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

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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

Automotive

Inside XPENG Brand Night: AI Mobility Lands Centre Stage in Dubai

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On 2 November 2026, XPENG and Gulf Star Motors put Physical AI, flagship SUVs and design culture in front of UAE guests. 

Here is what the Brand Night and New Product Launch felt like from the floor.

Dubai has seen plenty of smart EV launches. Fewer evenings try to stage the whole idea of AI mobility in one room: cars, software, design language and a glimpse of what comes after the road.

On 2 November 2026, that is what XPENG Brand Night and New Product Launch set out to do, hosted with Gulf Star Motors, a subsidiary of Ali and Sons and the official distributor of XPENG in the UAE.

The brief was clear from the moment the programme began. This was not only a reveal of two SUVs. It was a statement that XPENG wants UAE buyers to see the brand as a technology company that happens to make cars, and that Dubai remains the beachhead for that story.

Two Flagships, One UAE Brief

The headline products were the G9L and the GX, both presented for UAE customers. XPENG positions the G9L as its Next-Gen AI Flagship SUV, offered with battery-electric and Kunpeng Super Range Extender powertrains. Official materials cite an overall length of 5,120 mm and a wheelbase of 3,100 mm, with an AI cockpit and advanced driver-assistance technologies aimed at local buyers who want flagship presence without giving up software-led features.

The GX, XPENG’s full-size six-seat flagship SUV, was shown with the same dual choice: battery-electric and Kunpeng Super Range Extender. XPENG quotes a pure-electric range of up to 430 km and a combined range of up to 1,585 km for the Super Range Extender configuration on an 800V architecture, a pairing that speaks directly to UAE driving: long distances, summer loads, and the need for range confidence beyond the city.

The GX also carries the computing story that XPENG wants associated with its upper models: Turing AI computing of up to 3,000 TOPS and the VLA 2.0 intelligent-driving system, framed here as advanced driver assistance and an AI-powered cabin rather than science fiction. On the night, that distinction mattered. Guests were not asked to believe in a driverless future in the abstract. They were asked to look at hardware and interfaces that already sit in production-bound products.

Beyond the Unveil

The programme deliberately stretched past a spotlight moment. Guests experienced the GX in person, a useful reminder that the model has already drawn strong UAE interest, with more than 500 confirmed orders reported ahead of launch. In a market that can be sceptical of new EV brands until the ownership story feels solid, that pre-launch demand figure is part of the narrative as much as any stage lighting.

Workshops on XPENG’s Vital Flow design language sat alongside the metal. Vital Flow, inspired by Design VP JuanMa Lopez, formerly Head of Exterior Design at Ferrari, emphasises flowing, muscular surfaces that look alive even when a vehicle is standing still. For a UAE audience used to premium sheet-metal theatre, the pitch was less about ornament and more about motion held in stillness, a design line that tries to make technology feel intentional rather than bolted on.

There was also a session on XPENG’s flying car programme, the piece of the evening that most clearly connects Brand Night to the brand’s Physical AI agenda of intelligent vehicles and advanced air mobility. It is the kind of slot that can tip into hype. On this programme it was presented as part of a wider stack, not as a separate circus act.

Physical AI, Explained for Dubai

Dubai Brand Night brings XPENG’s ‘Physical AI for All’ vision to the region, with the GX and G9L showcasing how intelligent mobility and Kunpeng Range Extender technology can meet the demands of long-distance driving in the region’s challenging climate..

Dr. Brian Gu, Vice Chairman and President, XPENG

That climate line is not decorative copy in the UAE. Heat, highway pace and uneven charging density still shape purchase decisions, which is why range-extender messaging sits so comfortably next to pure-electric talk here.

The phrase Physical AI can sound abstract until you hear it next to concrete products. On Brand Night it meant AI cars with serious onboard compute, a design system with a named chief, and air-mobility ambitions shown in the same programme as showroom SUVs. Whether every guest left fluent in the jargon is beside the point. The structure of the evening forced the association: software, design and future mobility were not side rooms. They were the spine.

A Local Network Behind the Night

XPENG did not arrive in Dubai as a stranger. The UAE was XPENG’s first market in the GCC. The company announced its UAE partnership in February 2024 and opened the market on 19 October 2024 with the G6 and G9. Gulf Star Motors has since established showrooms on Sheikh Zayed Road in Dubai and in Abu Dhabi, the retail footprint that makes a Brand Night feel like a continuation rather than a cold start.

After-sales has been part of that story too. XPENG’s first Middle East spare-parts warehouse in Jebel Ali Free Zone was inaugurated on 15 October 2025.

XPENG’s rapid growth across the Middle East is being supported by a robust logistics foundation, with the Dubai hub enabling timely parts supply and faster response to local customer needs — an important factor in building long-term confidence in the brand.

Ken Wang, General Manager and Managing Director, XPENG Middle East, Africa and Caucasia

Why the UAE Timing Fits

The Brand Night and New Product Launch arrives as the UAE continues to lead the GCC on electric-mobility readiness. According to Arthur D. Little’s GEMRIX 2026 as reported by WAM, the UAE ranked first among GCC markets and 22nd globally, with electric vehicles accounting for around 9 percent of new vehicle sales in 2025, about 2,800 charging points nationwide, and a national ambition for electric and hybrid vehicles to make up 50 percent of vehicles on its roads by 2050.

Dubai aims for electric vehicles to represent more than 15 percent of its fleet by 2030. The Brand Night and New Product Launch sits within that national drive under the UAE Net Zero 2050 Strategy.

Those numbers do not make any single launch inevitable. They do explain why a night built around AI mobility, long-range electrified SUVs and after-sales confidence can land cleanly here. Net Zero 2050 is policy context. Brand Night was product and persuasion.

What Stayed With Us

Leave the slogans aside and the evening still had a practical shape. Two SUVs for UAE customers. A design language with a named lead. A flying-car session that kept Physical AI from sounding like a brochure heading alone. A distributor network already on Sheikh Zayed Road and in Abu Dhabi, with a JAFZA parts hub behind it.

Through Gulf Star Motors, XPENG Brand Night and New Product Launch strengthens the brand’s offer of AI-enabled, long-range electrified SUVs for customers across the UAE. The cars will still have to win in traffic, heat and service bays. On 2 November, the brand at least made sure the UAE saw the wider system it wants those cars to sit inside.

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Chinese Cars Are Reshaping the GCC Market, but Resale Value Could Be the Next Battleground

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The GCC automotive market is undergoing a significant transformation. Chinese manufacturers are expanding their presence, established brands are navigating supply chain disruptions, and consumers are reassessing the economics of vehicle ownership.

At Keyloop Fusion Live Dubai, Srijith KN, spoke with Nour Abu-Safe, Head of Insights & Analytics at AutoData Middle East, about the changing competitive landscape, the impact of regional logistics challenges, and the opportunities emerging for automotive retailers.

Drawing on market intelligence, vehicle valuation data and industry research, she explains why technology alone may not guarantee long-term customer loyalty, why hybrids currently offer stronger residual value, and why the next major opportunity for dealerships could lie in pre-owned Chinese SUVs.

How are disruptions around the Strait of Hormuz affecting established automotive brands, and could the market changes become permanent?

Initially, many believed the disruption would be temporary. However, the data is beginning to show that market conditions are solidifying and businesses are adapting.

Traditional manufacturers, particularly Japanese brands such as Toyota, Nissan and Lexus, are experiencing challenges getting inventory into the region.

Chinese manufacturers have been more agile because several operate their own vehicle carrier fleets and logistics networks. This has allowed them to establish alternative routes into the GCC.

We have seen a 90% reduction in Japanese vehicle imports into the region, linked to the disruption around the Strait of Hormuz.

Alternative routes through ports outside the Gulf and via the Red Sea and Saudi Arabia are increasingly being used. However, these arrangements are creating delays, with vehicles now taking approximately six to eight weeks to reach showrooms.

The important development is that the market is adapting. Some of the alternative logistics routes established during this period could remain in use for years to come.

Are Chinese automotive brands attracting an entirely new generation of buyers, or are they winning customers away from established manufacturers?

It is a combination of both.

Younger consumers, particularly those between 19 and 30, are increasingly attracted to Chinese vehicles because of their styling, advanced technology, competitive pricing and safety features.

For younger families, especially those entering parenthood, these features can be important purchasing considerations.

Chinese vehicles also tend to offer attractive warranty and servicing packages, making them appealing to consumers who want to reduce their overall ownership costs.

Older buyers, particularly those in their 40s and 50s, generally demonstrate stronger loyalty towards established manufacturers and premium brands.

However, Chinese manufacturers are increasingly entering the premium segment as well, and we are beginning to see them capture some of that market share.

These demographic observations are also supported by consumer research, including studies published by YouGov, which we reference in our market analysis.

Chinese vehicles are becoming increasingly sophisticated. But can manufacturers sustain customer loyalty when technology evolves so quickly?

This is one of the most interesting challenges facing Chinese manufacturers.

Advanced technology is a powerful selling point. It looks attractive in marketing materials and helps manufacturers differentiate their vehicles.

However, rapid technological advancement also accelerates depreciation.

When a manufacturer introduces a significantly improved model within a short period, previous model-year vehicles can quickly appear outdated. That creates challenges for residual values and the used-car market.

For dealerships, the opportunity is to identify vehicles that offer a balance between modern technology and proven, practical features.

Hybrid vehicles are an interesting example because they combine improved efficiency with familiar internal combustion technology.

A vehicle that balances innovation with long-term usability may be better positioned to retain customers over five to ten years than one that depends primarily on the latest technology.

Chinese manufacturers are doing many things well, but the next few years will reveal how effectively they manage this challenge.

With affordability becoming increasingly important, how are vehicle financing and leasing models evolving across the GCC?

Vehicle demand remains present, and manufacturers have found ways to maintain supply despite the disruptions.

However, we could see greater pressure on consumer finances over the coming year.

That creates opportunities for financing and leasing providers.

Financing offers with zero down payment are becoming particularly relevant for buyers who may not have sufficient funds available for a substantial upfront payment.

On the leasing side, some operators are reporting demand increases of approximately 30% to 35%.

Consumers still need vehicles for everyday mobility, but some are becoming more reluctant to take on the financial commitment and risk associated with outright ownership.

Leasing offers an alternative that can address those concerns.

What is the biggest opportunity dealerships may be overlooking today that could become particularly important in 2027?

Used Chinese SUVs.

SUVs represent the largest vehicle body-type segment in the region, and the growing population of Chinese SUVs creates a significant opportunity for dealerships.

The first owner typically absorbs much of the vehicle’s depreciation during the initial two to three years. In some cases, that depreciation could be around 50%.

For dealerships, this creates an opportunity to develop certified pre-owned programmes around relatively young Chinese SUVs.

A three-year-old vehicle may still be in excellent condition and covered by its original warranty or service package.

If dealerships can price these vehicles correctly, they can attract buyers who cannot afford a brand-new SUV but still want a modern, well-equipped vehicle.

This could become an important growth segment for the automotive retail industry.

For consumers considering a vehicle purchase today, which offers the strongest proposition: petrol, hybrid, electric or a competitively priced Chinese vehicle?

There is no single answer because the decision depends on individual priorities.

However, when we compare petrol, hybrid and electric vehicles, our current data indicates that hybrids retain their value best.

They offer fuel efficiency while maintaining the familiarity and convenience of an internal combustion engine.

For buyers concerned about long-term value, that makes hybrids particularly attractive.

Chinese manufacturers, meanwhile, are becoming increasingly competitive on design, pricing and technology.

Vehicles such as the ROX 01 and Jetour G700 demonstrate how Chinese brands are entering segments traditionally dominated by established SUVs such as the Toyota Land Cruiser and Nissan Patrol.

The competitive landscape is changing considerably.

One particularly interesting insight from our latest data is that 48% of the new 2027-model vehicles arriving in the UAE are Chinese brands.

That tells us how aggressively these manufacturers are planning their product introductions, expanding supply and positioning themselves to attract both new and existing automotive customers.

The next few years will be particularly interesting as these changes reshape the balance between established manufacturers and emerging competitors.

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The AI Learning Dilemma: Better Answers, But Better Thinkers?

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As artificial intelligence becomes embedded in higher education, universities face a growing challenge: ensuring that students develop independent thinking rather than simply producing polished AI-assisted work. From rethinking assessments to preserving the value of intellectual effort, the conversation is shifting towards what Turnitin calls learning integrity.

In this interview with Amal Dimashki – Regional Director, MENAT & Pakistan, Turnitin explores how institutions can balance AI adoption with critical thinking, meaningful assessment and the development of essential learning skills.

Amal Dimashki, Regional Director – MENAT & Pakistan, Turnitin



Students are becoming increasingly comfortable prompting AI, but how can universities ensure they are still developing independent reasoning and critical thinking rather than simply producing better AI-assisted answers?

Prompting is becoming an important skill, but being able to write a sophisticated prompt is not the same as being able to think critically.

AI can be a very effective learning partner. It can help students brainstorm, explore different perspectives, challenge an argument or receive feedback on something they have written. But students still need to do the cognitive heavy lifting. If they simply prompt AI for an answer and then refine that answer until it looks better, we may improve the quality of the output without necessarily developing the student’s thinking.

This is why AI literacy needs to go beyond teaching students how to prompt. Students need to learn how to critically evaluate AI-generated content, verify information and sources, question what they are given and make their own judgments about the output. Turnitin’s guidance on responsible prompting encourages students to engage with AI iteratively and interrogate its responses rather than simply accepting what it produces.

We want students to use AI as a learning partner while remaining actively engaged in the learning process and taking ownership of the work they produce. Turnitin’s guidance to students reinforces this by encouraging them to ensure that the majority of their work remains their original thinking.

Universities therefore need to develop AI literacy alongside critical thinking and independent judgment, so that becoming better at using AI does not come at the expense of developing the skills students are there to learn.

What should a modern assessment look like if institutions want to measure a student’s actual understanding rather than just the quality of the final submitted work?

In an AI-enabled environment, assessing only the final product gives us a limited view of whether learning actually took place. A polished final submission does not necessarily tell us how the student arrived there.

This is where a process-based approach to assessment becomes increasingly important. Educators can build meaningful checkpoints into the learning journey through outlines, drafts, formative feedback, revisions and reflection. This allows them to see how the student’s thinking developed, how they responded to feedback and where they may need additional support. Turnitin’s multipart assignments, for example, are designed around structured checkpoints for guidance and reflection throughout the writing process.

At Turnitin, we refer to the broader framework behind this as learning integrity. It expands traditional academic integrity by placing greater emphasis on the integrity of the learning process and ensuring that students are doing the work necessary to learn and develop.

It brings us back to a familiar principle: “show your work.” Greater visibility into drafts, revisions and the development of ideas gives educators richer evidence of how a student approached the assignment rather than relying on a single snapshot at the end. Turnitin Clarity, for example, provides visibility into how students develop their work from ideation through to final submission.

This does not mean making every assessment more complicated. It means designing assessment around the learning objective and creating opportunities for students to demonstrate that they have developed the skills being assessed.

The final submission will continue to matter, but it can be considered alongside evidence of the learning process that produced it.

AI makes it possible to get answers, summaries and explanations almost instantly. Do you worry that this could reduce students’ ability to sustain attention, read deeply and work through difficult material without immediate assistance?

There is certainly a risk, and students themselves recognise it. Turnitin’s research found that 64% of students are concerned that the use of AI in education may be shortcutting their learning.

Learning should not become a completely frictionless process. Researching a subject, developing a point of view, articulating ideas with evidence, editing and working through something difficult all require effort, and some of that effort is where learning happens.

Turnitin refers to this through the concept of “productive struggle.” Cognitive growth and long-term retention require students to engage with difficulty rather than having every challenge immediately removed for them.

That does not mean students should struggle without support. AI can provide guidance and feedback throughout the learning process. Turnitin Clarity’s AI Assistant, for example, is designed to prompt reflection and support students throughout their writing without generating the full response for them.

As AI becomes more capable, preserving productive struggle will become increasingly important. We want students to benefit from the support AI can provide without removing the effort involved in developing knowledge and skills.

4. Looking ahead, how do you see the role of academic integrity evolving as AI becomes embedded in writing, research and learning, and what will universities need to change over the next few years?

Academic integrity will remain fundamental, but its role is expanding as AI becomes embedded in learning.

At Turnitin, we describe this evolution through learning integrity, a proactive expansion of traditional academic integrity that places greater emphasis on the integrity of the learning process. It reflects the need to understand how students are developing their work and ensure they are developing the skills their education is intended to build.

Over the next few years, universities will need to translate this into practice. AI governance needs to provide educators with clear guidance, while recognising that responsible AI use will not look the same across every subject or assessment. Turnitin’s learning integrity framework recognises a spectrum ranging from no AI in some contexts to defined AI use cases and more open use in others.

Educators will also need greater agency over how AI is introduced into teaching and assessment. Turnitin’s latest Learning Integrity Insights found that AI decision-making is moving closer to faculty and teaching and learning leaders, while educators are asking for education-specific AI that is flexible enough to reflect how they actually teach and design assignments.

Technology therefore needs to adapt to pedagogy, rather than pedagogy adapting to the technology. This is the principle behind Turnitin Clarity’s configurable AI settings, which allow educators to determine the level and type of AI support appropriate for an individual assignment.

Over the next few years, universities will need to bring these pieces together: clear AI governance, greater educator agency, assessment practices that support learning integrity, and technology designed around the needs of teaching and learning.

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