Entrepreneurs
United Arab Bank: Providing Comprehensive Banking Solutions with Regional Alliances
Starting off as a private joint stock company in the city of Sharjah, UAB has undergone great strides and development throughout the years including very recently having been transformed to a public joint stock company in 1982 by virtue of Emiri Decree No. 17/82. This marked the launch of a high-octane drive to become the first financial solutions provider to the trade and industry of the UAE.
The issued share capital of UAB had been listed on the Abu Dhabi Securities Exchange since 2005. This consolidation of financial strength diversified the source of investors for the bank. It also highlighted that the stature of the bank in the UAE financial market has been rising to offer its services and to reach more customers today. UAB stands as one among the promising regionally recognized banking institutions for the commitment to delivering diverse financial services and solutions to multiple clients.
The financial services suite offered by UAB strengthens the banks’ corporate, institutional, and retail client franchises in the UAE. Believing that prosperity can be created for businesses of all sizes, their Corporate and Institutional Banking portfolio focuses strongly on trade finance, treasury services, and cash management solutions. In this scenario, the thorough knowledge of the domestic market and flexibility to establish customized financial solutions helped turn the bank into a favorite among numerous businesses that have emerged in the UAE. UAB also presents a comprehensive portfolio of Retail Banking products targeted at personal customers: saving accounts, personal loans, credit cards, mortgage solutions-movable goods insurance, and other services designed to help customers manage finances effectively and achieve all their financial objectives. The interests of the clients also appear to come first through this seamless customer experience whether through the branches or digital platforms that have been put in place, including efficient and reliable banking solutions for the clients.
Another major achievement for UAB is the introduction of Islamic Banking solutions exemplifying commitment to the different needs of the UAE’s population. With Sharia-compliant products like Islamic financing and savings accounts, UAB ensures its customers enjoy full access to financial services, which are in line with religious views and standards they adopt.
The significant turning point for UAB came in December 2007, when the strategic acquisition by The Commercial Bank saw it acquire a 40% stake in the bank. In that strategic partnership, UAB became a part of the powerful regional banking alliance that includes the National Bank of Oman (NBO) and Alternatifbank in Turkey. The alliance has provided a long platform for growth at UAB and enabled the bank to exploit synergies within the region, therefore enabling it to continue offering a wide array of competitively priced as well as diversified services to its customers. Through this partnership with The Commercial Bank, UAB has strengthened its financial capabilities while also streamlining its operations and diversifying its product offerings. The partnership has been rich in allowing UAB to share knowledge and technology with the adoption of best practices, thus giving the bank a powerful positioning in the years after acquisition. It has further opened doors for cross-border business and trade finance, thereby further establishing UAB as a competitive player in the market.
United Arab Bank continues to demonstrate financial strength and stability with strong capital adequacy ratios and liquidity positions. The bank discipline approach in terms of managing risks and corporate governance makes sure that the bank stays adequately capitalized during alterations in the economy. That is the basic reason UAB has been such a reliable partner to its clients, and could successfully serve them with a justified confidence concerning the ability of the bank to support their needs. UAB ranks 11th among the listed banks in the UAE in terms of market capitalization, as at December 31, 2015. This indicates that the bank has grown and enjoys an excellent financial basis in such a competitive UAE banking landscape. In addition, the great financial health and resilience impressively portrayed by the strong credit rating granted by Moody’s with a stable outlook underscores the bank’s reputation as a reliable banking partner.
The key to success has always been customer service delivered best and more than expectations. Matching this core value, the bank remains committed to understanding the unique needs of its customers. It continues to deliver focused financial solutions that positively add value to lives through competitive financing for its business and convenient digital banking for its individual customers. Further, the bank invests in technology and innovation to show its allegiance to customer-centricity. UAB keeps striving for better digital banking capabilities, offering its clients ready access to online banking services that are both convenient and secure. This regard for technology means that the financial lives of the clients of UAB can be easily managed, whether this is through making transactions, applying for loans, or getting information about the client’s accounts.
Going forward, UAB still looks towards becoming the most efficient and customer-centric financial provider. The bank is strategically leveraging its partnerships, embracing technological advancements, and holding high its commitment to service excellence to drive growth for a long time to come in the service of the UAE economy.
Entrepreneurs
The Power Couple of Instagram: Sara’s Journey to 5.5M Followers
Sara’s growing online fame is marked by her creativity, reliability, and deep engagement with her audience. From comedic sketches featuring her husband Ghaith to aspirational lifestyle imagery, Sara has effectively demonstrated her capability as an artist in keeping her followers interested in her content. With adept use of humour, honesty, and aesthetic sensibility, Sara stands out as one of the dearest influencers in the UAE.
Versatility is one characteristic that best describes Sara. She posts more on Beauty and Cosmetics, Apparel, and Accessories, but often crosses over into areas like Fitness, Healthcare, and Healthy Living. She offers a great deal of value to her audience through beautifying tips, exercises, and product recommendations among other content forms. This variety keeps audiences interested and puts her in the lead position as a go-to partner for brands who wish to create a more memorable impression.
Characterized as luxurious and a dynamic way of life, no destination aligns more with Sara’s fulfilment than Dubai. Through the travels she takes through the Maldives, Seychelles, and Turkey, Sara embodies luxury exploration spirits that epitomize Dubai as the ultimate and highly sought-after destination around the world for glamorous and adventurous characters. The tales are not just inspiring ones for her listeners but also speak to the part Dubai played in unlocking access to the extraordinary destinations around the world.
Collaborations underpin all of Sara’s accomplishments. For example, in a recently collaborated project with Garnier, one of her social media reels had nearly 4 million views with 130,000 interactions. Similarly, in another collaboration with Temu, such an engagement was conducted in an informative and entertaining manner, thus it gained an impressive 7.7 million views and about 500,000 engagements. These above collaborations represented the potential of marrying creativity with brand messages and finally producing something authentic and relatable. The synergy of relating to her husband, Ghaith, has that effect for Sara. A build-up in her persona comes about through the collaboration bestowed upon her with some quality that makes not only aesthetically pleasing but also emotionally meaningful. While comedy up to poignant moments, the dynamic between Sara and her husband, Ghaith, is something that essentially encompasses Sara’s brand. Their connection to her talents allows her to build a followership that enjoys an impressive 80% credibility score—a notable achievement, undoubtedly, within the realms of influencers.
Amazingly, the engagement metrics attached to Sara’s account average 9.6 million views and 1.1 million engagements per post. For a long time, such performance left in its wake most of her colleagues from the blogging community. Furthermore, she has averaged engagement rates between 4 and 5 percent, which is all proof that she indeed is extremely trusted and interesting for her audience.
Effects of Sara touch the lives of individuals. Her GRWM videos are revealing and inspiring, along with beauty tips and Q&A sessions that make them feel valued and included. This is genuine, and she welcomes each other with her excitement about cementing herself as one of the authentic social media icons in the UAE.
Sara represents a vibrant and dynamic culture about Dubai, full of energy, diversity, and aspirations, but she also keeps her feet on the ground, inspiring her followers through this story to pursue their passions and be true to themselves, but concurrently enjoy all of life’s pleasures.
When the digital world may dismiss trends, Sara’s story continues—logical, funny, hopeful, and full of energy. She has been an inspiration among young aspiring influencers, and a very revered personality among her subscribers, thanks to her capacity to capitalize on entertainment that also harbours heavy content. Through her consistent creation of content that deeply connects with her audience, Sara represents how true enthusiasm and authenticity contribute to a long-term record of success in an area that, from day to day, seems to be constantly changing with each shift in social media trends.
Entrepreneurs
How Varsity Tutors Connects the World through Personalized Learning
Varsity Tutors seems to be one trendsetter in the world of education, doing an edge in leveraging the technological front towards tailoring and making learning accessible. Conceptualized on the idea that every child is as special as his needs, Varsity Tutors connects learners of all age groups with experts in multiple subjects for fulfilling academic tutoring needs, professional skills training, and much more towards assuring that every individual’s unique educational needs are met.
What makes Varsity Tutors distinct is its dual platform approach. While for them, a learner has the option between in-person sessions or online and mobile platforms-most of which take place remotely-award-winning digital tools allow learners to get high-quality instructions from anywhere in the world. Where the finishing school kind of excellence in education is one aspect of the culture of Dubai, the parents and the students here have come to trust Varsity Tutors. Its flexibility coupled with highly advanced methods would dovetail easily into the forward-thinking approach towards education in Dubai.
The academic tutoring isn’t where it ends. Varsity Tutors also deals with professionals who want to up skill or achieve certifications for boosting their careers. Live, interactive learning makes some rather complicated subjects quite digestible, thus making this an engaging and very immersive experience. Online learning is ultimately isolating because with Varsity Tutors, one gets human contact and real-time feedback so that learning is effective but also fun.
Varsity Tutors boasts an impressive record: three million hours of live instruction delivered to date. Its strong showing does, in fact reflect the capacity to be flexible and grow within a highly dynamic educational landscape. The platform offers many different subjects through its extensive network of experts, giving any learner the chance to find an appropriate match for their goals. The reach of the program worldwide resonates with diverse communities everywhere-from students and professionals in multicultural Dubai, all of whom are seeking top-notch learning solutions to thrive in a competitive environment.
Innovation is one of the leading factors for Varsity Tutors’ success. For instance, learning in its mobile app is at the fingertips of the user: a user can schedule sessions, view resources, and interact with his instructor quite easily. This convenience has been a game-changer for many busy professionals and tight-scheduled students. Dubai’s bustling educational and professional scene has found synergy with Varsity Tutors’ vision. The platform aligns with the city’s goal of fostering a knowledge-based economy, equipping its residents with the tools needed to succeed in a globalized world. With its emphasis on personalized learning, Varsity Tutors supports Dubai’s mission to nurture talent and encourage lifelong learning.
The impact of Varsity Tutors goes beyond individual learners. Students will be empowered to reach great academic and professional heights, contributing to the building of a brighter future in communities around the globe. Quality, accessibility, and innovation ensure the firm does not only serve but lead an evolving education sector globally.
Varsity Tutors is a legacy of transformation and change in the face of education through technology potential. The platform combined personalized instruction with avant-garde digital tools that changed the face of learning. From young students to professionals undergoing training, there have been many from New York to Dubai and everywhere in between who have found a haven in Varsity Tutors.
Entrepreneurs
Nomadic Capital’s Visionary Founder: Ziad Ghosn’s Journey of Success
Ziad Ghosn, however, goes beyond being an entrepreneur; instead, he is a visionary who moulds industries in the GCC. Having been around over 15 years and immersed in the intricacies of the UAE market, Ghosn has converted Nomadic Capital into a thriving hub of innovation, incubating game-changing ventures in fields such as technology, food and beverage, and healthcare. Ghosn, along with his co-founder wife, Stephanie Khouri, is on the forefront of debunking traditional business models to herald smarter and more efficient solutions. He is the epitome of innovation and resilience.
Education and corporate experiences formed the base for Ziad Ghosn’s entry into the entrepreneurial world. He graduated with honours from the American University of Dubai, and a Master’s Degree in International Business from London, further helping him polish his skills in the bigger organizations of Wunderman, Y&R, Emirates Lebanon Bank, and Pragma Group. This experience gave him the much-needed knowledge and market insights to create his own ventures.
Ghosn, alongside his wife Stephanie Khouri, has partnered with Nomadic Capital Limited since 2017. Founded on a vision to introduce innovation in the GCC region, this start-up aims to tap into untapped markets by offering services either incu-bating potential ideas or undertaking their own ground-breaking initiatives. Collaboration is what made Nomadic Capital a leader in fostering innovation and tackling modern business challenges. Pushdot was the mobile application which Nomadic Capital produced and which earned the company a place among the top 50 start-ups to watch in the UAE. The app has been acclaimed within the region and has further received international accolades such as the Appy Awards in New York. This recognition has, therefore, underlined the app’s capability to update business needs through innovative digital tools.
Ghosn’s initiatives cover much more than mobile technology. Operating Nomadic Capital, he has done much to create opportunities in the food and drink sector, as, with his team, he was granted the International Business Excellence Award for Innovation in F&B. Among the concepts of the firm, of great significance is the Automat, a fast-food restaurant model whereby hot meals and beverages are dispensed via vending machines. Such a concept not only offers convenience but also addresses efficiency and operational issues in the industry.
Recognizing the potential of technological integration with healthcare, Ghosn has turned his attention to this booming industry recently. The focus of his last efforts has been on providing better patient care and streamlining business operations through advanced digital features. Through these gaps in traditional models for healthcare, Ghosn manages to deliver smarter solutions that are more accessible and promise to redefine the industry in the GCC and beyond.
The entrepreneurial pursuits of Ziad Ghosn reflect the kind of relentless drive for innovation and adaptation to modern business needs. His ability to turn from retail automation towards health care reveals the visionary of an entrepreneur who stands out in today’s competitive landscape. Through leveraging cutting-edge technology and deep market insights, Ghosn continues making opportunities that challenge conventional norms and redefine possibilities.
Through his firm Nomadic Capital, Ghosn gives more than just ideas to life; he creates a culture of innovation that resonates across industries. His entrepreneurial success is a blueprint for would-be business leaders, outlining how strategic vision and adaptability lead to transformative outcomes.
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