Cover Story
Driving the Digital Economy: How the UAE is Revolutionizing Payments and Tourism
By Salima Gutieva, Vice President & UAE Country Manager, Visa
Digitizing commerce is high on the agendas of many countries across the globe. In the UAE, the government, recognizing the benefits of digital payments for consumers, businesses, and the national economy, is driving forward its digital economy agenda through strategic collaboration with local and global financial institutions, fintechs, the business community, and payment technology players.
The UAE government has also introduced important initiatives such as the Digital Economy Strategy to double the digital economy’s contribution to the country’s Gross Domestic Product from 9.7% to 19.4% within 10 years. For the UAE’s SME sector and entrepreneurs – a key engine of growth contributing as much as 63.5% to the country’s non-oil GDP – the government formed a National Entrepreneurship Agenda among other initiatives, to promote innovation and digital transformation within the sector.
Empowering SMEs and Entrepreneurs
According to Visa’s recent Value of Acceptance study, around 70% of retailers in the UAE said digital payments is essential to business growth. To empower SMEs, cost-effective acceptance solutions are instrumental in facilitating their growth and success. Initiatives like the She’s Next Grant Program provide valuable support to women entrepreneurs, contributing to a more inclusive business environment.
Furthermore, innovative payment solutions have been growing in popularity in the UAE, which enables retailers to offer their customers a seamless, secure, flexible credit option by way of installments. In fact, the UAE is the first market worldwide where Visa Instalment Solutions (VIS) was launched with a set of unique, industry-wide features.
Role of Fintechs in Boosting Digital Payments
Besides small businesses, the financial sector is also a key driver of the economy. The growth of this sector is fueled by fintech innovations, which have attracted large-scale foreign investments while supporting the growth of SMEs, promoting entrepreneurship, and providing employment. Various programs including the Visa Everywhere Initiative have been implemented to support fintechs and entrepreneurs and scale up their solutions to solve today’s – and tomorrow’s – challenges in digital payments and commerce.
Digital Payment Transformation for UAE Tourism
As the UAE continues to solidify its position as a global business hub, tourism emerges as another key driver of growth, contributing 11.7% to the economy and AED220 billion in 2023, according to the World Travel & Tourism Council’s (WTTC) 2024 Economic Impact Research.
This robust performance is further underscored by travel analysis company ForwardKeys, ranking the UAE among the top 10 tourism destinations worldwide experiencing the strongest growth in international visitors in 2023 compared to 2019. In fact, overall spending by international tourists in 2022 was close to AED117.6 billion in UAE, and in 2023 alone, international visitors surged by nearly 40%, with DXB airport emerging as the world’s busiest international airport, surpassing pre-pandemic passenger levels by a significant margin .
The UAE government recently announced an AED37 billion investment to support its 2030 tourism strategy to increase the sector’s GDP contribution. Digital payments also has an important role in the country’s tourism growth story. Despite the remarkable growth we’ve seen, the prevalence of cash transactions in crosshaverder spending and travel highlights a substantial opportunity for the tourism sector. Leveraging their inherent advantages such as ubiquity, convenience, security, reliability, and accessibility, digital payments are poised to reshape the tourism landscape in the UAE.
With security and convenience being paramount concerns post-pandemic, further modernizing digital payment infrastructure becomes imperative to meet the expectations of travelers and enhance their overall visitor experience in the UAE. By offering seamless and secure digital payment options, the UAE can position itself as an even more technologically advanced and visitor-friendly destination, further amplifying its appeal to global travelers.
That’s why companies within the industry must continue to leverage technology, brand, and global networks of cardholders, as well as their bank and merchant partners to support the UAE government’s efforts to promote tourism. Fostering public-private partnerships will further accelerate the adoption of digital payment solutions tailored to the unique requirements of the UAE’s tourism sector. This collaborative approach ensures that tourists have access to a diverse array of digital payment options, ranging from contactless payments to mobile wallets, facilitating frictionless transactions throughout their journey.
Innovation and Cybersecurity
Trust is the foundation of digital commerce. As consumers increasingly prioritize security and protect their personal information and funds, working to foster confidence in digital payments and commerce will be critical. As a company, we have invested more than $10 billion over the past five years to ensure secure transactions and build trust. In this regard, tokenization has revolutionized security for cardholders. This technology replaces sensitive card data with tokens, enhancing security, boosting sales conversions, and slashing fraud rates. It has boosted sales conversion by more than 5% and reduced fraudulent transactions by 30-50%.
Presently, issuers and merchants alike are turning to data and insights from Artificial Intelligence (AI) and Machine Learning data models. Then incorporated into the buyer journey, this data-led approach lowers checkout friction, enhances real-time decision-making, and lends a better customer experience.
To support this experience, Visa’s AI-driven security protocols help build a resilient, world-class digital payment infrastructure. The company is currently developing AI value-added services, such as Real-Time Payments (RTP) prevention for fraud prevention on account-to-account transactions, and smarter solutions for stand-in processing and settlement forecasting. This has included $500 million on AI and data infrastructure, enabling us to power 100 different capabilities that use AI to protect clients and customers. In fact, in 2022 alone, we proactively prevented $27.1 billion in potential fraud.
Technologies like Visa Advanced Authorization (VAA) and Visa Consumer Authentication Service deliver the intelligence to reduce fraud and false declines while limiting friction for a better cardholder experience. This year, we expanded our global Value-Added Services business with three new AI-powered risk and fraud prevention solutions.
Ensuring a secure and seamless digital payment experience is essential for building trust and confidence among consumers and businesses. There are many strategies in place, such as the National Cyber Security Strategy and the Dubai Cyber Security Strategy, which position the UAE as a leader in innovation, security, and safety.
The establishment of the UAE Cybersecurity Council in 2020 reflects the government’s commitment to enhancing cybersecurity measures. In addition to government efforts, private companies like Visa have invested in campaigns like Stay Secure with Dubai Police to educate people, businesses, and local communities on how to protect themselves from evolving cyber threats and fraud.
Future Forward: Transitioning to a Digital Economy
Various stakeholders, including international companies, local banks, businesses, and government entities, are committed to shaping the digital payments landscape in the UAE. Through continued collaboration, we can accelerate the transition from cash to a digital economy. This transition not only increases convenience and security for retailers and consumers alike, but also helps create an even more prosperous and inclusive future for everyone, everywhere in the country.
Cover Story
Inside Zoho’s UAE Data Centers:
Playing the Long Game in Cloud Infrastructure, Data Centers, Privacy, Cybersecurity, and Growth in the UAE
Integrator Media 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 executing 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 alignment (e.g., e-invoicing). Zoho is also experimenting with a B2C app (RRT), planning expansion into diaspora-rich markets after establishing reliability and product-market fit.
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?
Shailesh Davey:
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.
Automotive
Goodyear continues support for Team De Rooy in the 2025 Dakar Rally
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”.

Cover Story
PLAUD Note Pro: This Tiny AI Recorder Might Be the Smartest Life Upgrade You Make!
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.”
- Plaud Note Pro is now available for pre-order at https://uae.plaud.ai/pages/plaud-note-pro
- Plaud Note and NotePin are available at https://uae.plaud.ai
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