Cover Story
Building a Smarter Payment Ecosystem: Connecting Banks, Businesses, and Consumers in the UAE
Established by the Central Bank of the UAE in 2023, Al Etihad Payments is at the helm of revolutionizing the nation’s payment landscape—scaling up operations, taking charge of UAESWITCH and UAEWPS, and shaping the future of digital transactions.
In this exclusive interview with the Senior editor of Financial Integrator, CEO Jan Pilbauer shares his insights into the roll out of Jaywan and the evolution of Aani, unveiling the journey of domestic payment schemes, the hurdles faced in bringing them to the forefront, and the game-changing impact on merchants, financial institutions, and consumers alike. As the UAE races toward a fully integrated digital economy, this conversation breaks down the components of progress, giving you an inside look at where the future of payments is headed.
How is Al Etihad Payments transforming the UAE’s payment infrastructure to align with the country’s digital economy vision?
We are an organization dedicated to making your money move—seamlessly and tirelessly, 24/7. You don’t have to think about it, and that’s the way it should be. As a national payments company, our role goes beyond just technology— we help define the rules that govern how different players in the ecosystem interact. Payments should be effortless; people should only need to think about how much they need to pay, not how the payment system itself works.
Historically, many nations didn’t focus on their national payment systems. However, in recent years, countries have recognized that having a frictionless, efficient payments infrastructure is crucial for economic competitiveness. That is why we have seen the rise of national payment companies like Al Etihad Payments. The UAE took this step in 2023, and since then, we have been transforming the payments landscape. While the existing infrastructure served its purpose, our mission is to prepare it for the digital future and align it with the UAE’s vision for a thriving digital economy. We are committed to developing even better solutions for individuals and businesses across the UAE.
Can you share your journey as the CEO of Al Etihad Payments?
Al Etihad Payments was established two years ago. And I moved to the UAE specifically for its purpose. The company’s mission is straightforward—we aim to build one of the world’s most advanced, modern, and inclusive payment ecosystems. National payment infrastructure is about more than just technology; it’s about ensuring that everyone in the economy has access to and benefits from seamless financial services. I firmly believe that if we do this right, we can truly change people’s lives. Before joining Al Etihad Payments, I worked in various global jurisdictions. I spent time in Africa, where financial inclusion is a game changer. When people gain access to financial services, they can build credit histories, access loans, and improve their lives in transformative ways. It was an honour to be part of that journey. Prior to that, I worked in Canada, gaining experience in the North American and European financial sectors.
The past two years at Al Etihad Payments have been an incredible journey, and I’m particularly proud of what we have built. What I am most proud of is the team. We started as a kind of startup—building everything from scratch. We had the opportunity to shape the company’s culture and bring together people who are driven by a shared purpose: making a real impact on the country and enabling those around us to succeed. That takes a special kind of dedication, and I feel fortunate to be part of it.
What is Aani, and how does it enhance the payment experience in the UAE?
Aani in Arabic means “instant!” True to its name, Aani is an instant payment solution that enables money to move between two stores of value within seconds. It is fast, seamless, and designed for convenience. Previously, transferring money meant sharing lengthy IBAN numbers—where even a single typo could force you to start over.
How has Aani evolved since its launch, and what impact has it had on digital payments and financial inclusion in the UAE?
Aani is about empowering people with more choices, so they can decide whether to use cash or a digital payment method based on what is most convenient for them. When it comes to adoption, we are just over a year since Aani’s launch, and the results have been promising. So far, around 1.5 million people have signed up. That means users can already send and receive money using just a mobile number, email address, or even their Emirates ID—a significant milestone for digital payments in the UAE.
On the merchant side, we now have nearly 100,000 businesses enabled to accept Aani. If you walk into a traditional retail store today and ask about Aani, there is a high chance that they either already accept it or will very soon. Merchants can receive payments simply by generating a QR code, making digital transactions as easy as cash payments. This progress has led to significant transaction growth, with 20% to 30% month-over-month increases. Some days, we process up to 400,000 transactions, which is a strong indicator that adoption is steadily rising.
That said, humans are creatures of habit. Interestingly, 98% still use traditional IBAN transfers, despite the availability of more convenient options. This is likely because people already have their beneficiaries saved in banking apps, so they continue using IBANs by default. However, we are seeing gradual growth in mobile-number-based payments, which suggests a shift in behaviour over time.
As for the role of financial institutions, one of the unique aspects of Aani is that it is not a separate app you have to search for—it is a payment option that integrates seamlessly into your existing banking experience. Most major financial institutions in the UAE (around 55 participants) already support Aani, meaning that when you open your regular banking app, Aani is right there as a built-in payment option. Of course, we do offer an official Aani app for those who prefer to use it separately.
What is the Aani app all about? When you already have access to Aani through banks, so why was it necessary to have an app?
That’s a great question, and many countries have implemented both models—either relying entirely on financial institutions to provide payment channels or developing their own independent platform. We decided to introduce our own Aani app for two main reasons.
First, while Aani is integrated into all major banking and financial institution channels, managing multiple accounts can be cumbersome. If you have multiple bank accounts, an exchange house account, or a digital wallet, you typically must log in separately to each one to access your funds. The Aani app eliminates this hassle by allowing you to connect all your stores of value in one place. For example, I personally have a bank account, a digital wallet, and a prepaid travel card all linked to my Aani app. This highlights Aani’s inclusivity—you can seamlessly transfer and transact between different financial accounts, whether moving money from a wallet to a bank account or vice versa.
The second reason is to provide access to Aani’s full range of features. The app enables users to split bills, scan QR codes to pay merchants, and access additional functionalities. One of Aani’s core principles is inclusivity, ensuring that even smaller financial institutions and non-traditional players can participate. Many of these institutions may not have their own apps and developing one would take significant time and investment. By offering the Aani app as a ready-made digital channel, we allow them to provide their customers with a seamless payment experience.
That said, Aani is not just about the app. Looking at the statistics today, only about 30% of Aani transactions are initiated through the app, while the remaining two-thirds come through traditional financial institution channels. This balance shows that while the app enhances accessibility, banks and other financial players remain key drivers in the Aani ecosystem.
What challenges did banks face when integrating Aani into their backend processes?
Well, safeguarding people’s money is a top priority for banks. When you entrust your hard-earned salary to a bank, you expect it to be protected. Unfortunately, financial fraud and scams are becoming increasingly common. One major challenge is the speed of transactions. When payments are processed instantly, banks and other financial institutions have significantly less time to assess whether a transaction is legitimate or potentially fraudulent. With Aani, institutions are required to decide on a payment within 10 seconds. Once a payment goes through, it’s irrevocable—the recipient can immediately access, withdraw, or use the funds.
This shift has required banks to overhaul their backend systems to ensure that security remains uncompromised while meeting the demands of real-time payments. They have had to implement advanced fraud detection measures, automate decisionmaking processes, and upgrade their infrastructure to handle instantaneous transactions—all while maintaining the trust and safety of their customers.
Why is the UAE launching its own domestic card scheme, and what advantages will Jaywan offer to residents and merchants?
Jaywan is the UAE’s domestic card scheme, joining a global trend where many countries establish their own payment networks. This will be initially launched with debit and prepaid cards. However, if there is sufficient demand, we will expand to include credit cards as well. There are typically two main reasons why a country introduces a domestic card scheme.
First, while international card schemes have done an excellent job in creating seamless global interoperability, they may not always be tailored to the specific needs of a particular jurisdiction. Jaywan is designed specifically for the UAE’s residents, offering localized benefits such as merchant discounts and exclusive access to certain services within the country.
Secondly, a domestic card scheme can be more efficient and cost-effective. Jaywan is expected to reduce transaction costs for merchants while ensuring high operational efficiency. Additionally, all transaction processing will take place within the UAE, leveraging the robust 24/7 payment infrastructure we have built. Currently, we process nearly two million card transactions daily, and Jaywan will benefit from this strong foundation, ensuring reliability and security for users across the country.
Automotive
Inside XPENG Brand Night: AI Mobility Lands Centre Stage in Dubai
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.
Automotive
Chinese Cars Are Reshaping the GCC Market, but Resale Value Could Be the Next Battleground
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.
Cover Story
The AI Learning Dilemma: Better Answers, But Better Thinkers?
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.

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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