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Innovations Innovations

Innovation is the cornerstone of everything we do at Emirates Islamic.

Our aim is to transform the banking landscape through our products and services
so you can bank securely how and where you want to.

Hesham Abdulla Al Qassim

Chairman, Emirates Islamic

“The group embarked on a digital transformation journey four years ago. During COVID-19, Emirates NBD Group was able to cope seamlessly with this transition and now 98% of all transactions are digital.”

Hesham Abdulla Al Qassim

To be the most innovative Shariah-compliant bank for our customers, people, and communities.

To create opportunities to prosper.




Collaborating with thought leaders who envision the future


Taking ownership of initiatives and being a force for positive change


Embracing new ideas and implementing them effectively to drive change


Adopting an enterprising mindset by welcoming opportunities to innovate


Future Lab™

Our innovation powerhouse for FinTechs

Future Lab™ is Emirates NBD Group’s strategic think tank and testing centre dedicated to making banking future-ready. A critical part of our strategy is to establish strong partnerships with top talent and key stakeholders so we can deliver this goal.


Fintechs engaged




Proof of concepts


Accelerator engagements

Learn more and partner up with Future Lab™ >>

Innovation partners

Fostering partnerships for our future

From government organizations to FinTechs, we are trusted by some of the best partners in the world to create industry-leading solutions that benefits the communities we serve.

Difc Fintech
Plug Play

Case Studies

Innovation takes initiative

Emirates Islamic, one of the leading Islamic financial institutions in the UAE, has won the 'Best Digital Innovation in Islamic Banking' award at MEA Finance Banking Technology Summit & Awards, in recognition of its commitment to service excellence and digitization.

WhatsApp Banking

Banking is now just a chat away

We’re constantly striving to make banking easier for you. That’s why we launched WhatsApp banking service, becoming the first Islamic bank in the world to do so. This service further enhances Emirates Islamic’ s suite of digital financial products, enabling customers to conduct daily banking activities in a seamless and hassle-free manner.

WhatsApp Banking

Smart Pass

Digital Banking transactions are now easier and even more secure than ever before With Smart Pass, we took digital banking security to a new level by replacing SMS authentication codes to transact via Mobile & Online banking.

Smart Pass


Go cashless with InstaPay

We know how important your time is to you, so we do what we can to give some back to you. Transfer money in seconds to anyone within Emirates Islamic.


Tablet Banking

Emirates Islamic launched its first paper-less solution whereby branches can source current & savings account STP solution for all nationalities via tablet banking solution.Tablet Banking

ITM (Interactive teller machines)

Emirates Islamic launched ITMs to offer convenient banking and payment solutions that will allow customers to seamlessly carry out a variety of transactions such as cheque encashment, deposit, withdrawal.

Interactive teller machines

Expo 2020 Dubai

Our vision for the future of banking

At Expo 2020 Dubai, we showcased our pioneering vision for the future of global banking,
championing inclusion, sustainability, and new possibilities.

Spanning approximately 3,000 sq ft, The Future Banking space comprised five pods each
housing deeply immersive, interactive, and engaging exhibits showcasing the role that banks will
play in fulfilling a customer’s future needs, aspirations, and goals.

The innovative concept-driven exhibits enabled millions of visitors from across the globe to
experience different virtual personas and learn about cutting-edge banking initiatives that aim to
address future challenges.

Learn more >>



A testament of our commitment to service excellence

Awards 2022
Awards 2022
Awards 2022
Awards 2021
Awards 2021
Awards 2021
Awards 2021
Awards 2020
Awards 2020
Awards 2020
Awards 2020


Key Milestones


Mobile AppMobile App - the Bank’s Mobile App continued to be among the highest rated apps in the financial industry, with an outstanding rating of 4.5/5 from more than 45,000 users on the Apple App Store

tablet bankingInstant Account Opening for UAE Nationals via Tablet Banking - Since Emirates Islamic’ s goal is as part of its strategy of being the bank of choice for UAE Nationals, Emirates Islamic launched a fully straight-through processing (STP) solution to source Current and Saving Accounts for UAE Nationals via tablet banking at Emirates Islamic branches, – reducing the turn-around times from two days to 15 minutes.


PartnershipPartnership - Emirates Islamic became the First Islamic bank in the region to partner with Huawei to launch Emirates Islamic app in Huawei App


ITMFirst Teller-Less Branch (Interactive Teller Machine)- First teller-less branch was launched in Mirdif City Centre Branch with interactive teller machines

WhatsApp bankingWhatsApp banking - Emirates Islamic
was the First Islamic bank in the world to launch WhatsApp chat-banking

Currency ConverterDynamic Currency Converter – Emirates Islamic became UAE’s First Islamic bank to offer dynamic currency conversion for
Visa Card


Mobile bankingApp Demo feature on mobile banking -
Emirates Islamic launched the first demo feature in the region, whereby before registration/login on the mobile app customer can simulate the features available on the app