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Driving the Digital Economy: How the UAE is Revolutionizing Payments and Tourism

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Visa digital economy

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.

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The Shift to Unified Content Workflows Is Redefining Enterprise Media!

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By: Srijith KN


Walk into any modern content setup today, whether it’s a podcast studio, a corporate webinar room, or a hybrid event environment, and you’ll see a familiar pattern, one that reflects how fragmented the content production stack has become.

A microphone connected to an interface.
An interface connected to a laptop.
A laptop running multiple layers of software to mix, switch, stream, and record.

It works, but it’s rarely seamless.

Because the biggest challenge in content creation today isn’t access to tools, it’s understanding how they all fit together.

The Real Problem: Too Many Tools, Too Little Clarity

The rise of podcasting and video content has created a new kind of friction. Users are no longer asking what they can create; they are asking how to make the tools work together.

Recording audio separately, syncing video later, transferring large files to high-end machines, and relying on multiple software layers have become the default workflow. It works, but it is inefficient, expensive, and prone to failure.

The expanding ecosystem of devices, features, and formats has made even basic setup decisions unnecessarily complex.

When it comes to products from RØDE, users & creators already recognize the product’s potential to simply clarify and help elevate the overall workflow experience.

From Tools to Unified Systems

This is where the shift begins to stand out.

What we are seeing is not simply the addition of new features, but the consolidation of functions.

Mixer. Recorder. Audio interface. Video switcher. Stream encoder.

What traditionally required a stack of hardware and software is now being brought into a single console environment.

For creators, that simplifies production.

For enterprises, it changes how content infrastructure is designed.

As this shift gains momentum, it is also being acknowledged at a leadership level.

“Real innovation isn’t about adding more; it’s about removing friction and enhancing workflows.

With the introduction of platforms like the RØDECaster Video, we’re starting to see audio and video unified in one system, unlocking faster, more focused creative output.”

Kalinda Atkinson,
Global Marketing Director, RØDE

Why This Matters Beyond Creators

This shift is not limited to podcasters or streamers. Enterprises are increasingly building in-house content studios, executive communication channels, internal video platforms, and hybrid event capabilities as part of their broader communication strategy.

In these environments, complexity quickly becomes a bottleneck. Multiple tools often translate into longer setup times, increased points of failure, and a growing dependency on technical operators to manage what should ideally be straightforward workflows.

A unified system begins to reduce that friction, allowing teams to focus less on managing the process and more on the output itself.

The End of the Laptop-Centric Setup

One of the most significant changes is subtle: the laptop is no longer central.

With recording, streaming, and switching built directly into the console, content can now be produced without relying on external software or intermediary platforms. Audio and video routing happens natively within the system, removing the need to manage multiple layers of tools.

This, in turn, reduces reliance on tools like OBS Studio and lowers the need for high-performance machines in the production chain.

Broadcast Capabilities, Simplified

Features that were once limited to broadcast environments are now being integrated directly into compact systems. Capabilities such as multi-camera switching, ISO recording with separate tracks for each input, audio-based automatic switching between speakers, and network-driven video workflows like NDI are no longer confined to high-end production setups.

For enterprise teams, this translates into professional-grade production without the need for dedicated control rooms or complex broadcast infrastructure.

Modularity Signals Long-Term Thinking

Another important shift lies in how these systems evolve over time.

With expansion options such as adding video capabilities to existing audio consoles, RØDE is enabling a more modular approach to production. Instead of replacing entire systems, users can extend them based on their needs.

This becomes particularly relevant for organizations that may begin with audio-first content using consoles such as the RØDECaster Duo or RØDECaster Pro II, gradually expanding into video production with consoles such as RØDECaster Video, RØDECaster Video S, or even the RØDECaster Core, and scaling internal media capabilities over time. The result is a more flexible investment model that reduces upfront costs while supporting long-term growth.

A Shift in the Competitive Landscape

On the surface, this still appears to sit within the audio hardware category. In practice, however, it competes with something far broader.

As these systems begin to handle capture, processing, and output within a single environment, they start to overlap with production software ecosystems, video switching platforms, and content workflow tools.

The implication is clear: when orchestration happens within the system itself, the need for external layers begins to diminish.

The Opportunity Ahead

As the layers of complexity fade, creators will have more time for creative storytelling and less time worrying about the setup.

The new products and technology from RØDE not only remove setup barriers, but they also enable creators & enterprises to operate at a full professional standard, accelerating both the creativity and innovation ecosystems.

Srijith KN covers enterprise technology, media infrastructure, and digital transformation across the Middle East.
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Cloud waste isn’t about Visibility it’s about Timing, says Atmoz CEO

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“Cloud waste isn’t created by bad engineers. It’s created by systems that show problems too late. Once I saw that, it became clear, the solution wasn’t better reporting. It was prevention.” – Atmoz CEO Yael Shatzky

Yael Shatzky didn’t set out to build a company around cloud costs. What she noticed, after more than 25 years across enterprise technology, product marketing, and growth at organisations including Amdocs and Microsoft’s R&D ecosystem, was a pattern.

Not just rising cloud spend, but a deeper structural disconnect in how it’s managed.

If you were introducing yourself and Atmoz to someone outside tech, where would you begin?

I’d say I’m building a company that changes how people think about waste—specifically cloud and AI waste.

Imagine a house where electricity prices constantly change depending on what you use and when, but no one knows the cost. Lights stay on, AC runs all day, and while you know you’re wasting about 30%, you have no way to prevent it. The only signal you get is last month’s bill.

That’s how companies operate in the cloud today.

Atmoz changes that by bringing cost awareness into the moment decisions are made, helping teams make smarter choices without disrupting how they work. The result is simple: waste is prevented before it happens.

What is the core problem Atmoz is solving—and where has the market gone wrong?

The market has focused on visibility, dashboards and reports that explain what already happened.

But the problem isn’t visibility.
It’s timing.

By the time companies see the data, the money is already spent and systems are already in production. Even with perfect visibility, nothing changes.

Atmoz works at the moment engineers are building, engaging them with immediate, simple recommendations that don’t slow them down. That’s where prevention becomes possible.

What does ‘AI-first’ product development look like at Atmoz?

We built a data foundation that reconstructs cost signals as resources are created, before billing data exists. That’s the hard part.

On top of that, we use AI where it matters most: interaction and execution. Our AI agent takes accurate, contextual data and delivers actionable recommendations directly within developer workflows.

Because the system is grounded in precise data, the guidance isn’t just intelligent, it’s reliable and immediately usable.

What are the biggest challenges in getting engineers to trust AI-driven recommendations?

Interestingly, it’s not trust in AI, it’s the belief that prevention is even possible.

For years, companies have been told they can reduce costs, yet around 30% of cloud spend is still wasted. That’s because most tools analyse waste after it happens, they don’t stop it.

Once engineers see an issue flagged in real time, with clear context and a simple fix, the skepticism disappears. It becomes tangible.

What is one leadership mistake that fundamentally changed how you operate?

Focusing too much on the product, and not enough on marketing early on.

Great products don’t speak for themselves, especially when you’re creating a new category. Marketing isn’t something you layer on later; it shapes how the product is understood and adopted. Starting early makes a significant difference.

Where do you see the biggest inefficiencies today?

The biggest inefficiency is the disconnect between engineering decisions and their financial impact.

Every time a developer deploys infrastructure or triggers an AI workload, they’re making a financial decision, without visibility into its cost implications.

AI is amplifying this. Costs are more volatile, and traditional feedback loops can’t keep up.

Atmoz brings cost awareness into that decision point, making efficiency part of the engineering discipline, much like security became over time.

At this stage, how do you define success?

Success isn’t a single milestone, it’s a series of moments.

Signing a new customer. Launching a capability that impacts spend. Getting a call from a customer excited because they just saved $30K on something they didn’t even know was happening.

Those moments are what drive us forward.

You’re defining a new category. What does it take to change long-held assumptions?

It starts with conviction. You’re asking people to question something they’ve accepted as normal.

But conviction alone isn’t enough, proof is everything. Category change happens when someone sees it working in their own environment and has that “aha” moment.

That’s why we focus on immediate, tangible value. When waste is prevented in real time, the mindset shift follows naturally.

Resilience also matters. When you challenge established models, you will be dismissed. The key is to stay grounded in the problem and keep showing evidence.

Has the industry been solving cloud waste the wrong way? Why hasn’t it changed?

I wouldn’t say wrong, FinOps tools solved the problem they were designed for. They brought visibility and governance, which was critical.

But they were built on the assumption that cost is something you analyse after it happens.

Today, cost is created instantly, when infrastructure is provisioned or AI workloads run. But feedback still comes later. That gap is the issue.

What’s changed is the pace of engineering. With AI, decisions are faster and costs are more dynamic. What used to be inefficient is now unsustainable.

That’s why prevention isn’t just an improvement, it’s becoming essential.

How will engineering teams work differently in five years?

Cost will no longer be treated as something external, owned by finance. It will become part of the engineering feedback loop, like performance or reliability.

Atmoz brings that awareness into everyday workflows, guiding better decisions without adding friction.

Over time, this shifts behaviour. Waste isn’t something you detect and fix later, it simply doesn’t get created.

The result is not just lower cost, but faster teams, better decisions, and more room to innovate.

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Huawei MatePad Mini: A Tablet That Feels Like a Real Notebook

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Huawei’s compact tablet feels less like a gadget and more like a thoughtfully designed digital notebook, blending portability with everyday productivity.

I have been using Huawei’s MatePad 11.5 S for a while now for writing, editing, and most of my day-to-day journalistic work. It has turned out to be a surprisingly capable productivity device. So, when the MatePad Mini arrived, I was curious to see how Huawei would translate that experience into a much smaller form factor.

Reviewed By: Srijith KN, Senior Editor, Integrator

Design and Accessories

The first thing that stood out during the unboxing was not just the device, its accessories! Huawei has clearly put thought into the overall experience. The tablet ships with well-designed cases, including a transparent option and a diary-style booklet cover.

The diary cover, in particular, immediately felt right to me. It makes the tablet feel less like a gadget and more like a compact notebook you would carry every day. There is a certain familiarity to it, almost like picking up a journal rather than a device.

Huawei also continues to include a charger in the box, and this one comes with a 66W unit, a thoughtful touch at a time when many brands have moved away from bundling one altogether.

Everyday Portability

The 8.8 inch tablet immediately feels comfortable in the hand. It is extremely light and compact, measuring just 5.1 mm thick and weighing around 255 grams. That portability is noticeable right away.


In many ways, it feels closer to carrying a paperback than a traditional tablet. I currently use the Nothing Phone 3 as my daily device, and at times even that feels heavier than this. The MatePad Mini, on the other hand, almost disappears in your hands.


Huawei is also using a magnesium alloy body here, which keeps the device light without compromising on rigidity. Given how thin it is, that added structural strength feels reassuring.

A Paper Like Experience That Works


Last night, I found myself reading long articles on it for hours without feeling any strain. That is where the device really begins to make sense.


It genuinely feels like a digital paper booklet, built for reading, note-taking, writing, or quickly catching up on work while on the move. The green variant, in particular, features Huawei’s PaperMatte display, and it is easily one of the most distinctive aspects of this device.


Huawei claims the display reduces up to 99 percent of ambient light interference, and in real-world use, that translates into a noticeably glare-free experience. Even under indoor lighting, reflections are minimal, and the screen remains comfortable to look at for extended periods.


At the same time, it does not compromise on performance. With up to 1800 nits of brightness, a 120Hz refresh rate, and a wide color gamut, the display manages to balance readability with visual richness, something that is not easy to get right in smaller devices.


There is also an eBook mode that shifts the display into a black and white, paper like view, along with other settings designed to reduce eye strain during longer reading sessions. Additional options like eye comfort and sleep mode further support extended use.


Writing and Creativity


I also spent some time using the M Pencil for quick notes, and the experience feels surprisingly close to paper. Coming from the MatePad 11.5 S, Huawei continues to deliver one of the better stylus experiences in this space.


The M Pencil Pro adds more depth to the experience than expected. With different tip options and subtle haptic feedback, writing feels more tactile and intentional, rather than just tapping on glass.


Paired with the updated Huawei Notes app, the experience becomes more refined. Features like handwriting enhancement subtly improve legibility without taking away the personal feel of your writing, making it especially useful for quick notes and longer-form thinking.

Hardware and Performance


The MatePad Mini packs a 6400 mAh battery with support for fast charging, capable of going from zero to full in about an hour. On paper, it looks promising, though I will reserve judgment until I have spent more time with it.


On the hardware side, it includes a 50MP rear camera and a 32MP front camera, along with stereo speakers, Wi-Fi 7, USB-C 3.0, and a fingerprint sensor, something I wish Huawei had included on the MatePad 11.5 S as well.

Editor’s Perspective

Whenever I am seen using a Huawei device, the first question that comes up from people around me is usually about the ecosystem, particularly about Google services.

I too had similar concerns earlier, but having used Huawei devices for a while now, the experience has been smoother than expected. HarmonyOS feels clean and fluid, and tools like GBox make it possible to access most essential apps. Even for someone deeply tied to Google services, it has been more manageable than I initially thought.


What becomes clearer over time is that this is not just a smaller tablet. It sits somewhere between an eBook reader and a productivity device, built for focused, everyday use.

The MatePad Mini does not feel like Huawei shrinking a tablet. It feels like a refinement of how a compact device should actually be used. Its notebook-like form, paper-inspired display, and practical accessories make it easy to carry, pick up, and use throughout the day.

It is still early days, but the first impressions are strong. In a crowded tablet market, this feels like one of the more purposeful and interesting form-factor than the other compacts that we have seen in a while.

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