What is PropTech?

Introducing PropTech

PropTech (Property Technology) is the name given to technological innovations that are developed for and implemented within the property industry.

At the same time, PropTech refers to the industry, or movement, that the innovation comes out of;  The PropTech Industry.

In any discussion about PropTech, one must focus on both the outcome, PropTech, and the cause, the Digital Transformation of the built environment. One will not exist without the other.

The PropTech Industry has been driving huge change and deep discussion over the last few years, bringing together an audience of like minded people to better advance the best practices of the property industry.

But PropTech is just one aspect of the Digital Transformation, the global adoption of technology, a force with a far larger agenda than simply property.

The Digital Transformation is affecting every industry on the planet; as such, it affects the vast majority of individuals too. The role that the PropTech community is playing, and must continue to do so, is to represent the property industry’s interests during this period of Digital Transformation

To do so, it must succeed in educating the wider property industry as to the importance of facing their digital future, whilst simultaneously protecting the industry and its customers from any potential harmful disruption coming from the world of tech, only allowing the best and most genuinely helpful innovations to enter the market.

In the context of a fire, PropTech is the accelerant needed to spark the flames, but the Digital Transformation is the embers that keep it burning through the night.

Asked to define PropTech at a recent conference I came up with a small statement which, after much consideration with a fellow panelist Professor Andrew Baum, author of the PropTech 3.0 report, we decided on the following:

Defining PropTech

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PropTech is one small part of the wider digital transformation of the property industry. It describes a movement driving a mentality change with the real estate industry and its consumers regarding technology-driven innovation in the data assembly, transaction, and design of buildings. – Baum & Dearsley, 2017.

Because the term ‘PropTech’ is so wide reaching; a movement, a gathering, and a noun, it’s important to analyse this definition closely to offer a truly comprehensive answer to; what is PropTech?

PropTech is one part of Digital Transformation

PropTech is not the only industry contributing to the digital modernisation of the property industry. Rather, it is just one small part of the Digital Transformation which is literally and simply defined as “the change associated with the application of digital technology[1]”.

As such, if property professionals want to remain knowledgeable about the current and future state of the industry and the innovations that are going to disrupt the traditional way of doing things, they must take in a much broader picture than just PropTech.

Professionals must, for example, be aware of innovation and progress happening in robotics, virtual reality, artificial intelligence, autonomous vehicles, and the Internet of Things (IoT). All of these industries, plus many more, will, without question, have an affect on the property industry.

It is only by understanding both these more futuristic notions of the property market and those, more immediate aspects of technological change; mobile website optimisation and CRM systems being two examples, that you can truly understand Digital Transformation.

The Digital Transformation is a process of change, one which is neither simple nor quick. It’s a process that often occurs over a  5-10 year period and drives change in many core pillars of an organisation’s structure.

The three most common targets for change are mentality, culture, and operating systems. Arguably, it is the mentality of industry professionals that is most in need of immediate disruption; at the same time, it is also the most difficult change to implement.

PropTech is a Mentality Change

Vitally important to understanding what PropTech is, is to see it not only as a technological movement, but as an entire mentality change.

The advancement of the property industry, in this age of the digital revolution, requires not only industry professionals but also the general public to change the way they think about property’s best practices.

Consumers are now used to digitised businesses. On the whole, they are comfortable with online processes and procedures, often shunning traditional, more stunted systems in favour of fluent and efficient technological ones.

As proof of this, one only needs to glance at the world of payment services. The rise of, and acceptance of, chip and pin, and contactless, has been incredibly fast. Consumers want ease and fluidity, but they also want trust. Whilst, for the finance and banking industries, this move must have required a huge mentality change, they did a good job of acting quickly and ensuring that consumer trust for new methods was won quickly and smoothly.

Whilst the act of buying or letting properties is far more complex than, for example, tapping a card to buy coffee,  the process of reaching the final act is slow and laborious. The property industry needs to make make the process as seamless and secure as possible. This is what the modern consumer demands.

Property is often considered an industry stuck in time. Best practices have long been the same; why change it now? has often been the attitude.  However, not only does this attitude cause problems for new startups in the sector, constantly butting heads with archaic mentalities, but it also results in inefficiencies running throughout the sector.

Another issues that this leaves the property industry with is, how does one attract the best technological talent to a sector that is seen as so old fashioned? Where systems are built on old platforms and Excel spreadsheets still dominate?

PropTech is about Innovation; both Endogenous and Exogenous

As stated by Professor Baum in PropTech 3.0[2], PropTech is is both endogenous and exogenous.

  • Endogenous

Endogenous technology is that which comes from within the property industry. For the most part, the technology that we have seen in property so far has been endogenous.

Such technology tends to focus on the streamlining of the property industry’s workflow and best practices. Common examples are property listings (Zoopla, Rightmove), online estate agents (Purplebricks and eMoov), and various software packages that are there to increase efficiencies in already existing processes.

For the next few years, most of property’s innovation will be endogenous. They will be created mainly by property people to help property people.

  • Exogenous

Exogenous technology is that which comes from outside of, but still takes effect on, the property industry and possibly offers the most risk to the industry.

Examples include Virtual Reality, which will completely change the way that properties are marketed and designed, and Artificial Intelligence, which will disrupt the way we understand and interpret our data and how the built environment works from day to day – which parts of the building are wasting energy, which rooms are going unused, and how best to increase potential returns on investments.

Data is said to be the new oil but if you consider the amount of data coming out of our buildings as the mass of sensors takes over. A system will be required to monitor all data, interpret the results and then instigate necessary changes. AI has the possibility to do all this and will be built be people not necessarily positioned in the property sector but whom will hold tremendous power over the sector.

Applications of Exogenous technology are so vast that they warrant an article, or rather articles, of their own.

It is expected that exogenous technology will really start to disrupt the property industry in the longer term, but that won’t make their arrival any less disruptive. In fact, exogenous technology very much sits in the boat of Amara’s law; we overestimate change in the short term but underestimate its impact in the longer term.

PropTech is about buildings and cities

With a combined asset value of $217 trillion[3] the property market and the potential for innovation within it is huge.

It is often considered on a much smaller level i.e. consideration of a single PropTech company impacting a single small aspect of the property process. This is particularly the case on more endogenous technologies.

Looking at a single home or building in isolation is by no means wrong, but the combined impact of all singular assets together is something more exciting; greater than the sum of its parts.

Most of the smaller projects in PropTech are often viewed on a private interest level, singular buildings or developments, for example.  But it’s when we move on from thinking about buildings and start thinking about city-wide transformation that things get really interesting. However,  the globe is currently battling a huge urbanisation challenge.

The proportion of the global population living in cities as opposed to the countryside exceeded the 50% threshold in 2008 and, by the 2030s, it is estimated five of the World’s eight to nine billion people will live in cities, many of them in slums[4]. This means there is a governmental agenda to deal with PropTech on a city level.

This is important for many reasons, but fundamentally it suggests that funding will be made available and that the attitude of looking at technology as a means to aid city development is going to be pivotal. It is at the top of government agenda and therefore PropTech needs to be taking advantage of that and delivering the innovations that will drive the required change.

In conclusion; PropTech is people.

The end goal of PropTech is to best prepare the property industry for the digital future and then maintain its prosperity thereafter.

But, because the property industry is very much a people-first industry, PropTech must do more than simply innovate and disrupt. It must understand its role in the broader picture, it must educate and mediate, it must listen to the needs of professionals and consumers, it must not disrupt for the sake of disruption. It must aid private businesses to run more efficiently, with greater returns, whilst simultaneously working to address and solve current societal issues such as sustainability and affordable housing.

PropTech will, once technology is fully accepted and implemented, become known simply as ‘property’. The two will no longer need different titles because technology will be the norm rather than the new.

To reach that point, and this might be the most important fact of all, PropTech must show to the world that it is not a rival to the property industry, but rather a set of tools designed to help the industry, and those who work within in, perform to the highest possible standard.

PropTech is not the replacement of humans with machines; it is the utilisation of modern technology to enhance the abilities, speed, and efficiency of those who sell, buy, maintain, manage, work within, live within and make their living from property.

And because so much of our world and quality of life revolves around the built environment, PropTech has a responsibility to wield its considerable power thoughtfully and compassionately, for PropTech not only carries the responsibility of strengthening the property industry, but it is also a vital component for making the the world a better, safer, and more prosperous place for all.

[1] “Digital transformation – Wikipedia.” https://en.wikipedia.org/wiki/Digital_transformation. Accessed 14 Nov. 2017.

[2] PropTech 3.0: The future of Real Estate,  Professor Andrew Baum & The University of Oxford https://www.sbs.ox.ac.uk/sites/default/files/Press_Office/Images/proptechreport/PropTech%203%20-%20The%20Future%20of%20Real%20Estate.pdf 

[3] “Savills World Research: How Much Is The World Worth?.” 24 Apr. 2017, http://www.mcguire.com/blog/2017/04/savills-world-worth/. Accessed 15 Nov. 2017.

[4] “World Urbanization Prospects – the United Nations.” https://esa.un.org/unpd/wup/publications/files/wup2014-highlights.pdf. Accessed 15 Nov. 2017.

This article is written by James Dearsley, Founder, PropTech Consult. He is a keynote speaker at PropTech Middle East 2018, being held on 29-30 October 2018, at Sofitel Dubai The Palm Resort & Spa, UAE.

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Dialling up Speed, Growth, efficiency in Lending

In common with other industries, banking customers are increasingly making mobile their preferred mode of banking. According to EY’s GCC Digital Banking Report, the future of retail banking in the Gulf countries is a smartphone experience that delights and up to 64% of GCC customers would feel comfortable switching to a digital-first bank, with less reliance on branch network. In their Mobile banking report, KPMG states that mobile is already the largest banking channel for the majority of global banks by volume of transactions and by 2019, the number of mobile banking users is expected to double, reaching 1.8 billion people.

Innovative, useful and customer-centric mobile services will be key criteria when consumers choose their banking partner and banks must leverage the power of mobile in lending. Go through this infographic on “Dialling up speed, growth and efficiency in Lending” to know about the key market trends in mobile based lending, customer preferences and how lenders can transform their businesses to capitalize on the opportunity.

Nucleus Software will be showcasing its solutions at the upcoming Middle East Banking Innovation Summit 2017 being held on 18-19 September at Sofitel Dubai The Palm Resort & Spa.

NucleusSoftware_Lending Mobility Infographic

Smart Cities, Sustainable Cities: The Future of Urban Development in Qatar

One of the most important aspects of sustainable design is its ability to adopt a multilayered understanding of the needs of communities, sites and the environment to propose integrated solutions that not only address short and long term environmental and economic benefits but could provide opportunities to enhance social and cultural aspects of the development. Over the past few years, this has extended beyond the scale of buildings well into the public realm to include sustainable urban development strategies, infrastructure design and smart city solutions.

The reasons for creating more sustainable design solutions to minimize the environmental impact of cities are no longer questionable. The main issues facing designers and developers now are how to find the most suitable, smart city solutions that balance client needs, project budgets and the environmental design challenges and opportunities that arise from a project’s context. This is why creating sustainable urban environments will be a continuous endeavor that the Middle East will be experiencing over the coming years.

Fueled by an economic boom that adds pressure on available resources, Qatar, like other countries in the region, is at a crossroads to rethink its approach to urban planning and design to create more sustainable built environments on a macro level and redefine the impact of its future cities. Many steps have already been taken as part of the country’s ongoing efforts to realize the goals of the Qatar National Vision 2030, where the country is witnessing a number of large-scale development projects set to the highest local and international sustainability standards. Over the coming years, it is crucial to continue down this path by providing the necessary tools to ensure that targets are met. The integrated efforts of all stakeholders will not only ensure that goals are realized but set on a continuous path of sustainable development.

–  by Rashed Al Nasa’a, Senior Sustainability Consultant, LEED AP BD+C, WELL AP, GSAS CGP, PQP, Arab Engineering Bureau

QGBC’S Vision For Creating A Smart And Healthy City

Qatar is currently witnessing unprecedented urban development, from the establishment of Lusail City and the development of downtown Doha, to the inception of numerous infrastructure projects, the need to incorporate smart technologies in city planning in an effort to move towards establishing a healthy city is becoming vital.

Retrofitting Doha to become a truly smart city requires the development of a comprehensive long-term strategy with active participation from all the relevant stakeholders in the public and private sectors. In Doha’s context, a smart city will fully support healthy living in all aspects including water and energy conservation, healthy air quality, increased community interaction and active lifestyle. The use of state-of-the-art technologies, such as smart water management system, intelligent and automated air, noise and waste management systems, and real-time communication mechanisms, will eventually help Doha move closer to realizing its vision of a smart and healthy city.

In an effort to conceptualize the development of a smart and healthy city amidst the ongoing infrastructural development, experts at Qatar Green Building Council (QGBC), last year devised a comprehensive guide ‘Doha: A Rough Guide to Healthy Cities’.  The Guide, http://qatargbc.org/interest-groups/green-infrastructure, tackles the issue of the environmental health of urban areas which is becoming increasingly important to the world’s population as a majority of people are shifting towards inner cities.

Highlighting the benefits of planning and designing a healthy city, the non-technical infographic provides design and planning professionals, senior school students and advocates of sustainable development, with interesting guidelines on how to create a healthy city.

The key for QGBC and relevant stakeholders is to foster education around this subject to help create behavioural change in the process. This infographic is a starting point for such practices, which need to be further highlighted through national dialogues, the likes of Arab Future Cities Summit, the Qatar Green Building Conference, and the Qatar Sustainability Week.  Such efforts will foster the development of green infrastructure as a national resource capable of delivering a wide range of environmental, economic and social benefits.

by Meshal Al Shamari, Director – QGBC

4 Ground-breaking Use Cases of Smart Data using HPC

High Performance Computing has primarily been applied within scientific research, the financial world and relatively recently also to forecast the weather. The financial services industry was the first commercial industry to adopt HPC. Nowadays you will find the most advanced HPC systems trading stocks in nano-seconds and generating massive amounts of money for their owners.

Banks have used HPC for pricing exotic financial instruments, optimizing their portfolios of mortgage-backed securities and managing firm-wide global credit and debit risks.  But there are more use cases for HPC in combination with Smart Data:

Fraud Detection

Fraud detection is an extremely important area for the financial industry. Millions of dollars could be saved if suspicious transactions are stopped before they occur. To do this, millions of transactions across the globe should be analysed in real time. The problem is that algorithms will need to find unknown patterns within that data, which could indicate a fraudulent transaction.

It requires not only analysing millions of transaction, but also many other data sources that offer the right context for a certain transaction. For example, is a certain credit card transaction valid or not. That not only depends on the transaction itself, but also for example on the location or the moment of the transaction.

One company that deals with these volumes is PayPal. On a daily basis, they deal with 10+ million logins, 13 million transactions and 300 variables that are calculated per event to find a potential fraudulent transaction. Thanks to High Performance Data Analytics, PayPal saved in their first year of production over $700 million in fraudulent transactions that they would not have detected previously.

Personalized Medicines and Drug Discovery

Already I mentioned the possibilities of personalized medicines and how it requires HPC. Although personalized medicines might still be quite far away, the pharmaceutical industry is already using High Performance Computing for drug design and discovery.

Drug design and discovery is a tedious process. It can easily require several years or longer before a drug hits the market. This is due to rigorous testing in labs on animals and later humans before it is made available to the masses.

High Performance Computing in combination with Big Data enables the pharmaceutical industry to find, for example, the right proteins for a certain drug among millions of compounds. This can be done thanks to simulation analysis and testing a plethora of varieties on thousands of different virtual patients. Thus, drug discovery can be reduced with multiple years, eventually saving a lot of lives.

Smart Energy Grids

Smart energy grids might still be long away; already multiple energy companies are experimenting with the possibilities of a smart energy grid. The potential of a truly smart energy grid is tremendous; reduced energy consumption, better and safer electrical grids and a safer and cleaner environment. Thanks to HPC, smart energy grids are becoming a reality.

A smart energy grid deals with massive amounts of data from a wide variety of sources, all located in a highly disperse network. Imagine if every household would have a truly smart energy meter and at every single moment in time, it is measured how much energy they use, from which devices, for how long and at what price. Multiplied by millions of households, we are easily talking exabytes of data that need to be analysed in real-time to determine whether someone is allowed or not to charge his/her electrical car. That can only be done using a HPC infrastructure and a High-Performance Data Analytics environment.

Manufacturing Simulation Analysis

From the beginning, HPC has been involved in the modelling and simulation of complex physical and quasi-physical systems. Modelling and simulation analysis enables an organization to gain a better understanding of a certain project, without the need to actual test the product in real-life. Thanks to this approach for example, Tesla was able to have the early edition of the Tesla Roadster pass dozens of tests, without the need for dozens of cars that could be crashed (as is traditionally done in the automotive industry).

What Tesla did during developing the Tesla Roadster has become common practice for Tesla. But also in other industry, simulation analysis can save companies a lot of money when developing new products. Thousands of iterations can quickly be tested taking into account hundreds of different variables. Based on the outcome of each simulation, the eventual product is improved. High Performance Computing is required to perform these millions of simulations, at least if you want to get it done relatively quickly.

Other Industries

Of course, these four industries are just the beginning of what is possible. Basically, any organization that wants to make serious business from Big Data could use HPC and HPDA.

Other industries that are already using High Performance Computing are among other the Space industry, Engineering (Oil and Gas) industry, Defence, Publishing industry, governments (think the NSA) and of course academia. In the years to come, this list will probably become a lot longer.

Author: Mark van Rijmenam

Mark van Rijmenam is Founder of Datafloq. He is a highly sought-after international public speaker, a Big Data strategist and author of the best-selling book Think Bigger – Developing a Successful Big Data Strategy for Your Business. He is named a global top 10 Big Data influencer. Currently, he also pursues a PhD at University of Technology, Sydney on how organizations should deal with Big Data, Blockchain and (Human) AI.

5th edition of the Arab Future Cities Summit Qatar rolls out in April 2016

Ribbon cutting ceremony of the Arab Future Cities Summit Qatar 2015 edition

  • The Summit will be held on 11-12 April 2016 at The Ritz-Carlton Hotel, Doha
  • With sustainable urban development as the main theme, the summit will focus on the various facets of smart city development

Doha, Qatar, October 19, 2015: The Arab Future Cities Summit Qatar, today announced the 2016 edition of its marquee event featuring regional and international industry experts, senior government officials and sector specialists will be held on 11-12 April at The Ritz-Carlton Hotel, Doha. Organized by global conference producers, Expotrade, the summit is considered as the premier smart cities event in the region, connecting over 400 participants from across the GCC with prominent thought leaders from around the world. The summit aims to discuss path-breaking ideas, and explore how technology can be leveraged within the smart city infrastructure to create sustainable solutions.

The 2015 edition of the summit was inaugurated by Eng. Abdulla Abdulaziz T. Al Subaie, Managing Director, Qatar Rail, in the presence of esteemed dignitaries including Hamad Ibrahim al-Bishri, deputy CEO of Qatar Rail; Dr. Rainer Schnepfleitner, department manager, Regulation and Competition Affairs, Communications Regulatory Authority (CRA); Ashraf Ali Ismael, national information assurance manager, Cyber Security Division, (Q-CERT), ICTQatar; Dr. Fethi Filali, head of technology development and applied research, Qatar Mobility Innovations Centre and Ahmad Kawakbi, ICT & Stakeholder Manager, Supreme Committee for Delivery & Legacy – FIFA World Cup Qatar who also spoke at the summit.

Developing a robust smart city ecosystem involves seamless integration, synergy and connectivity of the central pillars that constitute a city – public transport, governance operations, infrastructure, utilities, healthcare, communications, and municipal services. In accordance with Qatar’s National Vision 2030, the government has ushered in a new phase of development, incorporating smart technology, state-of-the-art infrastructure and services to provide its citizens a smart, sustainable and efficient future that ensures an improved quality of life. Additionally, hosting the FIFA World Cup 2022 has presented a gamut of growth opportunities and further propelled the concept of smart cities in this region.

Announcing the dates of the Summit, Mr. Brad Hariharan, Regional Director, Expotrade Middle East, said, “In its fifth year now, the Summit has established itself as the foremost smart cities event in the region. Setting the benchmark in promoting innovation and identifying emerging trends impacting this region, the summit presents a common platform for all stakeholders to innovate, educate and collaborate to generate ideas on making the concept of smart cities a reality. Over two days, leading experts and practitioners from across industries will share their expertise and knowledge on harnessing technological innovations and defining effective strategies to boost smart city initiatives in the region.”

The two-day conference agenda covers a broad range of forward-thinking topics such as smart connectivity, smart mobility and transportation, Internet of Everything (IoE), economical and sustainable smart vehicles, building automation, Lusail city’s innovations, cyber security amongst many more, that provide a comprehensive view of the smart city development in the State of Qatar.

Over 20 speakers and industry visionaries will unveil their views on how smart city development and technology deployment will meet Qatar’s smart city vision. Keynote sessions, panel discussions and case study presentations at the Arab Future Cities Summit Qatar will provide attendees with an opportunity to gain in-depth knowledge on the latest smart city technologies and solutions influencing the smart city domain in the region.

With a plethora of networking opportunities, the summit will witness participation from technologists, developers, urban planners and researchers, investors, engineers and policy professionals from across the GCC.

The 2015 edition of the summit was a runaway success and in the forthcoming year the summit is expected to be bigger before than before. The summit received appreciation from attendees and sponsors alike. Mr. Mohannad Khader, Vice President – Commercial, Qatar Cool, said, “Every year when we come here, we listen to new ideas, we get to know more people and great strategies from other well- reputed companies. It has been valuable for sure.

Safder Nazir, Regional Vice President, Smart Cities & IoT, Huawei, said, “We are glad to be back here at the Arab Future Cities in Doha. We find a very well-attended event with a high quality of guests here. We have been able to interact with a lot of people and share our vision and thought for the future of smart city development not only within Doha and Qatar but across the region as well.”

More information on the Arab Future Cities Summit Qatar is available now at http://www.arabfuturecities.com/. Follow the Summit on social media with the hashtag #AFCS2016.

5th Annual Middle East Banking Innovation Summit Starts Tomorrow

Keynote session in progress at the Middle East Banking Innovation Summit 2014

Keynote session in progress at the Middle East Banking Innovation Summit 2014

Dubai, September 13, 2015: The stage is set for the 5th Annual Middle East Banking Innovation Summit 2015, the largest banking technology summit in the region, with Visa as the Title sponsor. The summit draws together the who’s who of this industry for intense discussions on ideas, trends and innovations that is driving the Middle East region’s banking industry. Over 450 participants from across the GCC are expected to attend the two-day summit that is set to begin tomorrow at Sofitel, The Palm Resort & Spa in Dubai. With the core agenda to discuss and influence the growth of the banking technology landscape in the region, the summit will bring together global perspectives that will shape the industry.

The day 1 session of the summit will begin with Mr. Nilanjan Ray, Managing Director – Global Consumer Banking, NBAD’s address on Trending Themes on Innovation: Where do Banks Stand?, that will be followed by a series of sessions and a panel discussion on Smart Payments Strategy that will involve Amru Kotb, Senior Vice President – MEA, Cryptomathic; Dr. Haroun Dharsey, SVP- Head of Technology & Projects, Dubai Islamic Bank; Ehsaan Ahmed, Head of GTS and Corporate Strategy, Noor Bank; Gary Collins, Head Mobile Banking, Westpac Pacific and Jassim Al Tamimi, Head of Payment Solutions & Business Innovation, Commercial Bank of Dubai.

The day 2 session begins with Pedro Cardoso, Head of Multichannel and CRM, Emirates NBD focusing on UAE’s Success in Digital Payments. The panel discussion, sponsored by Visa will focus on Today’s Smart City: How Digital Payment is Displacing Cash in the Real and Virtual World, involving panelists Hadi Raad, Head of Emerging Payments & Innovation for Central & Eastern Europe, Middle East & Africa (CEMEA), Visa; Paresh Buch, Regional Finance Manager, Spinney’s; R. Sivaram, SVP – Head of Retail Assets and Cards Business, Emirates NBD and Samer Soliman, Executive Vice President – Product and Innovation, Network International.

Over the course of the two days, the Summit will feature more than 30 key banking and technology influencers, including top names such as Paul McCrea, Vice President, Head of Products, Central & Eastern Europe, Middle East & Africa (CEMEA), Visa; Jonathan Duncan, ITB MEA Director for Integrated Solutions & Data Center Applications, Schneider Electric; Gary Collins, Head Mobile Banking, Westpac Pacific; Naveed Minhas, Banking Industry Leader MEA and Turkey, Global Business Services, IBM; Amol Shah, Head of Bancasurrance Products, Consumer Banking Group – FGB and Kartik Taneja, Global Head – Credit Cards, Standard Chartered Bank, to name a few.

The Summit is supported by more than 40 sponsors who will showcase their product innovations and solutions at the Innovation Lounge, making it a hub to collaborate with industry peers and connect with other like-minded people in the industry.

More information about the summit can be found on the event website at http://www.bankinnovation-me.com/