Dubai's Most Remarkable CEOs to Watch in 2025

1. Most Remarkable CEOs to Watch in 2025 CEO Arti?cial Intelligence Technologies VISION 2030 AND BEYOND LEADING FROM THE FRONT How Dubai's CEOs are How Dubai's Top CEOs are Shaping Aligning with National Goals the Future of Business AMIT GAUR Leading the Charge in Fintech and Transforming Global Finance

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5. the EDITOR Leaders of Tomorrow A s we look toward the future, Dubai remains a hotspot for global business, innovation, and opportunity. The city's CEOs are leading some of the world's most influential companies, each setting new standards in their respective industries. As Dubai pushes forward with its ambitious goals, these leaders play a key role in shaping the city's economic, technological, and cultural development. The most remarkable CEOs to watch in 2025 are those who possess the foresight to adapt to global trends and local needs. These leaders understand the importance of sustainability, technology, and diversification in creating a lasting impact. Their ability to anticipate market shifts and respond with purpose sets them apart in a competitive business environment. They're not just managing companies; they're redefining industries, driving innovations, and contributing to the broader development of Dubai's economy. From pushing the boundaries of artificial intelligence to pioneering sustainable initiatives, these CEOs are helping to elevate Dubai's global standing. Their leadership goes beyond the bottom line, focusing on long-term goals that align with the city's Vision 2030. This commitment to growth, innovation, and positive change ensures that Dubai remains at the forefront of the international business community. As we enter 2025, the trailblazers of Dubai's corporate scene are poised to take the city's growth to new heights. Their influence and decisions will not only impact their companies. Still, they will also contribute to Dubai's broader mission of becoming a hub for business, technology, and sustainability on the global stage. These are the CEOs to watch as they shape the future of Dubai and beyond. Ryan Parker Managing Editor

6. C O V E R S T O R Y 06 Amit Gaur Leading the Charge in Fintech and Transforming Global Finance P R O F I L E S 18 28 Dr. Isha Farha Quraishy Hubpay Pioneering the Next Generation of Digital Payments Navigating the Intersection of Tech and Beauty

7. A R T I C L E S 14 Vision 2030 and Beyond How Dubai's CEOs Are Aligning with National Goals 24 Leading from the Front How Dubai's Top CEOs Are Shaping the Future of Business

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9. GAUR Leading the Charge in Fintech and Transforming Global Finance C O V E R S T O R Y ARTIFICIAL INTELLIGENCE TECHNOLOGIES CEO 07 www.businessmindsmedia.com

10. The financial services sector has undergone significant transformation, driven by the growing integration of technology and innovation. One of the most promising industries within this space is fintech, where companies are reshaping traditional financial systems by leveraging new technologies to address longstanding inefficiencies. By combining technology with financial services, fintech companies are not only increasing accessibility but also providing consumers with more efficient, secure, and user-friendly solutions. This shift is particularly important in emerging markets where access to financial tools and services has often been limited. industry. The company's platform, Ezipay, aims to simplify financial transactions and enhance access to financial services globally. By integrating cutting-edge technologies like blockchain, Ezipay ensures faster, more secure, and cost-effective solutions for users, particularly those in the diaspora. Through a blend of innovation, user-centric design, and strategic partnerships, the company is reshaping how global remittances and cross-border transactions are conducted, driving inclusion and empowerment in the financial services industry. Transforming Financial Services Through Innovation and Inclusion Amit Gaur, as the Group CEO of Artificial Intelligence Technologies Limited, has been at the forefront of this transformation. Under his leadership, the company has developed a reputation for driving innovation in the fintech space. Amit's vision has centered on using advanced technologies to provide inclusive and practical financial solutions, particularly aimed at underserved communities and diaspora populations. His strategic approach to leveraging blockchain, artificial intelligence, and other technologies has positioned his company as a leader in creating accessible and impactful financial tools. AIT trading under the brand name Ezipay, embarked on a journey in the fintech sector with a clear vision to transform financial services. This endeavor was inspired by a commitment to innovation and a recognition of technology's transformative potential in addressing financial challenges. Over the years, extensive experience in the industry revealed inefficiencies within traditional financial systems, particularly in emerging markets. These observations underscored the need to develop accessible and user- friendly financial solutions to bridge these gaps. Ezipay's mission emerged from this understanding, aiming to offer inclusive and practical tools for economic empowerment. Artificial Intelligence Technologies Trading under brand name EZIPAY has become a notable player in the fintech 08 www.businessmindsmedia.com

11. The dynamic nature of the fintech sector fueled a strong drive to merge technology with finance, resulting in impactful and innovative products. This focus extended to empowering unbanked and underserved communities by providing them with digital financial services that could facilitate economic growth and broaden access to essential tools. Another critical objective was the development of sustainable and scalable solutions. The platform was designed to meet diverse consumer needs while ensuring long-term efficiency and adaptability. Additionally, the fintech space provided opportunities to build strategic partnerships and foster collaboration among various stakeholders at the intersection of finance and technology. Amit Gaur's leadership reflects a dedication to creating meaningful advancements in financial services. By integrating finance, technology, blockchain, artificial intelligence, and innovation, Ezipay aims to effectively address contemporary financial needs and deliver tangible results for its users. The platform also incorporates cultural sensitivity, recognizing remittances' deep familial and cultural significance. Ezipay builds trust and a sense of belonging among its users by providing tools that honor these connections. transactions, making them faster, more secure, and less cumbersome. These innovations address traditional barriers, offering a seamless experience for sending and receiving money across borders. Connecting Diaspora Through Seamless Financial Solutions Ezipay's dedication to serving the diaspora and expatriate communities is guided by a strong commitment to reconnecting individuals with their roots. This vision influences the platform's development in several key aspects. At its core, Ezipay is driven by a genuine purpose to bridge physical distances and strengthen connections, empowering users to maintain meaningful ties to their roots, no matter how far they may be from home. Engagement with diaspora communities plays a pivotal role in shaping Ezipay's offerings. By actively seeking feedback, the platform continually refines its solutions to align with the real needs of its audience. Accessibility is further strengthened through educational resources and multilingual customer support, ensuring services reach a diverse user base. Understanding the unique financial and emotional challenges the diaspora faces, Ezipay is designed with a user- centric approach. Its features are tailored to simplify financial transactions and enhance communication with home countries, ensuring ease of use and accessibility. Revolutionizing Global Finance with Blockchain Integration Amit steered Ezipay's success in global markets through the strategic integration of blockchain technology. This decision was critical in Ezipay also integrates advanced technologies to enhance international 09 www.businessmindsmedia.com

12. strengthening the platform's capabilities and appeal to a worldwide audience. with tools to participate in the global economy. Strategies for Global Relevance and User-Centric Design This strategic adoption of advanced technology positioned Ezipay as a trusted leader in the global fintech sector, meeting the demands of a digitally connected world and setting a new standard for innovation in financial services. Through strategic initiatives, Amit ensures that Ezipay remains relevant and user-friendly across diverse markets. Comprehensive local market research plays a critical role in understanding each region's unique needs, cultural nuances, and financial behaviors. This insight enables the development of tailored solutions that resonate with specific audiences. Blockchain's transparency and security features addressed concerns around fraud and data breaches, instilling greater user confidence in the integrity of their transactions. This initiative laid the foundation for the soon-to-be- launched Ezipay Coin, designed to integrate seamlessly into the Ezipay ecosystem. Additionally, by utilizing blockchain, the platform significantly reduced transaction costs, making it an attractive remittance solution for diaspora communities seeking cost- effective options to send money home. Leading with Vision and Purpose For Amit, serving as CEO brings immense fulfillment through the impact of effective leadership. Guiding a team toward a shared vision and witnessing their growth, innovation, and achievement is a deeply rewarding experience. Transforming ideas into tangible products that resonate with customers and address market needs highlights the significance of strategic direction and collaboration. The product's design prioritizes user experience, ensuring it remains intuitive and accessible. Language preferences and varying levels of technological adoption are carefully considered to create a seamless interface. Regular feedback from users is actively sought through established channels, enabling the identification of pain points and driving continuous improvements. The efficiency of blockchain also transformed cross-border transactions, enabling faster processing and addressing a key pain point for expatriates. Its immutable record of To address diverse regulatory landscapes and customer requirements, Ezipay incorporates adaptable features that can be easily customized for different countries. Collaborations with local businesses and financial institutions strengthen the platform's presence by fostering community trust and leveraging valuable insights. Additionally, Ezipay balances affordability and security, ensuring the platform remains accessible and reliable for users worldwide. These strategic approaches collectively enable the platform to stay relevant, user-friendly, and effective in meeting the needs of a global audience. transactions fostered trust with regulatory authorities, ensuring smoother operations in diverse markets and facilitating compliance with local regulations. Building a company culture that values collaboration, creativity, and resilience has been a cornerstone of success, enabling personal and organizational growth. Aligning strategy with execution, resulting in positive outcomes for the business, its employees, and the broader community, underscores the true satisfaction of leadership. This combination of innovation, teamwork, and meaningful results defines the gratifying nature of the role. Strategic Market Expansion and Adaptation Beyond operational improvements, blockchain technology enabled Ezipay to advance financial inclusion. By offering efficient and accessible financial services, the platform reached underserved communities regardless of geographic barriers, empowering users The team led Ezipay through a significant transformation by expanding into a new region where digital financial services were underutilized. Recognizing the 10 www.businessmindsmedia.com

13. opportunity, a strategic approach was implemented to ensure success. Ezipay adapted its product to meet the specific needs of the new market, informed by thorough market analysis. This included adjusting payment options and localizing the interface to align with regional preferences and compliance requirements. Engaging with local stakeholders, including governments, financial institutions, and community leaders, played a crucial role in building trust and ensuring a smoother market entry. The adoption of advanced technology enhanced the platform's scalability and security, making it more resilient to increased user demand. Additionally, a culturally integrated marketing strategy effectively communicated Ezipay's value proposition to local audiences. These combined efforts led to a significant increase in user adoption and market penetration, solidifying Ezipay's position as a regional leader in digital financial services. This transformation enhanced its competitive edge and reinforced its reputation as a global player in the fintech space. advanced encryption techniques, conducts regular security audits, and complies with international standards to protect user data and transactions. The focus on robust security protocols gives users confidence in their financial interactions' safety. continuous learning and adaptation culture is encouraged, enabling the team to stay ahead of industry trends and regulatory changes. Balancing Innovation, Security, and Reliability in Fintech Through these comprehensive strategies, Ezipay successfully balances innovation with reliability and security, offering cutting-edge services that customers can trust. Amit understands that balancing innovation with reliability and security in fintech requires a strategic, multifaceted approach. The company adopts agile development methodologies to quickly integrate new features and respond to customer feedback while maintaining the platform's stability. This flexibility ensures that technological advancements can be incorporated without compromising the user experience. Ezipay's design is user-centric, ensuring features are intuitive and meet customer needs. To support ongoing growth, the platform is built on scalable infrastructure, including cloud-based solutions and failover systems, which ensure service reliability even as user demand increases. Driving Growth through Strategic Partnerships As the CEO of Artificial Intelligence Technologies, Amit recognizes the pivotal role of collaboration with governments, financial institutions, and other key stakeholders in advancing Ezipay's mission and growth. This strategic approach ensures the platform's success across various domains. The company brings cross-functional teams with technology, security, compliance, and customer support expertise, ensuring that innovation aligns with operational excellence. A Security is a top priority at every stage of development. The platform employs 11 www.businessmindsmedia.com

14. shared resources, allowing Ezipay to benefit from the expertise of seasoned financial entities. Through these strategic partnerships, Ezipay continues to push the boundaries of fintech innovation while ensuring growth and operational security. Key Insights for Aspiring Fintech Leaders Amit offers valuable insights for aspiring leaders aiming to drive innovation in fintech while managing market complexities. One key aspect is a deep understanding of regulatory requirements. Leaders must keep up with changes in legislation to ensure their solutions remain viable and compliant. Regulatory knowledge plays a crucial role in shaping fintech innovations. A flexible organizational culture is essential for responding swiftly to market changes and technological advancements. Encouraging teams to experiment, learn, and adapt helps create a resilient environment that fosters innovation. Moreover, focusing on customer-centric innovation is crucial. Engaging with users and gathering feedback ensures that products meet real customer needs, strengthening market relevance. Partnerships with governments help Ezipay comply with legal frameworks and regulatory standards, strengthening trust and credibility with users and partners. Working alongside financial institutions enables Ezipay to leverage established infrastructure and innovative technologies, improving service offerings and operational efficiency. Governments and financial institutions also support building robust financial platforms, including cloud services and payment gateways, contributing to Ezipay's growth. Joint efforts with industry players allow Ezipay to advocate for policy, influencing favorable financial policies and promoting innovation and sustainable growth. Leaders should also leverage data, blockchain, and AI to enhance decision-making, personalize user experiences, and identify trends, offering competitive advantages. Building strategic partnerships with other fintech companies, traditional financial institutions, and tech firms expands access to new technologies, markets, and resources while driving further growth. Collaboration with local banks and stakeholders plays a significant role in entering new markets. By understanding local financial behaviors and integrating seamlessly with existing systems, Ezipay can expand its reach effectively. Additionally, partnerships with stakeholders provide valuable insights into risk management, helping to ensure secure transactions and minimize the risk of fraud—key considerations in fintech. Collaboration enhances customer trust and adoption. Ezipay's credibility is strengthened by its partnerships, making it easier for users to embrace its solutions. The company has also earned recognition, receiving the Best Fintech Award and Best Customer Support from the Customer Choice Awards for three consecutive years. Cybersecurity is another priority. Strong security measures protect sensitive financial data and build customer trust. Investing in cybersecurity safeguards both Furthermore, collaboration facilitates knowledge exchange and access to 12 www.businessmindsmedia.com

15. levels, ensuring trustworthiness and legitimacy. Ezipay looks to partner with global financial institutions and startups, expanding its ecosystem and fostering innovation. Ezipay strives to empower users by offering accessible financial services that bridge geographical gaps and foster financial inclusion in underserved communities. In addition to offering services, Ezipay aims to promote financial literacy and inclusion by educating users on the benefits and functionality of digital currency and blockchain. By implementing these strategies, Ezipay seeks to revolutionize the financial experience for diasporas and expats, using Ezipay Coin to create a platform where global financial transactions are no longer a barrier but an opportunity. Ultimately, the company aims to set a new standard for speed, security, and simplicity in the global financial services sector. reputation and user confidence. Leaders should also cultivate a learning culture within their teams, providing opportunities to stay updated on the latest tech and market trends. This helps to prepare teams for emerging challenges, and fuels continued innovation. is central to this vision, aiming to transform global remittances and bill payments. The core objectives of this vision include improving transaction speed and efficiency, with blockchain reducing cross-border transaction times and enabling real-time transfers and payments. This would eliminate delays commonly found in traditional banking systems. While agility is important, maintaining a long-term vision ensures that all innovations align with the company's objectives. Encouraging creativity within the team allows for exploring novel ideas and groundbreaking solutions. Additionally, measuring the impact of innovations through metrics is essential for continuous improvement and refinement. Security is a primary focus, with blockchain offering a decentralized ledger system that ensures transaction safety and prevents unauthorized access. The transparency of blockchain further strengthens trust among users. Ezipay also strives to provide a seamless user experience, integrating Ezipay Coin into a simple and intuitive platform accessible to users regardless of their technical knowledge. In addition to efficiency, the platform aims to reduce the costs typically associated with remittances by eliminating intermediary steps, thus making financial services more affordable. By balancing innovation with strategic management of complexities, aspiring leaders can significantly impact the fintech industry. Lastly, thinking outside the box is crucial in achieving groundbreaking results. Transforming Global Financial Services for Diasporas Ezipay envisions providing global accessibility, enabling even the most remote diasporas and ex-pats to access quick and reliable financial services while bridging gaps for underbanked communities. The platform is also committed to upholding regulatory compliance at both global and local Ezipay's long-term vision focuses on reshaping financial services for diasporas and expats worldwide by utilizing advanced technologies to streamline and improve financial transactions. The launch of Ezipay Coin, built on blockchain technology, 13 www.businessmindsmedia.com

16. Vision 2030 and Beyond HOW CEO’S ARE ALIGNING WITH 14 www.businessmindsmedia.com

17. D global center for trade, technology, tourism, and innovation. This transformation is not accidental. It results from strategic initiatives driven by government policy and the private sector, with Dubai's CEOs playing an integral role in shaping the city's future. As the UAE works towards achieving its ambitious Vision 2030, top CEOs in Dubai align their corporate strategies with national goals, driving a new chapter of economic growth, sustainability, and diversification. ubai, one of the most influential cities in the Middle East, is positioning itself as a Dubai's economy has been primarily driven by oil and real estate. However, to secure long-term stability, the government is keen to reduce its dependency on these sectors and expand into new industries like technology, tourism, and renewable energy. Dubai's private sector CEOs are playing a key role in this diversification. For example, in the real estate and construction sectors, CEOs are not simply focusing on luxury developments but are now investing in smart, sustainable cities. Mohamed Alabbar, founder and chairman of Emaar Properties, has spearheaded projects like the Dubai Creek Harbour, which integrates cutting-edge technology and sustainable living practices to create an urban environment that complements Vision 2030's goals. Understanding Vision 2030: A National Framework for Growth Vision 2030 is a roadmap designed by the UAE government to build a sustainable, diversified economy that relies less on oil. The government's plan focuses on innovation, technological advancement, sustainable practices, and global competitiveness. Key pillars of the vision include economic diversification, a strong push toward renewable energy, advancing technological capabilities, and enhancing the UAE's role in global markets. Dubai's top financial sector leaders have been integrating fintech, blockchain, and AI into their offerings. CEOs like Arif Amiri of the Dubai Investments Group have embraced these technologies, enabling the UAE to lead regional innovation. By supporting the growth of startups, investing in digital transformation, and creating new financial products, they are contributing directly to the diversification of the country's economy. For Dubai's CEOs, these national goals represent both an opportunity and a responsibility. As leaders of major businesses, they must ensure their companies are aligned with these broad goals while also responding to the changing demands of a globalized economy. Many of Dubai's top executives have embraced the challenge, embedding sustainability, innovation, and global competitiveness into their business models. Driving Innovation and Technological Advancements Innovation and technology are cornerstones of Vision 2030, and Dubai's CEOs are taking this mandate seriously. Many of Dubai's most prominent companies invest heavily in advanced technologies like artificial intelligence, blockchain, and smart city infrastructure. By aligning their business strategies with these national priorities, these leaders are not only Diversifying the Economy One of Vision 2030's central aims is economic diversification. For decades, 15 www.businessmindsmedia.com

18. positioning themselves at the forefront of global industries. Still, they are also contributing to Dubai's long-term growth. For instance, Sultan Ahmed bin Sulayem, CEO of DP World, has been a major proponent of using technology to improve logistics and trade. DP World has embraced automation, artificial intelligence, and blockchain to enhance the efficiency of its ports and supply chains. This focus on technological advancement helps Dubai maintain its competitive edge as a global trade hub, in line with the goals set out by Vision 2030. Additionally, the push toward digital transformation in Dubai's businesses is evident in the finance, healthcare, and education sectors. CEOs are adopting cloud computing, big data, and AI to improve operational efficiency and customer experience, driving the UAE's ambition to become a digital economy leader. Sustainability and Green Energy Initiatives A significant priority under Vision 2030 is sustainability. Dubai's CEOs are incorporating sustainability into their corporate strategies, not just to align with national goals but also to stay competitive in a rapidly changing world where consumers and investors are demanding more eco-friendly solutions. One example is the energy sector's role, where CEOs like Suhail Faris Ghanem Al Mazrouei, CEO of Dubai Petroleum, promote sustainable practices and clean energy initiatives. Dubai has set ambitious goals to reduce carbon emissions and increase the use of renewable energy. Many of Dubai's CEOs support these efforts by investing in solar energy, waste management, and other green technologies. The Mohammed bin Rashid Al Maktoum Solar Park, for example, is one of the 16 www.businessmindsmedia.com

19. world's most significant renewable energy projects and is being supported by both the public and private sectors. nation. They are doing this by expanding their companies' international footprints, tapping into emerging markets, and creating alliances with global corporations. Dubai is positioned as a gateway between East and West, and its business leaders are leveraging this strategic location to expand into new markets across Asia, Europe, and Africa. CEOs in construction and manufacturing are also integrating sustainable design principles into their projects. As a result, green buildings and sustainable urban planning have become essential components of new developments. Dubai's top business leaders directly contribute to the UAE's sustainability goals, from waste management solutions to water conservation systems. These leaders understand that global competitiveness means focusing on local markets and creating strong international relationships that contribute to the success of the UAE and their own companies. By aligning their business goals with Vision 2030, they are ensuring that Dubai remains at the forefront of international trade and commerce. Building a Knowledge-Based Economy Another key aspect of Vision 2030 is the development of a knowledge-based economy that relies on skilled labor, research and development, and innovation. Dubai's CEOs are investing in education and training programs to ensure their companies have the right talent to succeed in the future. Conclusion Dubai's CEOs are a driving force behind the country's progress towards Vision 2030. By aligning their corporate strategies with national goals, they are helping to build a diversified, sustainable, and innovative economy that will thrive long after the oil era. Through investment in technology, sustainability, human capital, and global competitiveness, these leaders are not only securing the future of their companies. Still, they are also shaping the future of Dubai and the UAE. With the continued collaboration between the private and public sectors, the ambitious goals of Vision 2030 are within reach, ensuring that Dubai remains a global business hub for generations to come. To this end, many of Dubai's top executives are partnering with universities, research institutions, and international organizations to boost their companies' research and development capabilities. By promoting continuous learning and providing employees with access to the latest knowledge and skills, these CEOs prepare the workforce for the future while driving the growth of new industries in technology, healthcare, and engineering. For instance, tech industry CEOs are working to build strong foundations for the knowledge economy by supporting coding schools, tech incubators, and startup ecosystems. By investing in human capital, Dubai's CEOs are helping to ensure the country's place as a global leader in innovation and technology. Strengthening Global Competitiveness Dubai's CEOs are also working to align their strategies with the UAE's goals to become a more globally competitive 17 www.businessmindsmedia.com

20. Pioneering the Next Generation of Digital Payments , T he digital payments industry is undergoing significant changes as businesses and regulators work to ensure financial transactions' efficiency, security, and compliance. With the rapid increase in cross-border trade and digital commerce, the demand for seamless, secure payment solutions has never been higher. As a result, digital payment systems must evolve to meet the complex needs of businesses, consumers, and regulatory bodies. The need for robust and transparent payment systems is driving innovation and collaboration between industry players and regulatory authorities worldwide. A successful team is built on diversity, motivation, and collaboration, with a focus on finding solutions rather than assigning blame. supports businesses in overcoming challenges related to currency exchange, fraud prevention, and transaction transparency. By collaborating with financial institutions and regulators, it plays an essential role in shaping the future of digital payments. Its commitment to providing secure, seamless services ensures businesses can confidently expand globally, knowing that their financial transactions are supported by cutting- edge technology and robust regulatory compliance. and digital, regulatory bodies are working to keep pace with technological advancements, focusing on maintaining consumer protection and financial stability. In the coming years, several key developments are anticipated: Hubpay, a prominent player in the UAE, has established itself as a key contributor to this transformation in the digital payments sector. By focusing on compliance with local and global regulations, it has created a platform that allows businesses to manage cross-border transactions securely and efficiently. The company's innovative approach combines advanced technologies, such as AI and blockchain, with a strong emphasis on maintaining financial stability and consumer protection. Its platform not only meets regulatory requirements but also adapts to the needs of businesses operating in diverse global markets. • Increased Regulatory Scrutiny: Heightened oversight is expected across various sectors, with a particular focus on areas such as data privacy, risk management, and anti-money laundering measures. Standardized Regulations: There is a growing need for consistent regulations to facilitate smooth cross-border transactions and support innovation within the country. Collaboration Between Regulators and Industry: Cooperation between regulatory bodies and industry players will be essential to address these Shaping the Future of Digital Payment Regulation • The regulatory environment for digital payments is undergoing significant changes. While the UAE maintains a strict approach to issuing licenses for new fintech companies, this regulation ensures that businesses within the sector remain compliant and operate with respect for the law. As the world becomes increasingly interconnected • With a focus on scalable, high- performance solutions, Hubpay 18 www.businessmindsmedia.com

21. CEO and Founder Hubpay 19 www.businessmindsmedia.com

22. • changes effectively. Hubpay is actively involved in these discussions, contributing to developing a robust and forward- thinking regulatory framework. Regarding Hubpay's role in this transformation, the company remains dedicated to leading innovation while adhering to the highest regulatory standards. Hubpay will continue to: • Drive Innovation: Invest in advanced technologies to improve services and deliver a seamless user experience. Embrace Regulation: Proactively engage with regulators to ensure compliance and influence the development of the regulatory framework, as it has done in the past. Promote Collaboration: Work with other industry stakeholders to support the widespread adoption of digital payments and establish industry standards. • • By staying ahead of trends and playing an active role in shaping the future of digital payments, Hubpay is positioned to be a leader in financial inclusion and economic growth, both in the UAE and beyond. Empowering Global Business Growth Through Secure Payments Hubpay has been a leader in helping UAE businesses access international markets through secure and innovative cross-border payment solutions. The company's extensive experience has highlighted the need for payment systems capable of handling multiple currencies and jurisdictions. Here's how the company operates: 1. Comprehensive Network: • Hubpay collaborates with a broad network of global partners covering significant markets worldwide, including banks, payment processors, and financial 20 www.businessmindsmedia.com

23. • institutions. This wide-reaching network enables Hubpay to offer various payment options and optimize routing for maximum efficiency. The company stays current with the latest regulations and compliance standards across different jurisdictions, ensuring clients can confidently operate and avoid legal challenges. As the world becomes more interconnected and digital, regulatory bodies will adapt to keep pace with technological advancements while ensuring consumer protection and financial stability. • 2. Currency Exchange and Risk Management: • Hubpay provides competitive currency exchange rates and offers real-time visibility into transaction costs, allowing businesses to make informed decisions. • Automated risk management systems are in place to mitigate currency fluctuations and safeguard against fraud, ensuring secure transactions at all times. UAE businesses to expand their reach, overcome payment barriers, and succeed in the international marketplace. , trading, capitalizing on the UAE's growing prominence as a hub for gold trade in the coming years. The team is continually working to develop new features and functionalities to meet the changing needs of users. • Driving Innovative Digital Payments As the first FinTech company in the UAE to offer digital money services, Hubpay has consistently led innovation within this sector. The company remains committed to maintaining its leadership by pursuing the following strategies: 3. Fostering Partnerships: • Hubpay seeks partnerships with other FinTech companies, banks, and businesses to create synergies and expand its reach. • The company is committed to collaborating with regulators to shape the future of digital finance in the UAE. 3. Transparent and Secure Platform: • The platform is built with transparency and security at its core, with continuous improvements and innovations being made. Customers, including SMEs and enterprises, benefit from real-time transaction tracking, detailed reporting, and strong security measures. • Hubpay prioritizes data privacy, implementing strict security protocols to protect sensitive financial information. 1. Embracing New Technologies: • Blockchain: Hubpay is exploring the potential of blockchain technology to enhance security, transparency, and efficiency in cross-border transactions. • AI and Machine Learning: The company utilizes AI and machine learning to improve fraud detection, risk management, and customer experience, particularly in the app for individual remittances. • Biometric Authentication: Hubpay integrates biometric authentication methods to provide secure and seamless service access. 4. Customer-Centric Approach: • Hubpay is dedicated to improving the user experience by providing intuitive interfaces, personalized services, and exceptional customer support. • The company remains focused on making digital payments simple, secure, and convenient for its customers. 4. Dedicated Support and Relationship Management: • A team of experts provides white- glove service, assisting clients in navigating the complexities of cross-border payments and resolving any issues quickly. • Personalized support and tailored solutions are offered to meet the unique needs of each business. New Technologies: Several emerging technologies and trends are set to impact digital payment systems significantly: 2. Expanding Product Offerings: • Hubpay plans to introduce innovative digital payment solutions tailored to specific industries and customer segments. Recently, the company expanded its corporate platform to include precious metals • Mobile Payments: The adoption of smartphones and mobile wallets will continue to drive the popularity of mobile payments. Cashless Societies: The demand for digital payment solutions is • Through its experience, technology, and global network, Hubpay enables 21 www.businessmindsmedia.com

24. 22 www.businessmindsmedia.com

25. • accelerating as more countries transition towards cashless economies. Real-Time Payments: Real-time payment systems will enable faster and more efficient transactions, revolutionizing business operations. Cryptocurrency and Digital Assets: While still in the early stages, cryptocurrencies and digital assets hold the potential to reshape the financial industry. necessity of the change. The company will also offer alternative login methods, such as fingerprint or facial recognition, to maintain a smooth and secure user experience. resolve potential bottlenecks. Data-driven Insights and Decisions: Data analytics monitor system performance, enabling Hubpay to make informed decisions that optimize scalability. • • Building a Strong, Solution-Focused Risk and Compliance Team • By prioritizing scalability and performance, Hubpay is well-equipped to support its growth and meet the changing needs of its customers. • Hubpay is proud to have one of the region's most experienced and dedicated risk and compliance teams. Their expertise and commitment to excellence are crucial to maintaining the company's reputation as a trusted and reliable FinTech provider. Solving Market-Specific Payment Challenges with Innovative Solutions By embracing these trends and leveraging emerging technologies, Hubpay is well-positioned to influence the future of digital payments in the UAE and beyond. Hubpay profoundly understands the unique pain points faced by different markets and is committed to solving these issues through its existing product portfolio or innovating new solutions tailored to each market. A successful team is built on diversity, with individuals who are strong team players and highly motivated. While experience and skillsets are crucial, the team's culture, mutual understanding, and focus on finding solutions—rather than assigning blame—are essential to their success. Balancing User Experience with Security and Compliance Working in a fast-paced startup like Hubpay requires agility and swift problem-solving. The company often faces situations that demand quick adaptation to significant changes or obstacles. The company envisions itself as a global leader in secure and efficient cross-border payments, with a continued focus on innovation and expanding its product offerings. Hubpay aims to address intricate payment challenges to ensure it can support businesses worldwide. Ensuring Scalable and High- Performance Financial Solutions Hubpay's technology is the foundation for its FX trading platform and international remittances app. With considerable experience designing and implementing scalable technologies for financial solutions, Hubpay continues refining its capabilities to handle increasing transaction volumes and the evolving needs of its business and ecosystem. Hubpay prioritizes customer experience by ensuring its platform is easy to use, secure, and reliable. This is achieved through investments in user- friendly design, strong security measures—already in place but consistently updated to stay ahead of evolving technology—and a resilient technical infrastructure. Conflicts may arise between customer experience and security or compliance requirements. In these instances, Hubpay always prioritizes security and compliance, while also striving to find solutions that address the needs of both customers and regulators. To ensure that the platform can scale effectively, Hubpay focuses on the following key areas: • Cloud-native Architecture: The company utilizes cloud-native technologies to provide flexibility, scalability, and redundancy. Load Testing and Performance Optimization: Hubpay consistently tests the platform under heavy load to identify and For example, if a new security measure is implemented that slightly complicates the login process for customers, Hubpay will inform customers in advance, explaining the • 23 www.businessmindsmedia.com

26. HOW DUBAI'S TOP CEOS ARE SHAPING THE Future of Business ubai, the glittering jewel of the D innovation. The city's skyline is a testament to its ambition, with towering skyscrapers and cutting-edge infrastructure. However, it's not just the impressive buildings; it's the CEOs steering the city's businesses toward success, turning bold ideas into reality. These leaders are playing a significant role in shaping not just Dubai's future but the future of industries across the globe. boundaries, driving change, and making decisions that shape the future of industries. UAE, has long been a global magnet for business and One of the most notable qualities of Dubai's top CEOs is their ability to adapt to shifting market conditions while focusing on the long term. They are not just concerned with short-term profits but also with building sustainable growth. By staying ahead of trends in technology, finance, or real estate, these leaders ensure their businesses thrive in an increasingly globalized economy. Bold Leadership in a Global City Visionary Approach to Technology The CEOs of Dubai's most influential companies are setting the pace for growth, and their approach to leadership is helping define the next chapter in the city's business story. From multinational corporations to homegrown startups, these leaders deeply understand what it takes to stay competitive in a world where innovation is key. In a city known for its bold vision, these CEOs are pushing In Dubai, technology plays a central role in shaping the future of business. CEOs in sectors ranging from fintech to logistics use technology to improve operations and transform entire industries. For example, in the banking sector, several leading CEOs have embraced digital transformation to cater to a tech-savvy population and to stay ahead of global competitors. 24 www.businessmindsmedia.com

27. Leading from the Front 25 www.businessmindsmedia.com

28. These CEOs understand that the future of finance lies in innovation, and they are creating platforms that allow consumers to access financial services more efficiently and securely. how their projects can benefit the environment, integrating green technologies and sustainable designs into their developments. As the global conversation around climate change intensifies, Dubai's construction leaders are working to ensure that their developments stand the test of time in terms of design and environmental impact. In addition to traditional industries, Dubai's CEOs are driving growth in cutting-edge sectors such as artificial intelligence (AI), blockchain, and renewable energy. Companies like DP World, led by Sultan Ahmed bin Sulayem, are pioneering AI-based solutions to improve supply chains, while others are investing heavily in innovative city initiatives. These leaders are not just implementing technology—they are shaping the business environment to ensure Dubai remains a hub for innovation. A Global Mindset with Local Expertise Their ability to balance global ambition with local knowledge sets Dubai's CEOs apart. These leaders understand that success in Dubai requires a unique combination of international strategy and understanding the region's culture and economic drivers. Dubai is a melting pot of cultures and influences, and CEOs here know how to tap into the city's multiculturalism to create businesses that appeal to a global audience. Real Estate and Construction: Reinventing the City Dubai's real estate and construction sectors are among the most talked- about globally. The city is home to some of the world's most iconic landmarks, from the Burj Khalifa to the Palm Jumeirah. The vision behind these mega-projects is largely driven by Dubai's construction industry CEOs, who have redefined what is possible in urban planning. Dubai's business environment is built on strong relationships and trust. Local expertise is just as necessary as international experience, and many of the city's top CEOs have deep ties to the region. This local knowledge allows them to navigate the unique business climate in Dubai, where regulatory conditions can be quite different from those in the West or other parts of the world. By maintaining strong local relationships and understanding the local business environment, these CEOs can expand their companies globally while remaining rooted in Dubai's distinct character. Mohammed Alabbar, founder and chairman of Emaar Properties, has been at the forefront of these changes. Under his leadership, the company has delivered some of Dubai's most prestigious developments, including the Burj Khalifa and the Dubai Mall. Alabbar's leadership has demonstrated the importance of thinking big and being willing to take calculated risks. His focus is not just on building real estate but on creating experiences and communities that draw people worldwide. Creating Jobs and Inspiring the Next Generation Beyond the boardrooms and decision- making processes, Dubai's top CEOs are impacting the community by creating opportunities for others. They The real estate industry in Dubai has also seen a shift towards sustainability. CEOs in the sector are now looking at 26 www.businessmindsmedia.com

29. are focused on their companies' bottom lines and invested in shaping the future of the city's workforce. As technology, new industries, and growing sectors continue to shape the economy, these leaders actively create jobs and offer new career paths to the next generation of talent. Dubai is quickly becoming a center for entrepreneurship, and many top CEOs are giving back to the community by supporting initiatives that foster startup growth. They are mentoring young entrepreneurs, sharing their experiences, and providing access to funding that helps new companies scale. This sense of responsibility and community involvement is changing the business climate, making it a place where ideas can thrive and new talent is encouraged to grow. Conclusion: Leading with Purpose Dubai's top CEOs are not just steering businesses toward success; they are creating a blueprint for the future of business itself. They lead with a sense of purpose, ensuring their companies not only meet the demands of today but are also equipped to face the challenges of tomorrow. Whether through technological innovation, sustainable development, or global expansion, these leaders are driving the transformation of Dubai into an international business powerhouse. By thinking strategically, acting boldly, and leading with vision, Dubai's top CEOs are shaping the future for their companies and the world. 27 www.businessmindsmedia.com

30. CEO IFQ Technologies 28 www.businessmindsmedia.com

31. Dr. Isha Farha Navigating the Intersection of Tech and Beauty I underway, marked by innovation and empowerment. This journey encompasses a vision to revolutionize learning experiences and bridge educational gaps through cutting-edge technology solutions. At its core lies a commitment to fostering inclusivity and driving positive change on a global scale. n the modern landscape of technology and education, a transformative journey is technology. Committed to innovation and research, IFQ embarks on a global expansion journey, forging strategic partnerships and establishing itself as a significant player on the global tech stage. With a focus on next-generation education and a customer-centric approach, IFQ aims to create a future where technology transforms lives and empowers individuals to reach their full potential. Let's delve deeper to learn more: Leading this visionary mission is a notable figure whose achievements transcend boundaries and inspire countless individuals worldwide. Dr. Isha Farha Quraishy, CEO of a pioneering tech company, brings a wealth of experience and a relentless passion for leveraging technology for educational empowerment. Her journey reflects a seamless integration of diverse experiences, from modeling to technology leadership, guided by a steadfast commitment to making a meaningful impact. Transformative Journey Dr. Isha Farha Quraishy, a notable figure, has embarked on an intriguing journey marked by remarkable achievements. Commencing her career as a successful model, she eventually ascended to the position of CEO at IFQ Technologies, shaping a narrative characterized by determination, innovation, and significant influence. Transitioning from her initial success in the modeling industry, Dr. Isha Farha Quraishy seamlessly integrated her experiences into the realm of technology. She concurrently engaged At the helm of this groundbreaking endeavor stands IFQ Technologies, a Center of Excellence for New Age 29 www.businessmindsmedia.com

32. with prestigious technology firms such as Microsoft, VMware, EMC, HP, GEMS Education, and Finesse, assuming roles in both tech and management. Her background in the fashion world provided her with insights into creativity, aesthetics, and effective visual communication, facilitating her mission to advocate for technology, innovation, and change on a global scale. Driven by her belief in a guiding principle—"Be Passionate at your Profession and Be Professional at your Passion"—Dr. Isha Farha Quraishy redirected her focus toward education and technology. Her academic background coupled with her fervent enthusiasm for leveraging technology for positive change propelled her into a new professional trajectory. At the helm of IFQ Technologies, Dr. Isha Farha Quraishy leads a dynamic team committed to harnessing technology for educational empowerment. The company is dedicated to developing innovative solutions that enhance learning experiences, thereby making education more accessible to all. Her journey intertwines with the burgeoning ed-tech revolution, wherein Dr. Isha Farha Quraishy recognizes the transformative potential of technology in bridging educational gaps and fostering inclusivity. Under her leadership, IFQ Technologies embodies this commitment to leveraging technology for the betterment of education. Remaining at the forefront of technological exploration, Dr. Isha Farha Quraishy actively engages with cutting-edge advancements such as the Metaverse. She envisions this digital universe as a catalyst for revolutionizing education, 30 www.businessmindsmedia.com

33. to Isha's journey. Embracing change, she navigates through life's twists and turns, knowing that innovation flourishes at the intersection of curiosity and courage. Open to new technological advancements, she remains flexible and responsive to evolving landscapes. With a global lens, Isha draws upon her experiences on international stages to inform her decisions. In boardrooms and brainstorming sessions, she considers cross-cultural nuances, recognizing that empathy and understanding transcend borders in a connected world. Isha's journey isn't merely a transition; it's a harmonious fusion of passions—technology, beauty, and purpose, , transcending physical boundaries, and promoting inclusivity. Dr. Isha Farha Quraishy's journey is a harmonious blend of technology, beauty, and purpose—a tapestry woven with experiences and aspirations that reflect her unwavering commitment to education, innovation, and positive impact. , , Dr. Isha Farha Quraishy's narrative serves as a source of inspiration for countless individuals, including students, educators, and entrepreneurs. Her journey exemplifies resilience, adaptability, and a relentless pursuit of meaningful impact. Driven by purpose, Isha's leadership extends beyond accolades. Her heart beats for social impact, viewing education not just as a profession but as a calling. She measures success not only in profits but also in lives touched, guided by purpose-driven leadership toward meaningful endeavors. As an AI technology expert, Isha's mission is to democratize education, envisioning a world where every child, regardless of circumstances, has access to quality learning experiences. She leverages technology as her ally, championing innovation that transcends borders across various industries such as Agriculture & Sustainability, Health & Wellness, Defense-Safety & Surveillance, Art and Entertainment, and Banking- Finance & Insurance. Earning esteemed titles such as Her Excellency and Ambassador, Dr. Isha Farha Quraishy's dedication to education, technology, and global collaboration is widely acknowledged. As an ambassador, she represents innovation, inclusivity, and progress on an international platform, inspiring positive change and empowering future generations. Dr. Isha Farha Quraishy's journey can be defined as a symphony of bytes and beauty, algorithms and aspirations, weaving together her passion for technology, her grace as a beauty queen, and her commitment to making a positive difference in the world. Embracing Purpose Possessing a Doctorate Degree in the field of AI and Tech, Dr. Isha Farha Quraishy's journey from a successful model to the CEO of IFQ Technologies and an ambassador for the Diplomatic Mission for Global Peace underscores her commitment to making education accessible worldwide. Her dedication aligns with the United Nations Sustainable Development Goals (SDGs), reflecting her vision for leveraging technology for educational empowerment and her philanthropic contributions toward improving lives worldwide. Her time as a beauty queen instilled invaluable lessons in confidence, presentation, and self- expression—skills that transcend pageantry and serve as essential qualities of leadership. Isha understands the power of aesthetics, infusing beauty into functionality whether designing an app interface or curating an educational module. Her runway experience not only taught her grace but also instilled the confidence to engage with diverse audiences, connecting with millions with ease. Dr. Isha Farha Quraishy reflects on an extraordinary journey that transcends the realm of beauty pageantry. Rooted in purpose and driven by a deep-seated belief in the power of beauty beyond aesthetics, her path was marked by notable milestones, notably being the first candidate to represent a Muslim Nation at International Pageantry in 2019 at Mrs. Universe. Her titles, including Mrs. UAE United Nations and Mrs. Universe Middle East, serve as more than mere Innovation and adaptability are central 31 www.businessmindsmedia.com

34. adornments; they are platforms for advocacy. Through these roles, she champions causes close to her heart, such as education, inclusive education, technology, and women's rights. For Isha, purpose-driven leadership is synonymous with impact—whether it's witnessing a child's excitement while learning through digital platforms or supporting women affected by domestic violence and child abuse. She endeavors to implement technology solutions to ensure the safety and security of women and children in her country and beyond. Navigating Challenges Blending Passions In her multifaceted journey encompassing roles as a technologist, entrepreneur, and beauty queen, Dr. Isha Farha Quraishy finds that the skills and lessons learned continue to shape her leadership as CEO. Dr. Isha Farha Quraishy's journey isn't merely a transition; it's a harmonious fusion of passions—technology, beauty, and purpose. From her formative years, Isha felt drawn to the enchantment of technology—the way it molds our world, fosters connections and unravels complex puzzles. While technology remained her foremost passion, she pursued parallel tracks in modeling, acting, and entertainment. Renowned in the television industry as an anchor and a trained classical dancer, she also ventured into painting, and singing, and even took on leading roles in regional and Bollywood films. In the dynamic world of the Art and Fashion Industry, nerves often intertwine like ribbons backstage. Yet, when the spotlight illuminates, confidence must radiate. Transitioning from the runway to the boardroom, Isha upholds this principle: Confidence serves as her guiding light. Amidst the ebbs and flows of the market and pivotal strategic decisions, she stands resolute, understanding that belief propels action. Isha dismantles misconceptions surrounding beauty pageants, emphasizing their transformative nature. Beyond sashes and tiaras, pageantry fosters self-discovery and confidence. As Mrs. Universe Middle East, she forged connections with women from diverse backgrounds, enriching her global perspective. Today, those shared moments inform her strategies in technology and advocacy for women's empowerment. She recognizes empathy as the bridge that spans continents, granting her a voice, identity, and purpose. As a producer, she established IFQ International Productions, contributing to the vibrant landscape of Indian cinema. Yet, amidst her varied pursuits, Isha pondered a deeper question: How could her fame and celebrity status be harnessed for the greater good? This introspection ignited her mission to utilize her visibility as a catalyst for societal change. Drawing from the resilience of her pageant days, Isha approaches challenges with grace and determination. Whether facing a product launch setback or navigating through a global crisis, she adopts the mindset of a beauty queen: straighten the spine, adjust the tiara, and forge ahead. As a CEO, she defines success not solely by financial gains but also by the positive impact on individuals' lives. For Isha, purpose-driven leadership transcends personal accolades; it leaves behind enduring imprints of change. In her role as CEO of IFQ Technologies, Isha juggles multiple responsibilities. Beauty and technology intersect in the realm of innovation, where she crafts solutions akin to an artist painting on canvas. Her artistic sensibility permeates user interfaces, infusing them with elegance. At IFQ, technology isn't merely functional—it's imbued with heart. Whether developing educational or healthcare platforms, empathy serves as their guiding principle. Drawing from the multicultural ethos of her native UAE, where diverse nationalities coexist in peace and harmony, Isha fosters international collaborations enriched by cultural understanding. In both her roles as a beauty queen and a tech entrepreneur, Isha leverages beauty as a language to captivate attention and convey purpose. Whether presenting ideas to investors or designing app interfaces, she understands the power of aesthetics in communication. Recognizing challenges as an ongoing journey, Isha emphasizes the importance of resilience and adaptability. In her view, success is not merely avoiding challenges but rather swiftly overcoming them. She remains prepared to confront unexpected obstacles at any juncture of life's trajectory, understanding that resilience is the hallmark of true success. While the crowns may now rest in velvet boxes, Isha's purpose continues to burn brightly. Whether in boardrooms or on virtual stages, she leads with unwavering determination to effect change—one algorithm, one conversation, one heart at a time. Beyond mere titles, she believes in the lasting impact one creates in the world. 32 www.businessmindsmedia.com

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