Despite the challenges presented by the pandemic, we are seeing an increasing focus on open, connected banking: successful organizations tend to be those that put their customers at the heart of their strategy. The concept of ‘banking the ecosystem’, which is an interconnected set of services where customers can fulfil a variety of needs in a single integrated experience, may represent the cornerstone of digital banking in the future. Banks across the UAE are also embracing blockchain, which offers benefits including operational efficiencies, reduction of intermediary costs, and a culture of transparency