Buy the latest mobile device with an easy installment plan or basically get a limit of say AED 10,000 to buy a device and pay back in 12-24 months and renew the limit again for a new device purchase.
An option to be able to round up any transaction to the nearest AED which will activate once the transaction has taken place. The account would transfer the difference into a savings account making it easier for you to budget and saving a little each time. For example i spend 100.25 AED at a store, the account then transfers 75 fils into a savings account.
A digital wallets integrated with Apple or Samsung Pay, where your bank cards (Debit, Credit, Prepaid) are all stored and you can simply pay with your digital wallet app by selecting which card you want to pay from. What would be even more cool would be if the app/digiral wallet can identify which card/bank stored in the wallet gives you best value (cashback, airmiles, points, discount) and you can either select to pay from that or over-ride the suggestion and pay with another card linked to the app.
Primary account holder can issue upto 8 supplementary debit cards, that can be limited to spends/currency sets. useful for budgeting with spouse, kids, parents back home...
Wages card can be introduced for low scale workers.
1. Salaries can be tracked by the UAE goverment to confirm if the worker is getting salary as per contract
2. Bank will get more clients
3. Instant wages kit for new boarding without visiting branch
4. Low scale workers will be benfitted with digital platform
Can we offer a financing for students in college for them to payoff once they leave college and get in to work life?
Some really smart kids these days have a potential for earning a high income once they leave college but are sometimes limited by financial resources. We could have a minimum SAT / O'levels score requirement along with minimum GPA score requirements to fund each semester. That should keep the kids motivated to work / study harder!
The UAE government is encouraging Emiratis to get into the agricultural business as part of its food security plans (e.g. free water for sustainable farming projects: http://www.gulftoday.ae/portal/f62eebf8-ec97-4bf4-9a73-6430e815bc84.aspx).
In the restaurant business, we have seen 2 or 3 farm-to-table concepts spring up in Dubai.
What if farmers could get crop & livestock Takaful insurance ? I beleive this has evolved in Europe to a point where animals have sensors on them and their vitals decide premiums :)
This would definitely benefit Emirati farmers in Al Ain ,etc.
I would like to suggest a medical takaful insurance plan that I can buy here and cover health insurance for my folks back home.
Investing with a trustworthy bank like ADIB would give me peace of mind in addition to the fact that I don't have to go back to my home country (Pakistan) and run around to get medical insurance for my parents .
a multi currency expat banking account that allows you free transfers to a single country with preferred exchange rates