TALKING

End-to-end digitisation is enabling faster loan processing , enhanced user experiences , and seamless compliance with regulations like ESG mandates . Finastra ’ s Loan IQ platform exemplifies this transformation , potentially reducing transaction steps by up to 50 %, and integrating enhanced covenant monitoring as well as the tracking of ESG metrics to align with sustainability-linked financing goals .

Fintech ecosystems , underpinned by the principles of Open Finance , are accelerating digitalisation efforts by fostering collaboration between financial institutions , fintech , and technology providers to push innovation and accessibility .

Technologies such as blockchain , machine learning , and optical character recognition , are driving operational efficiency and innovation . These tools empower banks to develop customised financial products , improve treasury functions , and manage risks more effectively .

As the MEA region sees a surge in ESG-driven investments , Finastra urged banks to prioritise sustainability-linked financing and robust ESG metrics . AI is revolutionising how financial institutions track , report , and deliver on sustainability commitments , helping to tackle greenwashing fears and drive responsible growth .

George Naddaf , Managing Director

Business Development MENA , eToro

Increasing investments in traditional assets such as stocks , bonds , and commodities is the most popular objective , with 40 % aiming to expand their exposure . This is closely followed by investing in real estate , 38 % and increasing investments in crypto assets , 37 %.

The survey , commissioned by the trading and investing platform eToro , sampled 1,000 retail investors residing in the UAE . It was conducted from 27th November to 2nd December 2024 and carried out by research company Appinio .

Retail investors were defined as self-directed or advised and had to hold at least one investment product , including shares , bonds , funds , investments , or equivalent . They did not need to be eToro users .

The UAE continues to exemplify a forward-thinking mindset as we step into 2025 , with a commendable focus on financial resilience and personal development .

2025 ’ s resolutions highlight a proactive approach to not just financial security , but also a desire for selfimprovement and adaptability . lifestyles shows a keen awareness of the evolving economic landscape .

Such a holistic approach speaks to the UAE ’ s ability to balance ambition with sustainability , paving the way for a future defined by stability , growth , and well-being .

To achieve their financial resolutions , more than half , 51 % of respondents plan to increase their overall savings or investment contributions .

Other strategies include implementing detailed budgets or expense tracking , 41 %, adopting a mindful and frugal lifestyle , 38 %, and reducing discretionary spending on activities like dining out and shopping , 28 %.

The findings also underscore the entrepreneurial spirit and ambition of UAE retail investors with 32 % planning to launch side hustle in 2025 to boost their income , and 28 % considering career changes in order to pursue higher earnings and achieve their goals .

Beyond financial aspirations , the survey highlights a well-rounded approach to 2025 resolutions , with UAE retail investors showing a strong commitment to personal development , 41 % and health and wellbeing , 34 %.

The ambition to diversify investments and embrace entrepreneurial ventures reflects a dynamic shift towards innovative wealth-building strategies , while the emphasis on mindful spending and frugal

Additional areas of focus include fitness , 28 %, professional advancement , 28 %, and fostering stronger social or family connections , 28 %, reflecting a holistic approach to self-improvement . p

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