Dubai, UAE


Payments | Banking | Lending | Loyalty | Insurance

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Embedded Finance Mena Agenda

08:00 – 08:30

Registration & Welcome Refreshments

08:30 – 08:40

Chairperson’s Welcome Address

08:40 – 09:00

Keynote Address

09:00 – 09:40

Panel Discussion: Spotlight Session: Embedded Finance: Powering the Global Digital Economy


Christian Kunz

Head of Group Strategy and Innovation, Dubai International Financial Centre (DIFC), UAE

Vikrant Bhansali

CEO, United Bank for Africa Plc, UAE

Khaled AlBasias

Director, Financial Sector Development, Saudi Central Bank (SAMA), KSA

  • How Embedded Finance will enable greater access to, and realization of, more diversified economic growth – in line with the UAE’s vision for greater diversification
  • Establishing the MENA region as a leader in Embedded Finance entrepreneurship and innovation ecosystems – accelerating economic visions
  • Embedded Finance through the stakeholder’s lens
  • Best practice and key lessons from advanced global markets

09:40 – 10:00

Special Keynote:

The Next Evolution of Banking: Platform Banking

Jayesh Patel


10:00 – 10:40

Panel Session: Designing and Implementing a Successful Embedded Finance Strategy – Where to Start and How to Win


Nour Sabri

Lead Client Partner, BaaS, Finastra, UAE


Miguel Calello

Head of Finance, Chalhoub Group, UAE

  • Engaging Embedded Finance in a meaningful way – Starting with a “Customer-First” approach
  • Identifying and setting up the strategy of the Embedders and use case prioritization to achieve business goals – improving customer experience, growing existing customer bases and launching new ventures to create more brand power and profitability
  • Developing a bespoke solution design and a winning business case highlighting the benefits and cost components for strategic growth outcomes

10:40 – 11:00

Morning Coffee and Refreshment Break

11:00 – 11:40

Panel Session: How Data Collaboration is Steering the Way for Progressive Finance & Economic Growth: Moving Towards Greater Financial Inclusion


Abe Karar

Chief Product & Strategy Officer, Fintech Galaxy, UAE

  • Harnessing the full potential of Open Banking/Finance and Open Data: Leveraging AI-driven product selection
  • Introducing innovative Open Banking/Finance and data use cases across the customer life-cycle
  • Maximizing Banking-as-a-Service (BaaS) to introduce integrated product and service offerings for businesses and consumers

11:40 – 12:20

Panel Session: Payments Transformation in a Hyper-Growth MENA Market: Creating New Layers of Convenient, Personalized and Intuitive Customer Experiences


Madiha Sattar

Vice President, Careem Pay, UAE

Alessandro Masaro

Senior Vice President Strategy and Corporate Development, STARZPLAYS, UAE

Vivek Vaidyanathan

Treasury & Trade Solutions Head, Citi, UAE

  • Embedded payments: A critical CX strategy for financing and digital payment processing – enabling seamless integration into the ecommerce journey
  • Innovating with better and faster payment platforms:
  • - demand for instant, frictionless payments
  • - formula for customer success
  • - paving the way for financial inclusion and purpose
  • Looking for alternate payment methods to best serve MENA’s diverse landscape

12:20 – 12:40

Afternoon Coffee and Refreshment Break

12:40 – 13:20

Spotlight Session: Innovations Shaping the Embedded Finance Landscape: Building and Delivering New Value Propositions


Shafika Nadjat Houcine

Director Consumer Digital Services International, e&, UAE

Imad Hammad

Founder & CEO,, UAE & KSA

  • Turning brands into one-stop shops – will Super Apps rule the market?
  • BNPL: Accelerated adoption and transforming Customer Experience (CX)
  • The future of biometrics in payments
  • Digital Wallets – setting the stage for a cashless economy
  • Digitizing asset backed lending - Accessing the untapped P2P market

13:20 – 14:00

Spotlight Session: Attracting Significant Funding from Venture Capital and Growth Equity


Ryaan Sharif

General Manager, Flat6Labs, UAE

  • Flourishing opportunities in investing with an increasing amount of growth rounds
  • Boosting MENA’s global competitive and attractiveness as an investment destination of choice
  • Uptick in the Middle East in investment inflows to the Embedded Finance sector
  • Embedded Finance – generating a new wave of soonicorns and unicorns in MENA

14:00 – 15:00

Networking Lunch and End of Day One

08:00 – 08:30

Welcome Refreshments

08:30 – 08:40

Chairperson’s Welcome Address

8:40 – 9:20

Panel Discussion: Embedded Loyalty – A Key Differentiator for Businesses to Generate Improved Revenues


Ahmed Gaber

CEO, The Entertainer, UAE

Rahul Ashokkumar Kucheria

Vice President Loyalty & Payments, ADNOC Distribution, UAE

  • Embedded Loyalty Programs – keeping customers happy
  • Saying goodbye to easy-to-lose loyalty cards and hello to loyalty programs and linking loyalty rewards to payment cards
  • Improving your product’s stickiness and enhancing the customer experience and loyalty to your brand
  • Using digital payments to gain market share, competitiveness and evolving the product proposition

9:20 – 10:00

Panel Session: Embedded Lending: The Future of Lending in Emerging Markets


Harshal Sharma

General Manager - Growth Strategy, Swiggy, India

  • Building scalable infrastructure and strategic partnerships for sustainable Embedded Lending
  • Using AI technology in the lending world – are you ready?
  • Managing the stakeholder’s requirements – having all regulatory and risks covered
  • Channelling capital to businesses and individuals by successfully integrating and creating access to data and driving credit underwriting mechanisms

10:00 – 10:40

Panel Session: Buy Now Pay Later (BNPL): A Dynamic New Disruptor in MENA


Abdulmajeed Alsukhan

Co- Founder & CEO, Tamara, UAE & KSA

  • BNPL’s steep adoption curve – will this translate into higher order value and offer customers increased convenience and flexibility?
  • Opening a new window of opportunities – risks and rewards

10:40 – 11:00

Morning Coffee and Refreshment Break

11:00 – 11:40

Fireside Chat: Harnessing the Potential of Partnerships: Driving MENA’s Global Competitiveness


Faraz Khalid

CEO, Noon, UAE

Kelvin Tan

Global Lead, Standard Chartered Nexus, Singapore

  • Fuelling growth through cooperation and partnerships as the best path forward for shared prosperity
  • Collaboration between private and government efforts and strategic global partnerships – the inevitable road ahead
  • Targeting the untapped opportunities for Embedded Finance to improve the customer’s financial experience

11:40 – 12:20

Fireside Chat: Scaling-Up: Empowering SME’s and Start Ups to Unlock Global Growth


Ahmad Coucha

CEO, FlapKap, UAE

Abid Shakeel

Chief Advisor, Saudi Central Bank (SAMA), KSA

  • Tapping into the potential of the SME market
  • Delivering integrated payments for small and medium business to boost engagement
  • Revenue based financing – leveraging Embedded Finance to advance new revenue growth and taking SME businesses to the next level
  • Enabling MENA’s SMEs to go global and access new cross-border customers
  • Case Study – the Integration of Financial Services into an SME Daily Operations

12:20 – 13:00

Embedded B2B Finance: Gaining Competitive Edge through Innovation

  • ‘Consumerizing’ B2B payment and check out processes – is this the future?
  • Recognizing Embedded Finance’s integral role in the future of B2B marketplaces
  • Creating unique checkout experiences for business customers to solving complex processes around payment collection, reconciliation, taxation and accounting
  • Highlighting and managing the risk factors such as business servicing capacity, shareholder control, bespoke pricing, industry and loaning risks

13:00 – 13:20

Afternoon Coffee and Refreshment Break

13:20 – 14:00

Panel Discussion: Embedded Insurance: Building Access to New Markets and Opportunities – A Game Changer


Neeraj Gupta

CEO, Policybazaar.AE, UAE

  • Steering the future towards an Embedded Insurtech – can Insurance-as-a-Service revamp your offerings?
  • Capitalizing on technology to increase the growth of the embedded insurance market by integrating insurance as a strategic value proposition
  • Strategic Embedded Insurance partnerships – minimizing the cost of acquiring new customers
  • Understanding the opportunities and trends investors see in embedded and open insurance – reaping long term growth outcomes

14:00 – 14:20

The Road Ahead: Embedded Finance and BaaS Predictions in 2023 and Beyond

  • Macro growth potential for Embedded Finance in MENA
  • Advancing the integration of FinTechs into banking strategies to meet the customer expectations
  • Creating long-standing partnerships with FinTechs and shaping value propositions to deliver a tangible impact on customer experiences
  • Building harmonized regulation across several Middle East governments and regulatory landscapes – paving the way for seamless financial institutions onboarding and fostering their growth

14:20 – 15:20

Networking Lunch and End of Day Two