Today, new research from Cequence Security, the leader in application, API, and agentic AI protection, and Enterprise Management Associates (EMA) found that 94% of enterprise IT and security leaders are confident their AI agents do not have more access than they need, yet only 33% actually provision agents with least-privilege access. The remaining two-thirds run on broad standing permissions that are reviewed periodically, rarely reviewed, or never reviewed at all.

That gap between confidence and practice is already showing up in production, not a theoretical risk, but as incidents enterprises are living with right now. Among the organizations surveyed:

• 65% have experienced an AI agent take an action outside its intended scope, including 29% with measurable business impact, including data exposure, financial loss, operational disruption, or reputational damage. Another 36% caught a near-miss before it caused damage.

• Only 32% can detect and contain an out-of-scope agent action within minutes through automated means; 55% need hours and manual steps to respond.
• In approximately 4% of organizations surveyed, the first sign of trouble came from a customer or outside partner, not an internal system.

The findings point to one clear story. Governance has not kept pace with the speed of agentic AI deployment, and that gap is showing up at every stage of the agent lifecycle, from how agents are provisioned, to how their actions are authorized, to how they are decommissioned once a pilot ends. Other key findings from the report include:

Enterprises Have Moved Past the Pilot Stage

The scale of deployment makes the gap more urgent. 46% of organizations report they are already scaling agentic AI across multiple departments and production workflows, and 79% are running generative and agentic AI simultaneously. Further, more than 92% report an increase in AI and bot-driven traffic targeting customer-facing applications and APIs.

Authorization is Checked at the Wrong Time, Or Not At All

That governance gap extends to how access is enforced in the moment an agent acts. Only 34% of organizations evaluate an AI agent’s authorization at the moment it attempts a specific action. The majority rely on periodic policy reviews or standing permissions set once at provisioning and never revisited, meaning an agent’s access can quietly outlive the task it was originally granted for, and keep working long after anyone signed off on it.

Abandoned Pilots Are Leaving Live Credentials Behind

Additionally, there’s an increasing risk in how enterprises manage agents that don’t make it to production. 31% of agentic AI pilots have been paused indefinitely, discontinued, or abandoned. Many were real deployments with real system access and credentials that were never cleaned up. Every abandoned pilot with live credentials is exposure nobody is actively watching.

External Connectivity Carries the Same Risk

14% of organizations allow AI agents to connect to outside tools and data sources via the Model Context Protocol (MCP) without restriction. Among the majority who do limit those connections to an approved list, fewer than half, just 49%, have a dedicated team actively maintaining and auditing that list on a regular basis.

Christopher M. Steffen, CISSP, CISA, VP of Research at EMA, said: “This research shows enterprises have moved well past experimentation with agentic AI right into production, and governance has not kept pace with that shift. The gap isn’t a lack of awareness; most organizations have policies in place and express real confidence in them. The gap is between what’s written down and what’s enforced when an agent takes an action nobody approved. That disconnect shows up most clearly in how organizations authorize agent actions and monitor them once they’re live, and it’s the reason incidents are happening at a rate the industry hasn’t fully reckoned with.”

Shreyans Mehta, Co-founder and CTO at Cequence, said: “The number that jumped out to me is the 92% being confident in their governance frameworks. Confidence like that is a trap; it’s exactly why organizations stop looking for problems, stop investing in monitoring, and let authorization checks lapse until an incident forces the conversation. This is the exact blind spot Cequence is built to close, giving security teams real-time visibility into what AI agents are actually doing and enforcing authorization at the moment an agent acts, not after the fact.”

Authored by Michael Smirnow, Chief Investment Officer, Arabian Capital Gulf

With the dirham pegged to the US dollar and UAE investors exposed to global markets, decisions made by the Federal Reserve and the US government can influence local borrowing costs, liquidity, and investment sentiment. Michael Smirnow, Chief Investment Officer, Arabian Capital Gulf After the global financial crisis, U.S. authorities tried to stimulate the economy primarily through monetary measures: the Federal Reserve cut interest rates to zero and launched quantitative easing (QE) for the first time, purchasing assets to provide market participants with liquidity.

As a result, the Fed’s balance sheet grew to USD 8 trillion by 2021. However, between 2008 and 2020, the U.S. economy did not experience rapid growth, and inflation regularly remained below the target level. Everything changed in 2020, when the government entered the stimulus fray for the first time in many years. While the Fed’s accommodative monetary policy primarily helped large banks and market participants, at the onset of the pandemic the U.S. government began distributing money to households and increasing budget expenditure across nearly all areas.

Compared with monetary measures, these fiscal stimulus measures proved to be a significantly more powerful tool for stimulating the economy; however, they increased government debt by the aforementioned 61%. Against this backdrop, we expect the next few years to be shaped primarily by fiscal stimulus, with government action, rather than the Federal Reserve, becoming the key factor for investors. Indeed, while the private sector ran large deficits before 2008, the deficit now lies with the government, while private-sector indebtedness is declining. In the years following the pandemic, the largest government deficits coincided with the strongest growth in financial markets. This is unsurprising, since a public-sector deficit becomes private-sector income. This dynamic enabled the U.S. economy to remain resilient in 2023-2024 despite the Fed’s record pace of interest-rate increases. Whichever U.S. political party is in power will continue along this path; Trump is also doing the same through legislation known as the “Big Beautiful Bill.”

As long as inflation in the United States remains under control, this race will continue. The current balance between monetary and fiscal stimulus vividly illustrates this argument. On the one hand, the U.S. Federal Reserve is adopting an increasingly neutral stance and is clearly in no hurry to cut interest rates or introduce new stimulus programmes. On the other hand, the Treasury is entering the fray: as yields on long-term U.S. bonds confidently exceed 5%, the Treasury has launched a program to buy back its long-term debt. In effect, this gives the bond market the same kind of stimulus the Fed previously delivered.

Thus, the balance of power is changing, but the direction remains the same: the United States still needs accommodative monetary conditions. If these are not achieved through monetary measures, they will be achieved through fiscal ones.

(Arabian Gulf Capital (AGC) holds a Category-1 Investment Firm license issued by the Central Bank of Bahrain and provides tailored investment solutions to individual, corporate, and institutional clients.)

With the dirham pegged to the US dollar and UAE investors exposed to global markets, decisions made by the Federal Reserve and the US government can influence local borrowing costs, liquidity, and investment
sentiment. Michael Smirnow, Chief Investment Officer, Arabian Capital Gulf
After the global financial crisis, U.S. authorities tried to stimulate the economy primarily through monetary measures: the Federal Reserve cut interest rates to zero and launched quantitative easing (QE) for the first time, purchasing assets to provide market participants with liquidity. As a result, the Fed’s balance sheet grew to USD 8 trillion by 2021. However, between 2008 and 2020, the U.S. economy did
not experience rapid growth, and inflation regularly remained below the target level. Everything changed in 2020, when the government entered the stimulus fray for the first time in many years. While the Fed’s accommodative monetary policy primarily helped large banks and market participants, at the onset of
the pandemic the U.S. government began distributing money to households and increasing budget expenditure across nearly all areas. Compared with monetary measures, these fiscal stimulus measures proved to be a significantly more powerful tool for stimulating the economy; however, they increased
government debt by the aforementioned 61%. Against this backdrop, we expect the next few years to be shaped primarily by fiscal stimulus, with
government action, rather than the Federal Reserve, becoming the key factor for investors. Indeed, while the private sector ran large deficits before 2008, the deficit now lies with the government, while private-sector indebtedness is declining. In the years following the pandemic, the largest government deficits coincided with the strongest growth in financial markets. This is unsurprising, since a public-sector deficit becomes private-sector income. This dynamic enabled the U.S. economy to remain resilient in 2023-2024 despite the Fed’s record pace of interest-rate increases. Whichever U.S. political party is in power will continue along this path;

Trump is also doing the same through legislation known as the “Big Beautiful Bill.” As long as inflation in the United States remains under control, this race will continue.
The current balance between monetary and fiscal stimulus vividly illustrates this argument. On the one hand, the U.S. Federal Reserve is adopting an increasingly neutral stance and is clearly in no hurry to cut interest rates or introduce new stimulus programmes. On the other hand, the Treasury is entering the fray: as yields on long-term U.S. bonds confidently exceed 5%, the Treasury has launched a program to buy back its long-term debt. In effect, this gives the bond market the same kind of stimulus the Fed previously delivered.

Thus, the balance of power is changing, but the direction remains the same: the United States still needs accommodative monetary conditions. If these are not achieved through monetary measures, they will be achieved through fiscal ones.
(Arabian Gulf Capital (AGC) holds a Category-1 Investment Firm license issued by the Central Bank of Bahrain and provides tailored investment solutions to individual, corporate, and institutional clients.)

Zeekr UAE and AWR Automotive are proud to announce the unveiling of the redesigned Zeekr flagship showroom on Sheikh Zayed Road in Dubai. The new space brings together contemporary design, refined hospitality, and personalised customer engagement, reflecting the partners’ confidence in the UAE’s expanding electric mobility market.

The showroom gives customers a clear and practical way to explore electric mobility. Zeekr product specialists will provide personalised guidance around the Zeekr range, charging, intelligent technology, performance, test drives, and after-sales care. Interactive touchscreen TVs allow customers to explore vehicle configurations in detail and place orders directly from the showroom. Customers can also discuss their individual driving requirements and ownership considerations in a relaxed setting, helping them understand how electric mobility can support everyday journeys, family travel, and longer drives across the UAE.

At the centre of the redesigned showroom is the Zeekr Lounge, a refined hospitality space for customer appointments, coffee conversations, and owner gatherings. The lounge brings a more personal dimension to the retail experience, providing a welcoming place for guests to spend time with the brand before or after a consultation or test drive. A partnership with Maison 7, AWR Group’s luxury lifestyle brand, adds curated homeware and elegant décor, creating a warm, lifestyle-led environment that complements Zeekr’s progressive design philosophy and brings the showroom’s material, colour, and craftsmanship story to life.

“The UAE’s electric mobility market is advancing quickly, and customers want the confidence that comes from clear guidance, a trusted local partner, and an ownership experience designed around their needs,” said Roberto Colucci, Director of EVs, AWR Automotive. “Our redesigned flagship showroom brings those elements together, creating a destination where customers can experience Zeekr’s technology, design, and hospitality while exploring how electric mobility can fit their everyday lives.”

The redesigned flagship also includes two AC charging points, giving customers an added practical touchpoint with the Zeekr ownership experience during their showroom visit. Two dedicated vehicle delivery bays provide an elevated handover setting, allowing every delivery to become a more personal and memorable moment for customers and their families. The flagship will also serve as a platform for product introductions, owner engagement, and curated events, bringing customers and electric mobility enthusiasts together around premium electric driving. Customers are invited to visit the showroom on Sheikh Zayed Road to experience the Zeekr range, speak with a product specialist, and book a personalised test drive.

AWR Automotive is Zeekr’s official distributor in the UAE. Supported by decades of automotive expertise and an established national network of showrooms and service centres, it brings the Zeekr ownership experience to customers from first discovery through to long-term support, helping advance premium electric mobility across the region.

Article by Prasanna Rajendran, Vice President – EMEA, Kissflow

Across the Middle East, governments and enterprises are investing heavily in cloud infrastructure to support national digitization agendas, from Vision 2030 in Saudi Arabia to the UAE’s push toward AI-driven government services. Gartner forecasts that IT spending across the Middle East and North Africa will reach $169 billion in 2026, an 8.9 percent increase over 2025, with software spending alone growing 13.9 percent.

Infrastructure as code (IaC) is the practice of defining and provisioning computing infrastructure, including servers, networks, databases, and load balancers, using machine-readable configuration files rather than manual processes or interactive consoles. Rather than logging into a console to click through setup wizards, teams describe their entire infrastructure in version-controlled code that can be reviewed, tested, and deployed like any other software artifact.

For CIOs and IT leaders, this matters because IaC has become the operational standard for any organization running workloads at scale. Grand View Research valued the global IaC market at $1.2 billion in 2025 and projects it to reach $6.1 billion by 2033, a compound annual growth rate of 22.3 percent. That trajectory reflects a clear shift: enterprises are moving from manual, ticket-driven infrastructure management to automated, code-driven provisioning.

What is infrastructure as code?

At its core, IaC means defining resources such as virtual machines, storage volumes, network configurations, security policies, and access controls in declarative or imperative code files. Those files become the authoritative record of what your infrastructure looks like at any moment.

IaC generally follows one of two approaches, depending on whether teams want to define an outcome or prescribe the route to it. Declarative IaC describes the desired end state: you specify what you want, such as three servers, a load balancer, and a database cluster, and the tool works out how to get there. Terraform, AWS CloudFormation, and Azure Bicep all use this method. Imperative IaC instead specifies the exact steps to reach an outcome. You write procedural instructions: create this server, then attach this disk, then configure this network. Ansible and Chef follow that model more closely.

The declarative approach dominates enterprise adoption today because it is easier to maintain and less error-prone. You describe the outcome rather than the procedure, which keeps the code readable even as infrastructure complexity grows.

What separates IaC from traditional infrastructure management is version control. Every change is tracked in Git, reviewed through pull requests, and deployed through automated pipelines. This is the mechanism Gartner points to when it describes IaC as the route to cloud governance and self-service at scale.

Why infrastructure as code matters for enterprise IT

Manual infrastructure management does not scale. When an operations team provisions servers through tickets and console clicks, every environment differs slightly, every deployment carries risk, and every audit turns painful. IaC removes these problems systematically.

Consistency and reproducibility

IaC guarantees that the development, staging, and production environments are consistent. Configuration drift, the slow divergence of environments over time, disappears because every deployment is generated from the same code. When an incident occurs, you can rebuild an environment from scratch in minutes.

Speed and agility

Organizations using IaC provision entire environments in minutes rather than weeks. When business conditions change, whether through a product launch, a capacity spike, or a compliance deadline, IaC lets you respond at the speed of code.

Security and compliance

With IaC, security policies are embedded directly in infrastructure templates. Guardrails apply automatically. Compliance checks run in the CI/CD pipeline before any change reaches production. Security stops being a gate at the end of the process and becomes part of how infrastructure gets built.

Cost efficiency

IaC gives you precise control over resource provisioning. Idle capacity gets identified and decommissioned through code rather than through quarterly manual audits. Cost discipline has grown into a standing function for this reason: 59 percent of the 759 organizations Flexera surveyed for its 2025 State of the Cloud Report now run a dedicated FinOps team, up from 51 percent the year before.

Key infrastructure as code tools for the enterprise

Several tools now anchor enterprise IaC strategy, each suited to a different environment. Terraform and its open-source fork, OpenTofu, remain the dominant choice for cross-cloud work, offering declarative provisioning across multiple clouds using HCL. Organizations standardized on a single cloud often turn to native alternatives instead: AWS CloudFormation for AWS-centric environments, using JSON or YAML, and Azure Bicep for Azure-native deployments. Ansible takes an imperative, YAML-based approach and excels at configuration management and application deployment rather than pure provisioning. Pulumi appeals to developer-led teams by letting them define declarative infrastructure in familiar languages such as Python, TypeScript, or Go.

Common challenges when adopting infrastructure as code

Adopting IaC is not without friction. The most immediate obstacle is usually a skills gap, because IaC asks infrastructure teams to work the way developers do, with version control, code reviews, and CI/CD pipelines. That shift is cultural as much as it is technical, and it requires deliberate investment in training.

State management adds complexity of its own. Declarative tools maintain state files that track current infrastructure, and multi-team environments need remote state backends, locking, and workspace isolation from day one to avoid conflicts.

Legacy system integration is another common obstacle, since not everything can be expressed in code immediately. Most organizations start with new cloud workloads and progressively extend IaC to existing systems through API wrappers.

Governance and drift detection require ongoing discipline. IaC only delivers its full value once it becomes the sole path for infrastructure changes, which makes continuous drift detection and sustained cultural enforcement critical rather than optional.

Where workflow automation fits in an IaC-driven enterprise

Infrastructure as code solves the provisioning problem. Enterprise IT complexity does not stop there. The layer above IaC, covering the processes, approvals, and operational logic that run on top of provisioned infrastructure, is where most organizations still depend on fragmented tools, manual handoffs, and spreadsheet-based tracking. That gap is especially visible across the Middle East, where cloud adoption and ambitious national targets often outpace the operational processes needed to govern them.

Regulatory pressure widens the gap further. Gartner forecasts worldwide sovereign cloud IaaS spending at $80 billion in 2026, a 35.6 percent rise over 2025, with governments as the main buyers. Provisioning infrastructure inside a national boundary is one requirement. Proving that every approval, exception, and access grant on that infrastructure followed a governed path is another, and code alone does not answer it.

This is where workflow automation platforms operate as a digital backbone for enterprise operations. IaC automates the infrastructure layer. A no-code or low-code workflow platform automates the process layer: IT service requests, change management approvals, vendor onboarding, compliance workflows, and the hundreds of cross-functional processes that connect people, systems, and decisions across the enterprise.

For IT leaders across the region pursuing IaC adoption, particularly those operating under strict data residency and regulatory requirements, this kind of platform complements the strategy by giving business teams a way to build and manage operational workflows without adding to the IT backlog. IaC handles your infrastructure. Workflow automation handles everything that runs on it.

See how Kissflow governs the change approvals, access requests, and compliance workflows that sit on top of your cloud infrastructure in a 30-minute demo.

99 Sushi Bar & Restaurant is set to enter a new chapter this Q4, with the award-winning Japanese dining destination relocating to Dubai Creek Harbour. Opening in Q4 2026, the new venue will bring a premium fine-dining offering to the growing waterfront community, with a larger bar and lounge, a lifestyle-led terrace and views that will form part of the experience. While the new destination will introduce a fresh energy and more elevated approach, it will remain rooted in the contemporary Japanese cuisine and signature dishes that have defined 99 Sushi.

Founded in Madrid in 2005, 99 Sushi Bar & Restaurant is renowned for its precision-led Japanese craftsmanship, ultra-premium ingredients and refined dining experience, with its Abu Dhabi flagship awarded a MICHELIN Star for three consecutive years. The brand has grown into an international dining name across Spain, the UAE, Monaco, Rabat and Budapest, with further global expansion underway. In Dubai, 99 Sushi was previously located in Downtown before embarking on this next chapter at Dubai Creek Harbour, alongside the launch of its highly anticipated London restaurant.

This year’s Saudi National Day offers more than a long weekend. With direct flights connecting Riyadh and Jeddah with the Maldives, Saudi travellers can exchange city life for spacious private villas, world-class dining and some of the Indian Ocean’s most memorable experiences in under a day. Across its Maldivian resorts, Sun Siyam brings together many of the things Saudi travellers look for in an island holiday – space, privacy, family-friendly experiences, premium all-inclusive halal dining and plenty to experience without leaving the island.

Across the Maldives, Sun Siyam’s three collections offer a different experience for every kind of National Day escape. The Luxury Collection, includes Sun Siyam Iru Fushi, focuses on elevated island living, privacy and spacious accommodation; the Lifestyle Collection, featuring Siyam World and Sun Siyam Olhuveli, brings together entertainment, experiences and family fun; while the Privé Collection’s Sun Siyam Iru Veli, Sun Siyam Vilu Reef and Sun Siyam Pasikudah (in Sri Lanka) offers a more intimate barefoot island escape.

For Families Who Want Space, Privacy and More Choice

Sun Siyam Iru Fushi combines luxurious beach and overwater villas, including private-pool options, with plenty for every generation to enjoy. Families can spend their days between the beach, pools, water sports and kids’ activities, while parents can retreat to the award-winning Spa by Thalgo for a quieter side of island life.

Dining is also a major part of the experience, with 15 dining and drink venues offering plenty of choice throughout the stay. Premium all-inclusive options, halal food and in-villa dining and floating breakfasts make it easy to dine on your own schedule, while multilingual butler service, including Arabic-speaking assistance, adds another layer of convenience for Saudi guests. With kids staying free on selected offers, Iru Fushi is particularly suited to larger families looking to spend the their holiday together without compromising on privacy.

For Adventure from Morning to Night

Few resorts in the Maldives can promise horse riding in the morning, shipwreck diving in the afternoon and an evening of go-kart racing. Siyam World was designed for travellers who believe one holiday should contain many adventures, bringing an unexpected sense of energy to the traditional Maldives experience.

Families and groups can move from the island’s horse ranch and go-kart track to its floating water park, dive beneath the surface to discover its shipwreck, or simply spend the day enjoying the beach and their private pool. Spacious villas and multi-bedroom residences give larger families and groups room to stay together, while an extensive choice of restaurants and bars means there is always somwhere different to dine.

The resort’s 24-hour WOW! Premium All-Inclusive concept brings dining, drinks and a wide range of experiences together, making Siyam World particularly well suited to Saudi families and groups looking for a holiday where almost everything is taken care of from the moment they arrive.

For Couples Who Want the Island to Themselves

For couples looking to turn the National Day break into a romantic escape, Sun Siyam Iru Veli, offers a more intimate side of the Maldives. Spacious beach and overwater suites, private pools and a strong sense of seclusion give couples the space and privacy to enjoy the island at their own pace.

With its honeymoon appeal, romantic dining experiences and premium all-inclusive offering, Iru Veli is particularly suited to couples looking for a few uninterrupted days together, combining privacy and understated island luxury in an intimate Maldivian setting.

With the Maldives within easy reach of Saudi Arabia, National Day is a chance to make the long weekend feel considerably longer. So why wait? Pack your bags and turn this year’s celebration into an island escape with Sun Siyam. For the latest Sun Siyam packages, benefits and offers, visit sunsiyam.com/offers or book@sunsiyam.com

Guests will gather around a table designed for sharing, opening with fresh Uzbek vegetables before moving into Sana’s signature Hash: a steaming bowl finished with baked bone marrow and garlic, a dish generations swear by the morning after. From there, diners choose their “cure” — slow-cooked wagyu beef cheek with silky potato purée, carved tableside by the chef, or a whole river-caught Sazan fish in garlic ajika sauce. The feast closes with a plate of traditional Uzbek sweets.

“Hash has always held a special place in Uzbek cuisine — a dish generations have gathered around, made slowly and with care. We wanted to give it the spotlight it deserves, so we built our Sunday Brunch around it: a truly authentic Uzbek feast, unhurried and generous, the way it’s meant to be shared.” — Leonid Litvin, General Manager, Sana Dubai

Hashhhhhhhhh Brunch is offered across three packages to suit every table:

• Non-Alcoholic — AED 350 per person
• House — AED 450 per person
• Premium — AED 650 per person

The brunch is unhurried and indulgent by design, built for guests who want to slow down, gather with family and friends, and let a proper feast do the recovering.

Hashhhhhhhhh Brunch Every Sunday, 12:00 PM – 4:00 PM, starting September 13, 2026 Sana Restaurant, Jumeirah Mina Al Salam, Dubai Reservations:https://www.sevenrooms.com/experiences/sanarestaurant/sunday-brunch-5109127899627520?tracking=marketing 

• Location: SANA Restaurant – Jumeirah Mina Al Salam – Dubai

The company’s discussions at GISEC will center on Autonomous SOC with Governed AI, Agentic AI, Actionable Threat Intelligence and Unified Security Data Lake capabilities that are changing the manner in which security teams investigate threats, manage workflows and make decisions.

Samer Jadallah, Vice President, Middle East & Africa at Anomali, will represent the company at GISEC and will focus on the growing impact of AI on both attackers and defenders, emerging shifts in the threat landscape, including the need to counter CEO impersonation attacks as well as key challenges facing modern security teams. He will also highlight AI’s role is helping organizations respond more effectively to evolving threats, Anomali’s commitment to the region and ongoing product innovation and plans to expand adoption of the Anomali platform across global enterprises and government organizations.

A key focus at this year’s event will be the changing nature of cyberattacks. As threat actors promptly adopt AI to scale campaigns and further accelerate attacks, security operations centers (SOC) are under growing pressure to process rising volumes of alerts with limited resources. To help with this, Anomali will demonstrate how AI can support analysts in multiple ways like surfacing higher- value insights, reducing manual effort and enabling quicker, informed responses.

Visitors can find Anomali at Booth E156 and Booth A80.

• Event: GISEC Global 2026
• Booths: E156 and A80
• Location: Dubai Exhibition Centre (DEC), Expo City
• Dates: 16 th to 18 September 2026
• Time: 9:00 am to 5:00 pm GST

As GCC businesses expand into new markets and increasingly complex supply chains, traditional credit assessment is giving way to a more predictive approach. In this interview with Mohamad Jomaa, CEO and Country Manager for GCC and Egypt at Coface, we explore how real-time data, AI and early-warning intelligence are helping CFOs anticipate payment risk, protect working capital and make more confident decisions across customers, suppliers and markets.

What is driving the shift from relationship-based credit decisions to predictive credit intelligence among CFOs in the GCC?

Relationships remain fundamental to business in the GCC and will continue to be. What has changed is the speed at which companies are expanding into new sectors, markets, and supply chains. As organizations grow beyond their traditional networks, finance leaders need additional tools to assess customers, suppliers, and partners they may not know well.

Today’s CFOs are increasingly complementing business relationships with data-driven insights. They need greater visibility not only into credit risk, but also into supply chain dependencies, corporate ownership structures, payment behavior, and potential vulnerabilities across their ecosystem.

Predictive intelligence provides that forward-looking perspective. It helps businesses make faster and more informed decisions, strengthen due diligence processes, identify opportunities, and anticipate risks before they impact cash flow, operations, or growth plans.

What trends are you currently seeing in payment delays and corporate defaults across the UAE and Saudi Arabia?

The overall economic outlook in both the UAE and Saudi Arabia remains positive, supported by ambitious investment programs and continued economic diversification. At the same time, businesses continue to face uneven market conditions across sectors.

Drawing on Coface’s unique experience as a global trade credit insurer, we monitor payment behavior, claims activity, and credit events across millions of companies worldwide. What we are seeing today is not necessarily a significant increase in corporate failures, but rather signs of pressure on working capital in specific industries.

Payment delays have become more common in sectors exposed to longer project cycles, margin pressure, or supply chain disruptions. For finance leaders, the challenge is distinguishing between temporary liquidity constraints and deteriorating credit quality. This is where access to real-time payment data and early warning indicators becomes particularly valuable.

How can better credit intelligence improve cash flow, working capital, and overall financial resilience?

Better intelligence enables businesses to make more informed decisions across the entire customer and supplier lifecycle. By combining financial information, payment behavior, sector analysis, ownership data, Country Risk Assessments, Sector Risk Assessments, and ongoing monitoring, organizations gain a much clearer view of both risk and opportunity.

This has a direct impact on cash flow and working capital. Businesses can identify signs of financial stress earlier, reduce exposure to overdue accounts, prioritize collections efforts, and allocate credit more effectively. Access to real-time information and early warning indicators allows companies to act before issues translate into cash flow challenges.

Increasingly, however, financial resilience is not only about customer risk. It is also about understanding vulnerabilities across the supply chain. A disruption involving a key supplier, contractor, or logistics partner can have a significant impact on operations, costs, and liquidity. Better intelligence provides greater visibility into these critical dependencies, helping organizations identify concentration risks, assess the financial health of strategic partners, and strengthen business continuity planning.

As companies expand into new markets and engage with new customers, suppliers, and partners, they need confidence in who they are doing business with. Access to reliable data on ownership structures, financial health, payment behavior, sector outlooks, and country risk helps organizations make better-informed decisions and reduce uncertainty when entering new commercial relationships.

. What warning signs should finance leaders monitor before extending credit to new customers or entering unfamiliar markets?

Financial statements remain important, but they only tell part of the story. Finance leaders should also evaluate payment behavior, ownership structures, management stability, sector outlooks, supplier concentration, and exposure to geopolitical or regulatory risks.

One of the most valuable early warning indicators is a deterioration in payment behavior. In many cases, companies begin showing signs of financial stress long before it becomes visible in published financial statements.

Similarly, supply chain concentration risks should not be overlooked. A business may appear financially sound while remaining highly dependent on a small number of customers, suppliers, or projects. Understanding these dependencies is an increasingly important component of due diligence.

Effective credit decisions require a broader assessment of the business ecosystem rather than focusing solely on traditional financial metrics.

This is why a combination of company information, payment behavior, Country Risk Assessments, Sector Risk Assessments, and supply chain intelligence is increasingly becoming an essential part of the decision-making process.

How are AI and predictive analytics changing the way organizations assess credit risk and make financing decisions?

Financial statements remain important, but they only tell part of the story. Finance leaders should also evaluate payment behavior, ownership structures, management stability, sector outlooks, supplier concentration, and exposure to geopolitical or regulatory risks.

One of the most valuable early warning indicators is a deterioration in payment behavior. In many cases, companies begin showing signs of financial stress long before it becomes visible in published financial statements.

Similarly, supply chain concentration risks should not be overlooked. A business may appear financially sound while remaining highly dependent on a small number of customers, suppliers, or projects. Understanding these dependencies is an increasingly important component of due diligence.

Effective credit decisions require a broader assessment of the business ecosystem rather than focusing solely on traditional financial metrics.

This is why a combination of company information, payment behavior, Country Risk Assessments, Sector Risk Assessments, and supply chain intelligence is increasingly becoming an essential part of the decision-making process.

What sectors in the GCC are showing the strongest opportunities, and where are the highest risks based on your data?

Our outlook combines insights from Coface’s payment experience data, claims observations, Country Risk Assessments and Sector Risk Assessments. Together, these provide a comprehensive view of the opportunities and vulnerabilities shaping the business environment across the GCC.

We continue to see attractive opportunities in sectors supported by economic diversification strategies, digital transformation, infrastructure investment, logistics development and the energy transition. These areas are benefiting from sustained investment, strong policy support and growing regional demand.

At the same time, businesses operating in sectors facing tighter margins, elevated input costs, project execution challenges or longer payment cycles require closer monitoring. What is important to remember is that risk is rarely uniform across an entire sector. Performance can vary significantly from one company to another depending on its financial strength, competitive positioning, customer base and exposure to broader supply chain dynamics.

Looking ahead, how do you see the role of predictive intelligence evolving within corporate finance over the next three to five years?

Over the next three to five years, predictive intelligence will become an integral component of decision-making across finance, procurement, sales, treasury, compliance, and risk management functions.

We expect companies to move beyond using intelligence solely for credit assessments and begin embedding it throughout the business. This includes supplier selection, customer onboarding, supply chain management, compliance checks, investment decisions, and strategic planning.

The organizations that will be most successful are those that can combine technology, data, and human expertise to obtain a holistic understanding of their business ecosystem.

In an increasingly interconnected world, success will depend not only on knowing who you do business with, but also on understanding the risks and opportunities across the entire value chain. Access to reliable, forward-looking intelligence will therefore become a key competitive advantage, helping companies grow confidently while remaining resilient in a rapidly changing environment.