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MENA and Emerging Markets AI

AI financial assistants from Gulf and MENA banks and fintechs serving the Middle East and North Africa.

What are the best MENA and Emerging Markets AI?

AI financial assistants from Gulf and MENA banks and fintechs serving the Middle East and North Africa.

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Emirates NBD Liv. AI

Emirates NBD
The lifestyle digital bank for the UAE

Liv. by Emirates NBD is the UAE's leading lifestyle digital bank with an AI assistant helping young UAE residents manage money set savings goals split bills and access exclusive lifestyle offers through a fully digital experience.

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FAB AI Assistant

First Abu Dhabi Bank
Intelligent banking from the UAE largest bank

First Abu Dhabi Bank's AI assistant is integrated across FAB's digital banking platform providing bilingual Arabic and English account management financial insights and banking services for retail and corporate customers across the UAE and MENA.

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ADIB AI Assistant

Abu Dhabi Islamic Bank
Islamic banking powered by AI

Abu Dhabi Islamic Bank's AI assistant provides Sharia-compliant digital banking services in Arabic and English helping customers manage accounts financing products and Islamic investment solutions through AI-powered digital channels.

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QNB AI Assistant

Qatar National Bank
The MENA leading bank with AI intelligence

Qatar National Bank's AI assistant provides digital banking services in Arabic and English for the largest bank in the Middle East and Africa helping customers across 28 countries manage accounts and access financial services.

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Al Rajhi Bank AI

Al Rajhi Bank
The worlds largest Islamic bank with AI

Al Rajhi Bank's AI assistant provides Sharia-compliant digital banking for the world's largest Islamic bank helping customers across Saudi Arabia and the region manage accounts access Islamic financing and navigate financial services in Arabic.

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SNB AI Assistant

Saudi National Bank
Saudi Arabia's largest bank with AI intelligence

Saudi National Bank's AI assistant provides digital banking services in Arabic and English for the Kingdom's largest bank helping customers manage accounts financing and financial services across Saudi Arabia.

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Tamara AI

Tamara
The leading BNPL platform in the MENA region

Tamara's AI-powered buy now pay later platform is the leading BNPL service in the MENA region helping customers across Saudi Arabia UAE and Kuwait shop and pay in installments with intelligent spending management.

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Tabby AI

Tabby
The shopping and financial services app for the MENA region

Tabby is the MENA region's leading shopping and financial services app using AI to offer buy now pay later installment payments card products and spending management across Saudi Arabia UAE and Kuwait.

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appFreemium

Sarwa AI

Sarwa
MENA region investment and wealth management platform

Sarwa is a MENA region robo-advisor and investment platform using AI to provide automated portfolio management crypto trading and financial planning for customers in the UAE and across the Middle East.

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Wahed AI

Wahed Invest
Sharia-compliant investing powered by AI

Wahed Invest is the world's leading digital Islamic investment platform using AI to provide halal automated portfolio management including Sharia-compliant ETFs and global Islamic investing for Muslims worldwide.

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Baraka AI

Baraka
US stock investing for the MENA region

Baraka is a MENA region investment platform using AI to enable commission-free US stock investing for customers in the UAE and across the Middle East with real-time data and educational tools.

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Mamo AI

Mamo Pay
The financial super app for the UAE

Mamo Pay is a UAE-based fintech platform using AI to provide payment services expense management and BNPL solutions for individuals and businesses across the United Arab Emirates.

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appFreemium

StashAway AI

StashAway
Intelligent investing for the Middle East and Asia

StashAway is a digital wealth manager using AI-powered portfolio management to serve investors in the UAE Middle East and Southeast Asia with risk-managed investment portfolios and financial planning.

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D360 Bank AI

D360 Bank
Saudi Arabia's first digital bank

D360 Bank is Saudi Arabia's first licensed digital bank providing AI-powered banking services including accounts financing and investment products entirely through digital channels for Saudi residents.

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appFreemium

Now Money AI

Now Money
Financial inclusion for the UAE's low-income workers

Now Money is a UAE-based fintech focused on financial inclusion using AI to provide digital banking services accounts and remittances for low-income migrant workers and the unbanked population in the UAE.

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Frequently Asked Questions

What are the best fintech apps in Saudi Arabia and the UAE?

In Saudi Arabia the leading fintech apps are Tamara for BNPL, Al Rajhi and SNB digital banking, and D360 Bank for fully digital banking. In the UAE Liv. by Emirates NBD leads for lifestyle digital banking, Tabby and Tamara for BNPL, Sarwa and Baraka for investing, and NOW Money for migrant worker banking. Wahed serves Islamic investors across both markets globally.

Is buy now pay later halal in Islamic finance?

Standard BNPL platforms like Tamara and Tabby in the Gulf are structured to be Sharia-compliant by avoiding interest and generating revenue through merchant fees rather than consumer interest charges. The key distinction is that Sharia prohibits riba which is interest on money. Fee-based BNPL structures are generally considered compliant by Islamic finance scholars though customers should verify the specific structure with their own religious advisor.

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