Account will be opened for accumulating the value of business brand as in Intellectual Property Object. For account owner will be free such services as registration of IP-objects, preparation pf strategy for IP-monetization, legal protection and law enforcement in case of violating IP-rights.
يعتمد هاذ المنتج على آلية تمويل السفر و لكن بملغ أقل ( يبدأ من 5000 درهم ) و لمدة زمنية أقل ( تبدا من 3 أشهر و تصل حتى 48 شهر ) برسوم إدارية تعتمد على المبلغ المطلوب ( 3% أو 200 درهم أيهما أكثر)
5 or more friends combine an equal contribution for 5 or more months with each member of the group getting the lump sum contribution on a pre-set time for each month. For example, friends A,B,C,D and E combine to create a ballot committee worth 5000 AED payable in equal contribution of 1000 each for 5 months. Each member of the group agrees when one would receive the total contribution (5000 combined monthly from 1000 equal contributions). After one member receives their contribution, they continue paying their share of 1000 for each of the remaining months until all members have paid and received their agreed contribution.
Concept of ballot committee is very popular in South Asia, especially amongst women and has been ranked one of the top 3 channels of personal savings.
Banks often offer a job loss protection to customers when they take finance/borrow. In case of lob loss, the bank gets upto 6 months of payment protection whereby the customer's burden of settling his debt for upto 6 months is taken over by an underwriter. Additional to this could be a Loss of income support, where the same underwriter for a small premium for the duration of the finance can make a small contribution of the monthly salary (say upto 50% of basic pay) for upto 6 months. that way, the customer has some income coming in for 6 months while he looks for a job.
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!