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The United Arab Emirates payment market and its specifics: An interview with Nimish Dwivedi

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With over 15 mainline card issuers catering to a bankable population of 3.5–4 Million, the United Arab Emirates ( UAE) is one of the most competitive and fastest-growing markets in the region. Mashreq is one of UAE’s leading financial institutions with a large and growing retail presence in the region including the UAE, Egypt, Qatar, Kuwait and Bahrain. It is also a very vibrant and tech-savvy market, with high broadband and smart-phone penetration levels, and one in which new product launches, proposition revamps, co-branded alliances and alternative payment mechanisms, such as mobile wallets and direct debit platforms, are becoming increasingly popular. The key challenge for most players is gaining wallet-share and driving relationship profitability, hence most large issuers and acquirers are also investing heavily in mainstream media. In this interview, Nimish Dwivedi, Head of Payments at Mashreq, explains how Mashreq is using its deep understanding of and insight into customer and market needs, allowing them to release best-in-class products and solutions.
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Keywords: Mashreq; NFC payments; United Arab Emirates; cash-to-card conversion; credit cards; debit cards; retail payments

Document Type: Research Article

Publication date: January 1, 2016

More about this publication?
  • Journal of Payments Strategy & Systems publishes peer-reviewed articles and case studies analysing best practice, emerging issues and new thinking in how to develop a profitable, customer-focused payments strategy. It examines major issues facing the corporate, wholesale and retail payments industry from a business, risk and operational perspective.

    Edited by renowned payments expert Alec Nacamuli and guided by an eminent Editorial Board, each quarterly 100-page issue provides practical, detailed analysis of developments and trends in the payments business, regulation, new entrants and technologies and how to bring them all together to define your payments strategy, as well as actionable advice and ‘lessons learned’ from fellow professionals on how payment processing systems can be leveraged to maximise profitability, security and efficiency and minimise risk. It contains no advertising and no advertorial.

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