Financial
Lebanon fintech investment: Whish Money Q&A
Lebanon’s financial system has faced extraordinary pressure in recent years. Yet within these challenges lies an unexpected opportunity: the rise of Lebanon fintech investment as a driver of inclusion and growth. Among the companies leading this shift is Whish Money, a digital-first platform serving more than 1.3 million users in 110 countries. In this exclusive Q&A, Toufic Koussa, Co-Founder and CEO, explains how Lebanon can position itself as a hub for fintech despite ongoing uncertainty.
Lebanon fintech investment appeal for global investors
Q: In Lebanon’s current economic climate, what factors can attract local and foreign fintech investment, and how is Whish Money positioned to benefit?
Toufic Koussa: Lebanon’s economy has created a surge in demand for secure, accessible, and compliant financial solutions. Investors now search for opportunities where technology fills urgent gaps. They want platforms that streamline payments, enable quick transfers, and promote financial literacy. Whish Money’s 1.3 million users across 110 countries show that fintech can scale locally and globally. Our commitment to trust and inclusivity makes us an attractive partner for Lebanon fintech investment.
Strategies sustaining Lebanon fintech investment growth
Q: What investment strategies and operational efficiencies have been key to sustaining Whish Money’s growth in an uncertain regulatory and economic environment?
Toufic Koussa: Growth in Lebanon could not depend on costly infrastructure. Instead, we focused on agility and smart resource allocation. Scalable digital rails and strong compliance frameworks gave us a solid base. We relied on strategic partnerships rather than trying to build everything in-house. This approach kept us flexible and efficient. At the same time, we co-created our roadmap with users. Services such as instant transfers and QR payments solved real problems. Each decision translated into adoption and sustainable growth—strengthening Lebanon’s fintech investment landscape.
Partnerships powering Lebanon’s fintech investment ecosystem
Q: How do partnerships with Visa, Mastercard, and TerraPay boost investor confidence and accelerate market expansion locally and abroad?
Toufic Koussa: Partnerships are central to our expansion. When Visa and Mastercard integrate with Whish, it confirms that our platform meets global standards. It also proves our ability to connect seamlessly with international ecosystems. TerraPay and Ria extend our reach to Lebanon’s diaspora, making remittances faster and safer. These alliances inspire confidence, increase scalability, and highlight Lebanon as an emerging fintech investment hub.
How Lebanon fintech investment empowers communities
Q: How can fintech—especially digital payments—drive economic empowerment in Lebanon, and what investment in infrastructure or regulation is needed to maximize this impact?
Toufic Koussa: Digital payments empower people and businesses alike. Workers who receive wages digitally enter the formal economy and gain access to vital protections. Merchants who accept QR payments reach more customers and reduce dependence on cash. Families who rely on remittances benefit from transparent and instant transfers that improve stability. To maximize these gains, Lebanon must invest in infrastructure and adopt forward-looking regulation. The Central Bank of Lebanon licenses Whish Money, but progress depends on broader collaboration. Regulators, telecom providers, and fintech innovators must work together to unlock the full promise of Lebanon fintech investment.
Lessons shaping Lebanon’s fintech investment future
Q: From serving over 1M users in 110+ countries, what lessons can you apply to Lebanon’s fintech scene, and how do you position the country as attractive for fintech investors?
Toufic Koussa: Our journey shows that agility and customer focus drive scale. We built a culture that listens to communities and responds with transparent solutions. This approach ensures innovation is tied to real needs, not abstract ideas. Internally, we promote continuous learning, which allows us to adapt to changing conditions.
For Lebanon to draw investors, it must embrace entrepreneurship, encourage collaboration, and support startups with impact-driven missions. Above all, the ecosystem should build trust and prioritize transparency. With these values in place, Lebanon can emerge as a hub where innovation and inclusion converge. That vision makes Lebanon fintech investment a story of resilience and opportunity.
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Cover Story
UAE Investors Want More Than Just Trading Apps
Traders’ Hub’s Michael Barbour on investor trust, technology, and the future of finance in the Gulf.
BY SRIJITH KN FOR FINANCIAL INTEGRATOR
Over the past few years, investor participation across the region has evolved beyond speculative trading activity into something far more structured, technology-driven, and institutionally aligned. Retail traders are becoming increasingly sophisticated, expectations around transparency and execution quality are rising, and financial platforms are under pressure to offer far more than simple market access.
The speculative frenzy that once defined large parts of retail trading is gradually giving way to a more measured investor mindset, shaped largely by regulation, financial awareness, and long-term wealth preservation rather than short-term market excitement.
In this changing landscape, brokerage firms are no longer positioning themselves purely as trading providers. Instead, many are beginning to evolve into broader financial ecosystems, combining infrastructure, education, technology, regulatory credibility, and long-term investment access into a single platform experience.
For UAE-based firms such as Traders’ Hub Capital Markets, this shift represents more than market expansion. It signals a transformation in how the region’s next generation of investors may engage with financial markets altogether.
Founded in 2022 and headquartered in Abu Dhabi, Traders’ Hub has rapidly positioned itself as a locally regulated, technology-enabled brokerage focused on transparency, multi-asset access, and client-centric trading infrastructure.
Today, the company offers access to more than 2,000 instruments across forex, commodities, equities, indices, and cryptocurrencies, while simultaneously preparing for a broader move into wealth management and long-term investment services.
But the story surrounding Traders’ Hub is not simply about growth.
It is also about the wider evolution of the UAE’s financial ecosystem itself.
THE SHIFT IN UAE INVESTOR CULTURE
Across the GCC, financial participation is changing shape.
The rapid rise of digital platforms, increasing financial literacy, regulatory modernization, and mobile-first investing have fundamentally altered how younger investors interact with markets.
In parallel, the UAE has continued strengthening its position as a regional financial hub, attracting capital, fintech innovation, institutional activity, and globally mobile investors seeking regulated access to international markets. This transformation has also created new expectations.
Today’s investors are increasingly prioritising transparency, regulatory protection, execution quality, multi-asset accessibility, and seamless digital experiences.
In many ways, expectations around trading platforms are beginning to resemble expectations traditionally associated with banking and wealth management institutions.
According to Michael Barbour, Head of Product Implementation at Traders’ Hub Capital Markets, these changes reflect a deeper transformation in investor behaviour itself.
“Investors increasingly seek integrated, trustworthy financial ecosystems prioritising long-term value, convenience, and institutional-grade service.”
Over the past five years, the psychological profile of the UAE investor has gradually shifted from short-term speculation toward a far more informed, disciplined, and globally aware mindset. Earlier retail participation was often driven primarily by leverage, speed, and short-term market movements. Today, however, younger investors across the UAE are becoming more research-driven, risk-conscious, and focused on long-term wealth creation rather than impulsive trading behaviour.

Modern traders are also seeking far more than market access alone. Transparency, educational support, analytical tools, platform stability, and institutional credibility are becoming increasingly important components of the investor experience itself.
FROM SCOTLAND TO GULF CAPITAL MARKETS
Long before helping shape the growth trajectory of Traders’ Hub Capital Markets, Michael Barbour’s early ambitions were far removed from financial markets.
Growing up in Stonehaven, a small Scottish town south of Aberdeen, he originally aspired to become a professional footballer, eventually playing semi-professionally before moving into finance.
His early exposure to financial systems came during the 2008 financial crisis while working within the legal and asset management sector in Scotland, assisting major UK banking institutions in managing distressed real estate portfolios during one of the most volatile periods in modern financial history.
That experience, combined with his later move to the Middle East in 2011 and subsequent years at the Dubai Gold and Commodities Exchange (DGCX), helped shape a perspective grounded not only in trading infrastructure, but in how markets behave under pressure, uncertainty, and rapid transformation.
Today, that institutional perspective continues influencing Traders’ Hub’s broader focus on operational credibility, technology infrastructure, and long-term investor engagement across the UAE market.
BUILDING A LOCALLY ROOTED TRADING PLATFORM
One of Traders’ Hub’s strongest positioning advantages lies in its status as a UAE-regulated Category 1 Capital Markets Authority (CMA) licensed broker, one of the highest licensing classifications within the country’s financial ecosystem.
In a market where offshore platforms have historically dominated retail participation, regulatory credibility has become increasingly significant, particularly as investors grow more conscious of operational risk, fund protection, execution transparency, and long-term platform reliability.
Rather than positioning itself through aggressive speculative messaging, Traders’ Hub appears to be building its identity around institutional-grade infrastructure, operational discipline, and client alignment.
Its trading environment is built around a Straight Through Processing (STP) execution model, meaning trades are routed directly to liquidity providers rather than internally warehoused by the broker itself.
In increasingly crowded financial markets, brokerage differentiation is no longer being shaped purely by leverage offerings or execution speed. Investors across the UAE are becoming far more conscious of pricing transparency, liquidity structures, operational credibility, and how trades are ultimately executed, particularly as financial literacy continues maturing across the region.
According to Michael Barbour, many investors still misunderstand how brokerage models differ operationally, particularly around spreads, slippage, pricing structures, and conflicts of interest between market-making and STP environments.
For Barbour, transparency itself is becoming a defining factor in long-term investor confidence.
Modern investors are also becoming more selective around how brokers disclose execution policies, fee structures, liquidity relationships, and client fund protections. In many ways, execution architecture itself is increasingly becoming part of the trust equation.
For regulated regional firms such as Traders’ Hub, this shift may ultimately represent a broader advantage. As investor sophistication continues evolving across the UAE, operational credibility and institutional transparency are beginning to matter as much as platform functionality itself.
FROM BROKERAGE TO FINANCIAL ECOSYSTEM
The transition from Traders’ Hub Currency Brokerage to Traders’ Hub Capital Markets reflects more than a naming evolution. It signals a broader ambition to position the company as a longer-term financial institution within the UAE’s evolving investment ecosystem.
Globally, the distinction between trading platforms, investment platforms, and wealth management ecosystems is beginning to blur. Increasingly, investors no longer want fragmented financial experiences spread across multiple platforms. Instead, they are seeking connected environments capable of combining active trading, long-term investing, financial planning, analytics, and educational support within a single ecosystem.
For Traders’ Hub, this transition also reflects an effort to solve a longstanding regional friction point: the difficulty many UAE investors face when moving between active trading and structured long-term wealth accumulation.
“The modern investor no longer wants isolated trading access. They want a complete financial environment,” says Barbour.
The company’s planned expansion into wealth management and broader investment services reflects a wider regional shift toward more integrated financial participation models.
TECHNOLOGY, AI, AND THE NEXT INVESTOR EXPERIENCE
As trading platforms become increasingly automated and algorithmically assisted, the financial industry is also confronting a deeper question: how much of investing should remain human?
Technology is rapidly becoming the defining layer of modern financial platforms, from AI-assisted analytics and mobile-first investing experiences to increasingly sophisticated execution infrastructure.
But while automation can enhance speed and efficiency, long-term investing still remains deeply shaped by human behaviour itself. Markets continue being influenced by fear, overconfidence, emotional reaction, and risk perception, factors technology alone cannot fully eliminate.
One potential differentiator for firms such as Traders’ Hub may therefore lie in how effectively they balance algorithmic intelligence with human judgement.
EDUCATION, TRUST, AND LONG-TERM ENGAGEMENT
As trading participation expands across the GCC, financial platforms are increasingly carrying responsibilities extending far beyond market access alone.
While digital platforms have lowered barriers into global financial markets, they have also intensified conversations around behavioural investing, financial literacy, emotional discipline, and long-term risk awareness.
Increasingly, sustainable platform growth may depend not only on user acquisition, but on trust, transparency, and investor education itself.
In the GCC particularly, where retail participation continues expanding rapidly, financial firms are beginning to recognise their role in shaping long-term investor behaviour and financial understanding.
THE NEXT PHASE OF REGIONAL FINANCE
The UAE’s financial landscape is evolving rapidly.
As regulation strengthens, investor sophistication increases, and technology continues reshaping how capital moves through markets, financial platforms and capital markets institutions are being forced to rethink what they represent within the broader financial ecosystem.
The company’s broader direction, spanning infrastructure investment, wealth management expansion, AI integration, mobile accessibility, and educational initiatives, reflects a wider regional transition toward more mature, technology-enabled financial participation.
Barbour believes the future of finance will increasingly belong to intelligent platforms capable of combining technology, trust, education, accessibility, and long-term wealth creation into a unified experience.
Whether this next generation of financial platforms ultimately succeeds will depend not only on execution speed or product breadth, but on something far more enduring: trust.
And in an increasingly crowded financial landscape, trust may ultimately become the most valuable asset of all.
Financial
Vintage Vaults: Dubai’s Premium Safe Deposit Box Facility at Mall of the Emirates
As UAE residents prepare for summer holidays, international travel and seasonal relocation, Vintage Vaults, Dubai’s premium safe deposit box facility at Mall of the Emirates, is highlighting the importance of secure private vault storage for valuables, documents and high-value personal assets.

From jewellery and luxury watches to family heirlooms, legal documents, precious metals and collectibles, extended periods away from home can heighten concerns around security, accessibility and long-term protection. For residents, expatriates, investors and frequent travellers, secure storage during travel in the UAE has become an increasingly important part of responsible asset protection.
Vintage Vaults provides private safe deposit box rental in Dubai for individuals, families, collectors and business owners seeking a modern, discreet and service-led alternative to conventional safety deposit boxes. Combining advanced security infrastructure with premium client experience, the facility has been designed for clients who value privacy, convenience and peace of mind.
Located within Mall of the Emirates, Vintage Vaults offers client access during mall operating hours, 365 days a year. The facility operates within a 24/7 monitored security environment supported by UL-certified vault infrastructure, biometric authentication, controlled access systems, AI-powered surveillance, CCTV monitoring, motion detection technology and advanced alarm systems. It is also directly connected to Dubai Police and SIRA-linked monitoring systems, further strengthening its security framework.
Clients can choose from seven safe deposit box sizes ranging from XXS to XXL, accommodating a wide variety of assets including jewellery, watches, gold, cash, legal documentation, family archives, artwork and collectibles. Every box comes with complimentary insurance coverage, with protection of up to AED 2 million depending on the selected membership tier.
“Dubai has become home to a growing number of individuals and families who have accumulated significant personal and financial assets over the years,” said Sherif El Haddad, Founder and CEO of Vintage Vaults. “At the same time, we are seeing greater mobility, with people travelling more frequently, spending extended periods abroad, relocating between countries or managing assets across multiple markets. Accordingly, secure storage is becoming an essential part of responsible asset management, particularly during periods when people are away from home.”
Vintage Vaults offers three membership categories — Silver, Gold and Black — providing varying levels of insurance coverage, security features, box access nominees and premium services. Clients also benefit from private consultation and access rooms designed to maintain discretion, alongside a multilingual team trained in security, privacy, client service and asset protection.
For clients requiring additional support, the facility offers premium services including chauffeur arrangements, armoured transportation and bodyguard assistance, creating a comprehensive asset protection ecosystem tailored to high-value holdings.
According to Imran Shoukat Khan, Co-founder and Managing Partner of Vintage Vaults, demand for private vault services is being driven by a broader shift in how residents and expatriates think about protecting their assets.
“Today’s clients expect more than storage. They want confidence that their valuables are protected by robust infrastructure, supported by technology and managed with complete client discretion,” said Imran. “Whether someone is travelling for several weeks, relocating internationally or safeguarding assets for future generations, secure private vault facilities provide essential storage with , protection against theft, damage or loss along with peace of mind.”
The summer season presents a timely opportunity for UAE residents and expats to review how their valuable possessions are stored and protected. For many, a safe deposit box in Dubai offers a practical solution for securing jewellery collections, investment-grade precious metals, luxury watches, important family documents and sentimental heirlooms before extended travel or temporary relocation.
As one of the few independent private safe deposit box operators in the UAE not affiliated with a bank, Vintage Vaults offers a level of discretion, flexibility and service that traditional banking institutions may not provide. By combining advanced security standards, complimentary insurance coverage, flexible storage options and premium client services, Vintage Vaults continues to provide a trusted destination for clients seeking long-term asset protection in one of the world’s most dynamic wealth centres.
Financial
Standard Chartered H2 2026 Global Market Outlook: Navigating Shifting Sands
Standard Chartered (“the Bank”) Wealth Solutions Chief Investment Office (CIO) has released its Global Market Outlook for the second half of 2026, outlining its investment strategy and key themes as investors navigate a more complex and evolving market environment. The report was launched alongside Global Market Outlook events in Dubai and Abu Dhabi this week, the first of their kind for the Bank regionally for the second half of this year.
The Bank’s CIO expects risky assets to remain supported by a soft-landing macro backdrop, though investors will need to navigate energy prices, equity supply, investor positioning and central bank policy in H2 2026.
For investors in the UAE and wider Middle East, evolving energy dynamics and easing geopolitical risk premiums following the US-Iran interim deal are expected to support sentiment, while stable oil prices and strong regional liquidity continue to underpin investment activity and diversification opportunities.
Against this backdrop, the CIO remains Overweight global equities, with a preference for the US and Asia ex-Japan, alongside selective opportunities in fixed income and alternatives.
Reflecting this stance, the CIO team sees further upside in key asset classes, with a target of 7,950 for the US S&P 500 index and USD 5,100 for gold by mid-2027, underscoring the role of equities as a core growth driver and gold as a strategic portfolio diversifier.
Global equities rose more than 12% year-to-date, supported by strong earnings and AI-driven optimism, despite geopolitical tensions, higher oil prices and elevated bond yields.
While this momentum is expected to extend into H2, investors will need to be more nimble as markets adjust to four key pivot points: energy prices, equity supply, investor positioning and central bank policy.
In the Middle East, including the UAE, oil market developments remain particularly relevant. While the interim US‑Iran agreement may ease supply constraints and soften prices, the pace of recovery in physical flows and inventory rebuilding is why energy prices are unlikely to immediately return to start-of-year levels, a key factor shaping inflation expectations and investment opportunities.

Ayesha Abbas, Managing Director and Head of Affluent and Wealth Solutions, Europe, Middle East and Africa, and UAE at Standard Chartered, said: “UAE investors are entering the second half of 2026 from a position of strength. The region continues to benefit from supportive liquidity conditions and the stabilisation of oil markets. In this environment, we are seeing strong demand for diversified portfolios that balance growth opportunities in global equities with income strategies such as Emerging Market USD bonds, alongside gold as a strategic hedge. For internationally minded clients in the UAE, staying invested and well-diversified will be key to capturing opportunities as markets evolve.”
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