Emirates NBD, Dubai’s government-owned bank and one of the largest banking groups in the Middle East in terms of assets, is considered as a pioneer in adopting disruptive technologies designed to transform banking operations and to offer extreme customer delight. The bank has an embedded culture to continually innovate and move to newer levels. It has made significant investments in new technologies so that its technology infrastructure is state-of-the-art and it could make major breakthroughs in digitization.