CASE STUDY rollouts of new features and services while maintaining compliance and security .
ADIB ’ s customer service offerings span personal , business , and wealth management , all supported by an IT infrastructure designed for scalability and efficiency . The hybrid cloud approach , utilising Microsoft Azure ’ s cloud services , provides the flexibility , scalability , and cost efficiency .
By migrating key applications to the cloud , ADIB enhances its capability to meet evolving customer needs and business operations .
The bank ’ s IT strategy follows principles such as agility , modularity , and interoperability within a tiered architecture . Modular applications are integrated across different tiers , user interface , business logic , and data , allowing components to be updated or replaced with minimal disruption .
ADIB prioritizes reusability by leveraging existing applications wherever they align with functional and architectural requirements , optimising resources and reducing redundancy .
ADIB adheres to industry standards , ensuring seamless integration across platforms and enabling efficient integration of in-house and third-party applications . The architecture supports high availability , with systems designed to provide continuous uptime and reliability .
This ensures a consistent and unified customer experience across multiple channels , reinforcing ADIB ’ s commitment to delivering efficient and reliable digital solutions .
Digital transformation journey
ADIB ’ s vision is to become the world ’ s most innovative Islamic bank . Digital transformation is at the core of this strategy , and the bank has modernised its technology infrastructure to enhance both efficiency and customer experience . Initiatives such as the ADIB Business Souq facilitate SME account opening digitally , demonstrating the bank ’ s commitment to supporting business growth in the region .
The hybrid cloud approach using Microsoft Azure and secure on-premises systems allows ADIB to innovate rapidly , deploying new services and features without compromising stability of core banking operations .
Key takeaways : Blending technology and business outcomes
• Islamic banks , including ADIB , must navigate the challenge of integrating new technologies while adhering to Sharia principles .
• A key issue is ensuring that digital solutions comply with Islamic finance requirements , necessitating careful evaluation .
• The rise of super applications is pushing Islamic banks to expand their offerings beyond traditional banking services .
• ADIB faces competition from platforms that provide a range of services , such as payments , shopping , within a single application .
• ADIB ’ s IT architecture is structured as a hybrid , tiered model utilising cloud services from Microsoft Azure and secure on-premises systems for critical functions .
• This architecture follows a two-speed approach , balancing the stability of core banking systems with the agility required for digital channels and customer-facing applications .
• The hybrid cloud approach , utilising Microsoft Azure ’ s cloud services , provides the flexibility , scalability , and cost efficiency .
• The bank ’ s IT strategy follows agility , modularity , and interoperability within a tiered architecture .
• Modular applications are integrated across different tiers , user interface , business logic , and data , allowing components to be updated .
• ADIB prioritizes reusability by leveraging existing applications wherever they align with functional and architectural requirements .
• ADIB is exploring emerging technologies such as Generative AI to enhance digital offerings .
• Through ADIB Ventures , the bank collaborates with fintech startups to pilot and implement innovative solutions .
• ADIB ’ s digital strategy leverages cloud technology , advanced analytics , and a microservices-based architecture to remain agile and responsive .
• ADIB is undergoing CRM modernisation to rethink how it engages with customers , ensuring interactions are seamless and personalised .
• Data is integrated across all touchpoints , enhancing customer insights and driving consistent service delivery .
• The bank ’ s focus on omnichannel , aligns with efforts to meet the expectations of tech-savvy users who prioritise speed and convenience .
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