solutions which are then provided back to the banks and fintechs. We take pride in the number of fintechs we have enabled to enter the market across the 50 markets we operate in. Fintechs are valuable to us because they bring fresh, innovative thinking and challenge the status quo in financial markets, enhancing how consumers are served by financial institutions.

Fintechs often face significant challenges with the initial investment in operations and technology. As entrepreneurs or young management teams, they must manage distribution, marketing, product quality, and more. We assist by handling the heavy lifting in operations and technology, providing these services on a per-transaction basis. This approach democratizes the cost of doing business for fintechs, enabling them to avoid substantial capital expenditure. Consequently, we have successfully onboarded numerous fintechs over the past three to five years.

How has Network International’s recent expansion into Saudi Arabia, along with the acquisition of payment companies in Africa, impacted your global operations and growth strategy?

We are a UAE-based global company currently operating in 50 countries. Our recent expansion includes a significant foray into Saudi Arabia. Until a couple of years ago, we had no business presence in Saudi Arabia. However, we have now started investing in the region, establishing our technology infrastructure locally, and creating a new company. We are proud to have a team led by talented Saudi nationals.

We have partnered with the central bank and Saudi Payments to deliver our services to Saudi banks and fintechs. Today, we have gained the trust of many Saudi fintechs and currently have 12 customers in Saudi Arabia. We are pleased with the rapid growth we have achieved. Additionally, we have been granted a direct acquiring license by the Saudi Central Bank (SAMA), making us the first foreign company to be fully licensed in the acquiring space in Saudi Arabia. This privilege and responsibility are significant, and we are committed to offering innovative services that better serve Saudi businesses and contribute to economic growth. Saudi Arabia has been a major focus, and we have invested heavily in this market.

In the past two and a half years, we have also acquired major payment companies in South Africa and Kenya, namely DPO and Payfast. Post[1]acquisition, we have scaled these companies by investing significantly in their growth and expanding them into new markets in Africa. Our latest venture is into Morocco, an exciting new market for us. Although we have been servicing Moroccan banks from outside Morocco, they have encouraged us to establish a local presence to better support their technology needs. Consequently, we have recently established our office in Morocco and are expanding our operations there in response to our ongoing discussions with Moroccan banks.

What role does Network International play in supporting Aani and enhancing the digital payments ecosystem in the UAE?

We commend the foresight and investment made by the Central Bank of the UAE in enabling capabilities such as Aani. Enabling faster payments is a crucial new service that complements card transactions, bank-to-bank payments, and more. Aani represents a significant technological advancement, and we fully embrace it. As one of the first companies in the UAE to connect to the domestic switch, we are also among the pioneers in accepting Aani at our point-of sale terminals. We highly regard this initiative, recognizing its vital role in enhancing the digital payments ecosystem in the UAE. At Network, we are committed to supporting the success of Aani in every possible way.

How does Network International utilize biometrics, such as fingerprints on terminals, and artificial intelligence to enhance security and efficiency in transactions?

The hallmark of Network International is our forward-thinking approach. We continually push the boundaries to enable faster, cheaper, and more secure technology. Biometrics play a crucial role in enhancing security. By reducing fraud in transactions, we instill greater confidence in consumers and merchants regarding electronic transaction flows. We are pleased to report that fraud levels are relatively low in the markets where we operate, thanks in part to the effective fraud prevention tools employed by ecosystem players and our continuous enhancement of these tools. Artificial intelligence significantly contributes to this effort. The role of new technologies and capabilities in making the electronic payments ecosystem more efficient cannot be overstated.

As a leader in the payment’s ecosystem in the Middle East and Africa, processing approximately $100 billion in transactions across 20 million credentials and over 100,000 merchants, we recognize our responsibility to demonstrate the value of advanced technologies. We rigorously evaluate these technologies before their launch to ensure they enhance the ecosystem’s security. However, not all technologies are adopted as expected by merchants or consumers, and it is only through experimentation and pushing boundaries that we can drive innovation. We are committed to continually experimenting and advancing the field, ensuring that we remain at the forefront of the industry.

How do you envision collaborating on blockchain technology with other companies, particularly in the realms of B2B payment solutions and SME lending solutions?

We are pleased to inform your readers that we have recently been granted the stored value license by the Central Bank of the UAE. This license enables us to offer the solutions you mentioned, which would not have been possible otherwise. This development opens new opportunities for us. In anticipation of receiving this license, we have been developing technologies and capabilities.

We are particularly excited about B2B payments, which, in terms of volume, represent a significantly larger market than B2C payments or consumer-to-institution and consumer-to-merchant transactions. These B2B payment flows are ideal for enhancements in efficiency, security, and speed. We possess the technological capabilities and the necessary experience, with many of our team members having backgrounds in B2B payments. Now that we have the required Central Bank licenses, we are fully prepared to advance in this area.

What are your thoughts on open banking with the new regulations coming in?

Open banking represents a natural progression of the efforts made by fintechs and technology disruptors. It reduces the friction in launching new products in the market. We appreciate the evolving mindset of bankers who are now embracing open banking. While a framework and technology are necessary to facilitate open banking, the core of open banking lies in forging partnerships between banks and companies. These partnerships leverage the banks’ data, historical insights, and balance sheets in meaningful ways.

The value of open banking has been demonstrated in various parts of the world. I am confident that over time, open banking will bring similar advancements in our markets, comparable to what has been achieved in Europe and parts of the US. We are learning from these markets’ experiences and tailoring our approach accordingly. We are also developing technologies to support companies leveraging open banking, enabling them to go to the market faster with better user experience (UX) and customer experience (CX) at reasonable costs. This cost-effectiveness is crucial for achieving scale, which is a key factor in the success of these initiatives

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Inside Zoho’s UAE Data Centers!

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Shailesh Davey, Co-founder and CEO of Zoho, is seated in a cream-colored armchair and speaking with Srijith KN, Senior Editor at Integrator Media, who is holding a recording device. They are positioned in front of a dark backdrop featuring the ManageEngine and Zoho logos during a professional interview.

Playing the Long Game in Cloud Infrastructure, Data Centers, Privacy, Cybersecurity, and Growth in the UAE

Senior Editor had an interview with Shailesh Davey, Co-founder & CEO, Zoho, during the official launch of their newly opened data centers in the UAE.

Zoho is on an executing path, perhaps as they say, it is a disciplined, long-term regional strategy by deploying and right-sizing data centers in Saudi and the UAE, aligning with global trends in data sovereignty and privacy.

The UAE is a priority growth market fueled by regulatory and business-led digitization, supported by local teams and partners. Customers will see faster performance from local hosting, while flagship products Zoho CRM Plus and Zoho Books lead growth, with rapid regulatory feature alignments.


Zoho currently operates more than 18 data centers globally, with the UAE being the latest addition. From a regional perspective, does the Middle East require more data centers, or are the facilities in the UAE and Saudi Arabia sufficient to support Zoho’s growth plans?

We currently operate two data centers in Saudi Arabia, which primarily serve the Saudi market. In the UAE, we have now established two data centers—one in Dubai and another in Abu Dhabi. These facilities have been carefully right-sized based on our expected growth in the region.

We have been present in this market since 2009, so we have a clear understanding of customer adoption patterns, data usage behavior, and growth trajectories. Based on this data, we have ensured sufficient capacity for the next two to four and a half years. Every six months, our teams review capacity utilization and growth rates. If we see demand growing faster than anticipated, we simply expand further.

This approach isn’t new for us—we’ve been doing this consistently since 2006–2007.


Zoho is widely known for its capital discipline and strong stance on privacy. With increasing global rhetoric around cybersecurity, data sovereignty, and regulations—especially in markets like the UAE—do you believe governments are emphasizing certifications due to a trust deficit with large tech companies, or is this part of a broader global shift?


There are a few important factors at play here. First, some of the world’s largest technology companies have built their businesses by monetizing user data. This is openly acknowledged as part of their business model. While it may be legal, it understandably creates discomfort—especially for governments concerned about the data of their citizens, and for individuals who often accept terms and conditions without fully realizing what they are agreeing to.

Second, we are now living in a rapidly evolving geopolitical environment. The shift toward a multipolar world has accelerated significantly over the last couple of years. In this context, it is only practical for governments to introduce regulations that ensure clarity around where data resides, how it is handled, and whether companies are compliant with local laws.

From Zoho’s perspective, this has always aligned with our philosophy. Wherever we set up data centers, we comply fully with local regulations and data sovereignty requirements. Certifications and compliance are simply proof points of that commitment.


Zoho has seen strong growth in the UAE. Which flagship products are driving this momentum, and how does the establishment of local data centers translate into tangible benefits for businesses in terms of innovation and performance?


Let me start with the impact of the data centers. The most immediate and visible benefit is speed. Earlier, customer data was being served from the US, which meant latency due to the physical distance. With local data centers in the UAE, response times are significantly faster. This directly improves user experience, in addition to meeting security and compliance requirements.

In terms of products, our fastest-growing solution in the UAE is Zoho CRM Plus. For any business, sales is a critical function, and CRM Plus is a comprehensive, customer-facing suite that supports sales, marketing, customer support, service, and even project management.

The second major growth driver is Zoho Books, which is widely used by finance and accounting teams. With increasing regulatory requirements around accounting, compliance, and e-invoicing in the UAE, Zoho Books helps businesses stay compliant while maintaining accurate and transparent financial records.

Given the pace at which regulations are evolving, especially in areas like e-invoicing, our local presence allows us to respond very quickly. We see significant long-term potential for both CRM Plus and Zoho Books in this market.


One of Zoho’s recent consumer-focused initiatives Aaratai application has gained strong traction in India and has generated a lot of discussion. Do you see similar B2C-led innovations helping Zoho reach a wider audience in the UAE as well? Could we see such solutions being developed or localized for this market?


This has been an interesting experiment for us. What we’ve essentially done is take the technology we built for the B2B world, adapt it, and make it accessible to B2C users. That’s how this particular app was born, and it received strong tailwinds in the Indian market.

Interestingly, due to the large Indian diaspora in the UAE, adoption naturally extended here as well. Our immediate focus is to ensure that the product is reliable, feature-rich, and delivers long-term value to users.

Once we are confident that the model works at scale, we will look at expanding into other markets where there is strong synergy. Markets with a significant Indian diaspora are a natural starting point, and Europe is high on that list.

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Goodyear continues support for Team De Rooy in the 2025 Dakar Rally

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Goodyear continues its partnership with Team De Rooy for the upcoming Dakar Rally 2025. As the official tire supplier, Goodyear will equip the Dutch team with its high-performance Goodyear OFFROAD tires and advanced Tire Pressure Monitoring System (TPMS), helping to ensure reliable performance throughout the rally’s demanding stages. This collaboration highlights Goodyear’s dedication to truck motorsport, combining innovation with proven durability on some of the world’s toughest terrains.

Dakar 2025: new challenges await

The 2025 Dakar Rally, running from January 3 to January 17, will cover nearly 8,000 kilometers, including over 5,000 kilometers of competitive stages, starting in Bisha and finishing in Shubaytah. This edition ramps up the difficulty, featuring an early 48-hour chrono stage that flows into the marathon stage, setting a challenging pace from the outset. In the second week, competitors will tackle the demanding dunes of the Empty Quarter, with over 45% of the course on separate tracks for different vehicle classes, enhancing safety while complicating navigation.

Goodyear OFFROAD tires and TPMS: performance in challenging conditions

Team De Rooy relies on Goodyear OFFROAD tires for their durability and reliable traction across different conditions. Designed to handle heat and challenging surfaces, these tires help reduce heat buildup at high speeds and provide consistent performance on sand, rocks, and steep slopes.

Goodyear’s TPMS offers real-time monitoring of tire pressure and temperature, helping the team make quick adjustments and avoid potential issues. This advanced system helps to minimize downtime and supports better strategic decisions—crucial for maintaining momentum during the rally.

A Legacy of motorsport excellence

Goodyear’s continued support of Team De Rooy highlights its long-standing commitment to truck motorsport. As the title sponsor of the Goodyear FIA European Truck Racing Championship (ETRC), Goodyear uses motorsport as a proving ground for tire technology advancements. The partnership with Team De Rooy reflects this commitment, driving innovation and performance in demanding environments.

Maciej Szymański, Marketing Director Commercial EMEA at Goodyear, commented:

“Our continued collaboration with Team De Rooy for Dakar 2025 underscores our commitment to supporting motorsport teams in extreme conditions. With Goodyear OFFROAD tires and TPMS, we aim to provide the reliability needed to tackle the rally’s challenges. We wish Team De Rooy all the best and look forward to another exciting competition at this iconic rally”.

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Cover Story

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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