ADCB: Digital Transformation Builds Trust and Drives Sustainable Growth in Egypt

Mourad Kassem, Head of Digital Transformation at Abu Dhabi Commercial Bank (ADCB), shared that ever since the bank entered the Egyptian market in 2020, it adopted a clear digital transformation strategy. He emphasized that this wasn't just a reaction to market changes; it was a well-planned vision aimed at earning the trust of customers and investors and strengthening the bank's position in the market. Kassem added, during his participation in the first session titled "Digital Transformation and FinTech: New Horizons for Banking Financial Transactions and Investment in Capital Markets" at the Al-Ahram Fintech & Finance 2026 conference, held under the patronage of the Egyptian Cabinet and the Central Bank of Egypt, that the parent group in the UAE is considered a global leader in digital transformation. This leadership has clearly influenced the bank's operational philosophy in Egypt right from the start. Kassem explained that ADCB's strategy focuses on putting the customer at the heart of all operations, making them the core of the banking service experience. Efforts have concentrated on developing and delivering all services within a fully integrated digital model, showcasing the bank's commitment to providing innovative and user-friendly solutions. He pointed out that ADCB was one of the first banks in Egypt to make about 95% of its banking services available through its mobile app and online banking. This has positively impacted business results and significantly boosted customer satisfaction. Kassem also confirmed that the bank has achieved sustainable growth for six consecutive years across various financial statements. He stressed that focusing on developing secure, fast, and round-the-clock digital services has greatly helped build customer trust and made interacting with the bank a much more flexible and efficient experience.