Business and Finance

Veronica Ortiz, Why Global Capital Is Choosing Dubai For Stability, Not Speculation By Jane Stevens Dubai’s real estate market has long captured global attention for its speed, scale, and ambition. Towers have risen where desert once stretched, and master-planned communities have taken shape with remarkable efficiency. Yet beneath the spectacle, a quieter and more consequential transformation is underway. Dubai is moving beyond its reputation as a speculative playground and asserting itself as a mature, globally competitive real estate market defined by clarity, resilience, and long-term vision. Few observers articulate this evolution as clearly as Veronica Ortiz, a seasoned real estate expert whose perspective is grounded not in short-term cycles but in enduring fundamentals. From investor confidence and shifting buyer profiles to the redefinition of luxury and the forces shaping the next phase of growth, Ortiz describes a market that no longer seeks validation from the world, but confidently sets its own benchmarks. This is not a story of hype, but of why global capital continues to flow into Dubai even as other markets feel increasingly unsteady. In a global environment marked by geopolitical tensions, fluctuating interest rates, and economic uncertainty, investor confidence is fragile. Yet Dubai continues to attract capital with notable consistency. Ortiz attributes this not to momentum, but to fundamentals. Political stability, a pro-business regulatory framework, and a clearly articulated economic roadmap offer something increasingly rare: predictability. Long-term residency options such as Golden Visas, alongside widespread foreign ownership rights, have lowered barriers for international investors, while transparent property laws have replaced the ambiguity that often deters capital elsewhere. Strong rental yields, healthy liquidity, and the absence of capital gains or annual property taxes further reinforce Dubai’s appeal. Coupled with its position as a global connector between Europe, Asia, and Africa, and sustained demand from tourism, business, and migration, the city’s real estate market is increasingly viewed as a long-term global city investment rather than a quick trade. Dubai’s off-plan and luxury segments are often compared to those in Europe or the United States, but Ortiz argues that such comparisons overlook what makes Dubai distinct. Off-plan entry pricing remains compelling, even in prime areas, particularly when measured against cities like London or New York. Flexible payment plans allow investors to manage exposure without excessive leverage, a key advantage in a higher-interest-rate environment. Regulatory safeguards such as escrow accounts, milestone-linked payments, and oversight by the Real Estate Regulatory Agency add layers of protection more commonly associated with mature markets. Speed of execution further differentiates Dubai, enabling investors to realize income or exit strategies sooner. Luxury demand, meanwhile, is driven less by speculation and more by high-net-worth migration, tax efficiency, and lifestyle appeal, creating a rare combination of capital appreciation and income potential. Looking ahead, Ortiz sees growth quietly compounding in segments rooted in genuine demand rather than hype. Branded and ultra-luxury residences continue to outperform due to scarcity and global recognition, while well-executed off-plan units in master-planned communities gain strength as these areas mature. Family-oriented housing, such as townhouses and low-rise apartments, benefits from owner-occupier demand and offers resilience that often goes unnoticed. Waterfront and lifestyle-led developments remain structurally undersupplied, supporting long-term appreciation, while transit-oriented projects near metro expansions and employment hubs reflect evolving lifestyle preferences. Properties aligned with long-term residency pathways add another layer of appeal, blending investment logic with lifestyle security. Perhaps the clearest sign of Dubai’s maturation is the changing profile of its buyers. Investors are no longer just deploying capital; many are relocating their lives. Entrepreneurs, families, and globally mobile professionals are increasingly prominent, drawn by business-friendly policies, long-term visas, and quality of life. High-net-worth individuals are purchasing primary and secondary residences rather than purely speculative assets, while younger professionals shape demand toward walkable, amenity-rich communities. This demographic shift supports more stable, long-term growth and reduces reliance on any single source market. Growth is increasingly concentrating in integrated, livable neighborhoods rather than isolated towers, signaling Dubai’s evolution into a city where real estate underpins life, not just returns. Beyond the headline-grabbing prime districts, Ortiz highlights several emerging areas offering value driven by infrastructure and real demand rather than speculation. Zones around Dubai Creek Harbour, Expo City, Dubai South, Al Jaddaf, Mohammed Bin Rashid City, Arjan, and Dubai Islands stand out for their connectivity, employment drivers, phased planning, and long-term livability. These characteristics point to sustainable growth rather than short-lived surges. Luxury itself is being redefined. According to Ortiz, it is no longer about excess, but about performance and experience. Wellness, natural light, air quality, smart living, sustainability, privacy, and flexible layouts now define premium living. Trust has become a luxury in its own right, with buyers placing greater emphasis on developer reputation, delivery timelines, and long-term asset protection. Luxury in Dubai has shifted from appearance to experience, and developers who understand this are setting the market’s new standards. For those navigating the off-plan market, Ortiz emphasizes discipline over hype. Developer track record, location fundamentals, and clarity of investment strategy matter more than marketing or launch pricing. When rental demand, realistic yields, and payment structures align with cash flow and exit planning, off-plan investing becomes a strategic tool rather than a speculative gamble. Global realities are reinforcing this discipline. Higher interest rates have reduced appetite for heavy leverage, encouraging cash purchases and flexible payment plans. Currency dynamics have positioned Dubai as compelling value for buyers from strong-currency regions, particularly in prime and luxury segments. Rising construction costs have sharpened focus on delivery certainty and developer credibility. The result is a market that is becoming more selective, more thoughtful, and more resilient. Sustainability, once peripheral, is now central. Green certifications, energy efficiency, and smart infrastructure are increasingly seen as tools for cost control, future-proofing, and resale strength. For globally mobile investors, sustainability is no longer a slogan but a value driver. As Dubai enters its next growth cycle, Ortiz sees a market shaped by quality, livability, and long-term thinking. Experience-led development, smart technology, ESG alignment, and community-focused planning will define future success. In shedding its old labels

Yousaf Abdul Naseer’s The Cutting Edge of Tourism & Hospitality Innovation By Peter Davis Yousaf Abdul Naseer’s path into content creation didn’t begin with a strategy or a desire for fame, but with simple curiosity and a genuine love for discovery. Exploring new places, tasting different cuisines, and sharing experiences with those around him came naturally. What started as casual sharing soon revealed something deeper: people trusted his recommendations and connected with the honesty behind them. Recognizing this connection, Yousaf transformed his passion into purposeful, well-crafted content that reflects real experiences rather than staged perfection. From the very beginning, authenticity became his guiding principle. Building a personal brand around food, lifestyle, and exploration was a gradual process. Yousaf didn’t chase trends or instant growth; instead, he documented what truly interested him, from hidden local eateries to emerging destinations across the UAE. Audiences responded to the relatability of his content and the care he put into details, from the flavors on the plate to the atmosphere of a place and the way it was visually captured.  Over time, his name became associated with trust, realism, and experiences that feel honest rather than curated for clicks. This same philosophy carried over into his entrepreneurial journey with LS Perfumes. Long fascinated by fragrances and the emotions they evoke, Yousaf spent years experimenting with blends and understanding how scent can express personality and elevate everyday moments. LS Perfumes was born from this passion, blending Arab olfactory heritage with a modern sensibility. Rather than launching generic products, he focused on creating fragrances with character, elegance, and a story—scents that make the wearer feel confident and present. For him, perfume is not just an accessory, but an extension of identity. Balancing life as both a content creator and an entrepreneur is not without its challenges, but Yousaf approaches it with structure and intention. Content creation remains a passion, while his business ventures provide long-term vision and stability. Each side feeds the other: content offers inspiration and exposure, while entrepreneurship grounds his creativity in purpose and sustainability. By organizing his time and setting clear priorities, he ensures that neither aspect overshadows the other. In today’s fast-paced social media world, Yousaf believes authenticity is the true differentiator. Audiences, he says, can quickly sense when content is forced or insincere. Simplicity, realism, and personality are what make content engaging. A genuine perspective, even when shared through a simple video or post, carries more impact than highly polished content that lacks emotion or truth. Like any creator, Yousaf faced challenges while building his personal brand, especially in a crowded and competitive influencer landscape. Proving himself and standing out took time. Criticism and pressure were part of the process, but instead of discouraging him, they became tools for growth. Consistency and self-belief helped him move forward, reinforcing his conviction that honest work always finds its audience. When it comes to collaborations, Yousaf is selective. He chooses brands and experiences that genuinely align with his values and lifestyle. Before promoting anything, he asks a simple question: would he personally use or visit it if there were no partnership involved? If the answer is no, he declines. For him, transparency with his audience is more valuable than any short-term gain. Some of his proudest moments come not from numbers or campaigns, but from the impact his content has on others. Messages from followers who visited a place based on his recommendation, enjoyed the experience, or felt inspired to start their own creative journey are what motivate him to keep evolving. These interactions affirm that his work goes beyond content—it influences choices and sparks creativity. Looking ahead, Yousaf sees influencer marketing in the UAE becoming more mature and value-driven. As the country continues to support creativity and the digital economy, the focus will shift from follower counts to meaningful impact. The future, he believes, belongs to creators who specialize, remain honest, and offer real value to their communities. With its diversity and opportunities, the UAE remains an ideal environment for content creators who are serious about their craft. To young creatives aspiring to build a sustainable online presence, Yousaf’s advice is clear: be yourself. Authenticity cannot be replicated, and imitation only delays growth. Building a strong identity takes time, consistency, and respect for your audience. Most importantly, he emphasizes enjoying the journey. Growth, learning, and self-discovery are just as important as success, and they shape the story behind every meaningful brand.

Beehive’s Billion-Dollar Buzz Peter Tavener & His Fintech Vision Are Reimagining SME Finance in the GCC After crossing the USD 1 billion SME funding milestone, Beehive’s CEO Peter leads a regional fintech revolution built on trust, technology, and purpose shaping the future of finance across the Gulf. By Hafsa Qadeer The glow of Dubai’s fintech skyline has a few names that have come to define innovation, but few shine as steadily as Beehive. For over a decade, the company has redefined how small and medium enterprises across the GCC access capital, bridging a gap that traditional finance long left open. Under the leadership of CEO Peter, Beehive recently celebrated a landmark achievement: crossing the one-billion-dollar milestone in SME funding. But for Peter, this isn’t simply a number on a balance sheet. It’s a story of thousands of businesses across the region that have found new life, growth, and confidence through a digital-first funding platform built on trust, technology, and purpose. Peter speaks of this achievement with a quiet pride that reflects both the company’s resilience and its clear vision. Beehive, now backed by e&, the Etisalat Group, is moving beyond milestones to momentum. Over the next twelve to eighteen months, the company is focused on expanding across the GCC with a mission to deepen financial inclusion, offering fast, digital, and accessible funding for enterprises that form the economic backbone of the region. Strategic partnerships, such as the structured funding deal with Goldman Sachs and the collaboration with Magellan Capital, have further strengthened Beehive’s institutional base, empowering it to grow responsibly while maintaining the disciplined underwriting and risk evaluation that have long defined its model. The company’s success story isn’t confined to the UAE. In Oman, Beehive’s partnership with Future Fund Oman has already channelled over 7.1 million OMR, or around eighteen million US dollars, in SME financing. In Saudi Arabia, the company is preparing for a transformative merger with Themar, a leading local peer-to-peer lending platform, designed to bring together global expertise, cutting-edge technology, and local market knowledge. For Beehive, these are not just regional expansions but affirmations of a vision that sees every small business as a potential driver of national growth. What sets Beehive apart isn’t just its scale, but its agility in adapting technology to solve real-world financing challenges. One of the company’s most significant shifts has been the integration of the Direct Debit System, an API-driven platform that digitized repayment collections. This change may sound technical, but its impact has been revolutionary. Gone are the days of manual cheque processing, delays, and administrative burden. Today, Beehive’s entire loan disbursement and repayment cycle runs electronically, enabling faster processing, same-day reconciliation, and enhanced predictability of cash flow. The system has brought greater transparency and control, reducing operational friction while improving repayment reliability. For the company’s finance teams, it’s a transformation that replaced paperwork with precision, freeing them to focus on what truly matters, helping SMEs grow. Behind these operational advances lies a deeper story of discipline. Even with a USD 140 million structured funding deal in place, Beehive continues to balance rapid growth with rigorous risk management. Over the years, it has invested heavily in strengthening its credit assessment models, integrating AI tools that allow faster, smarter evaluations without compromising quality. The results are telling. With a non-performing loan ratio below two percent and a default rate at zero this year, Beehive’s performance stands well above the regional banking average. For Peter, this precision isn’t just about protecting investors, it’s about ensuring the ecosystem of small businesses that rely on Beehive remains stable, confident, and supported. Yet Beehive’s financial ecosystem extends beyond pure technology and data. At its heart lies a strong alignment with regional values, particularly through its Sharia-compliant financing model. A significant portion of the company’s SME funding is Sharia-approved, reflecting both market demand and cultural integrity. Supported by a dedicated Sharia Supervisory Board, Beehive ensures that its products adhere to Islamic finance principles while meeting the fast-paced needs of modern enterprises. The alignment of Sharia compliance with environmental, social, and governance (ESG) values has also positioned Beehive as a leader in ethical and responsible investing. For Peter, the connection is natural, both frameworks emphasize fairness, transparency, and long-term positive impact. Expanding across the GCC comes with its own complexities, from regulatory frameworks to cultural nuances. Oman’s SME landscape, while rapidly developing, still faces limited access to financing compared to the UAE, prompting Beehive to focus on increasing both awareness and accessibility. Saudi Arabia, by contrast, presents a fast-moving and highly competitive market, powered by national goals that prioritize innovation and entrepreneurship. Beehive’s approach in both markets is rooted in adaptability, local partnerships, and respect for local business culture. By maintaining a centralized product framework and tailoring it to each market’s regulatory and economic realities, the company ensures consistency, scalability, and relevance across borders. Technology remains the heartbeat of Beehive’s innovation strategy. Artificial intelligence and alternative data are not distant concepts but practical tools already shaping its operations. AI-driven credit screening now enables quicker and more accurate assessments, while automation has replaced repetitive data tasks, allowing human teams to focus on strategic analysis and customer engagement. For Beehive, technology isn’t just a differentiator, it’s a catalyst for democratizing access to finance. As Peter often emphasizes, the goal is to make funding faster, smarter, and simpler for every entrepreneur who dares to dream bigger. Sustainability, too, has found a permanent place within Beehive’s DNA. As global investor sentiment shifts toward responsible finance, the company has proactively embedded ESG metrics into its loan origination and monitoring processes. By evaluating businesses not only for their financial performance but also for their environmental and social footprint, Beehive identifies enterprises that are resilient and future-ready. Transparency remains at the core of this approach, with detailed quarterly reports offering investors insights into portfolio performance, repayment trends, and risk distribution. The company’s licensing under the DFSA in the UAE and the FSA in Oman further strengthens its governance framework, ensuring investor protection

Helen Kareva, The Art of Redefining Corporate Humanity By Hafsa Qadeer When Helen Kareva moved to Dubai a few years ago, she expected new horizons, but she did not expect silence. Not the literal kind, but a professional quiet that muffled the voices of people like her, skilled, experienced, and yet somehow unseen. She and her co-founder had both spent years in corporate and creative worlds, speaking at panels and events back home, but when they tried to enter the global speaking circuit, they found the doors half closed. They attended conferences and panels hoping to find a way in, and what they saw unsettled them. The same speakers appeared again and again. The same ideas recycled on different stages. Meanwhile, thousands of professionals with real stories to tell were left behind. It was not a question of talent, Helen realized. It was a question of access. From that silence came SpeakUp, a platform built not just to help people talk, but to help ideas travel. “We wanted to build something that made finding and booking the right voice as easy as calling an Uber,” Helen says. The mission was audacious, but its roots were deeply human. SpeakUp was not born in a boardroom; it was born out of a longing for connection, a frustration with barriers, and a belief that intelligence, both human and artificial, could bring people together. The Bridge That Didn’t Exist Before SpeakUp, the speaking industry was fragmented. Traditional agencies promoted only high-priced speakers because commissions mattered more than discovery. The same familiar faces dominated conference stages. Organizers spent weeks messaging contacts and sifting through databases. Speakers filled out endless forms that led nowhere. The industry was running on legacy systems in a world that had already gone digital. Helen and her team decided to fix what no one else dared to. They created an AI-powered ecosystem where speakers, organizers, podcasters, and journalists could connect directly without intermediaries. Their matching system analyzes event goals, audience demographics, speaker expertise, and engagement metrics to make intelligent pairings within seconds. Conversations happen inside the app. Bookings can be confirmed instantly. Teams can collaborate in one shared space without ever touching a spreadsheet. “It’s not just a tool,” Helen explains. “It’s an infrastructure for global communication.” That sentence captures the quiet revolution behind SpeakUp. It does not just simplify logistics; it rewrites the rules of who gets to be heard. For decades, access to a microphone depended on money, networks, and location. Helen wanted to break that hierarchy. In her words, SpeakUp is “for every brilliant mind who was told their voice was too new, too different, or simply not on the list.” Learning to Walk Again The path to building SpeakUp was neither linear nor smooth. Right after filming The Final Pitch Dubai, Helen’s life shifted dramatically when she was diagnosed with a giant cell tumor in her leg. While the company was expanding across markets, she was recovering from surgery and learning to walk again. The contrast between physical stillness and professional momentum was profound. “After you’ve learned to walk again, everything else feels easy,” she says softly. “It changed everything about how I see leadership, resilience, and balance.” In that difficult season, Helen discovered that the most important kind of strength is not loud; it is quiet, patient, and deeply human. She began to see entrepreneurship not as a race, but as an endurance journey, a process of continuous adjustment. “When you’ve faced something like that, you stop fearing business challenges,” she reflects. “Investor negotiations or product pivots stop feeling like real problems. They’re just part of the process.” That experience also taught her to trust her team more deeply. She learned to let go, to slow down, and to focus on purpose rather than pressure. “The hardest part of entrepreneurship,” she smiles, “was learning to walk again. Everything else is just a series of small adjustments on the way to a bigger goal.” The Rise of Intelligent Connection Today, SpeakUp operates in more than twenty-eight countries and is quietly reshaping the global speaking ecosystem. Its AI not only matches speakers with events but also generates analytics that reveal what topics audiences engage with, where diversity gaps exist, and which conversations are shaping industries. Helen believes the next decade will redefine how ideas travel. “AI is not a trend,” she says. “It is a revolution in how people, ideas, and opportunities connect.” Her prediction is bold but grounded in real data. On average, SpeakUp users save fifty hours per month on coordination tasks. Booking cycles are ten times faster, and speaker matches are sixty percent more relevant than before. A process that once took months now happens in minutes. For Helen, efficiency is only part of the story. The real transformation is emotional, restoring human energy to an industry that had become mechanical. “When booking a speaker becomes as easy as booking a flight, you give people back their time, but also their excitement. You remind them why they wanted to tell stories in the first place.” Building a Culture of Courage and Humor Inside SpeakUp, Helen’s leadership philosophy feels refreshingly different. She often jokes that leadership is thirty percent strategy, thirty percent chaos management, and forty percent coffee, but her humor hides a deeper truth. “You cannot build innovation on fear,” she says. “Only on energy and purpose.” She believes in clarity over control, trust over micromanagement. Every team member is encouraged to experiment boldly and fail gracefully. “We have a simple rule,” she smiles. “Don’t bring me problems, bring me experiments.” Some of SpeakUp’s most celebrated features were born from what she calls “beautiful accidents,” when a small mistake sparked a bigger idea. Her team celebrates small wins, mixes memes with investor updates, and speaks to each other like equals. It is a culture that values intelligence and empathy in equal measure. “Leadership for me is not about being the loudest voice in the room,” Helen says. “It’s about creating a space where every

Adil Hussain The Ethical Architect Redefining The Future Of Islamic Finance By Paul Smith In an era of economic volatility, social uncertainty, and rapidly shifting technological landscapes, conversations around the future of finance often drift toward algorithms, automation, and the next big digital disruption. Yet amid this noise, a quieter, more profound narrative is emerging, one rooted in ethics, shared prosperity, and trust. It is in this space that Adil Hussain, a respected voice in Shariah-compliant finance, places his life’s work. His philosophy is both bold and measured, grounded in the belief that Islamic finance is not simply a moral alternative but a blueprint for a fairer, more stable global financial system. Speaking with the depth of someone who understands both the tradition and the trajectory of Islamic finance, Hussain describes a sector on the brink of transformation, a shift that will reframe how economies define value, measure prosperity, and distribute opportunity. “Islamic finance is evolving from a niche ethical framework into a major pillar of the global financial system,” he says. It is this evolution, grounded in principles of fairness, transparency, and real economic value, that positions Islamic finance as a powerful force for the decade ahead. A New Global Financial Pillar For decades, Islamic finance has existed alongside conventional banking, growing steadily, respected widely, but often viewed as a specialised model serving specific markets. Hussain believes that era is ending. The world’s priorities are changing. Investors are demanding purpose alongside profit. Communities are asking for accountability. Governments are rethinking how to build sustainable economic systems. In this environment, the principles of Islamic finance do not merely fit, they lead. Hussain outlines three defining shifts shaping the future: deep integration with ESG frameworks, rapid digital transformation, and stronger international harmonisation. Each plays a crucial role, but together they form a comprehensive strategy for global expansion. The alignment with ESG is particularly powerful. Islamic finance, at its core, has always emphasised social justice, environmental stewardship, and ethical investment, values that ESG frameworks are only now prioritising on a global scale. “In a world seeking stability and trust,” he reflects, “these principles ensure Islamic finance’s continued relevance and influence.” It’s a statement not of aspiration, but of inevitability. Technology as a Catalyst for Ethical Innovation One of the misconceptions about Islamic finance is that its grounding in tradition makes it cautious in adopting technology. Hussain challenges this narrative directly. For him, technology is not an external force pressing against Islamic finance, it is a tool that reinforces its foundations. He speaks with enthusiasm about fintech platforms delivering Shariah-compliant services to markets that conventional banks have historically overlooked. Mobile banking, AI-driven advisory tools, and automated compliance systems are creating unprecedented levels of access and efficiency. But perhaps the most transformative innovation is blockchain. Blockchain, Hussain explains, introduces a new era of traceability, authenticity, and transparency, characteristics deeply aligned with Islamic financial ethics. Smart contracts ensure adherence to Shariah principles automatically, while digital sukuk offer efficiency, lower costs, and global accessibility. Blockchain does not dilute Islamic finance; it amplifies its strengths. “Technology is not just modernising Islamic finance,” he says. “It is reinforcing its ethical foundation.” In an industry that prizes integrity, this marriage of ethics and innovation feels almost inevitable. Driving Sustainable and Socially Responsible Growth As global conversations shift toward sustainability and long-term value creation, Hussain sees Islamic finance playing a powerful role across the GCC and beyond. His vision is not theoretical. It is rooted in tangible avenues where Islamic finance is uniquely equipped to lead: renewable energy, affordable housing, community development, and infrastructure that directly improves lives. These are not projects chosen for optics, they reflect Islamic finance’s fundamental obligation to avoid harm and promote societal benefit. By embedding these values in ESG frameworks, Hussain believes Islamic finance can help shape a new global investment narrative, one where success is measured not only by profit margins but by social and environmental impact. Expanding Into New Markets, Bridging New Minds But expansion never comes without challenges. While the appetite for ethical finance is growing worldwide, awareness of Shariah-compliant models remains uneven. Hussain acknowledges this with the pragmatism of someone who has worked extensively in international markets. “Misconceptions exist,” he notes. Some believe Islamic finance is rigid; others think it is exclusively religious. Education, he argues, is essential. So is building regulatory infrastructure, training local talent, and harmonising Shariah governance across borders. Yet the opportunity is immense. Even countries with small or non-Muslim populations are exploring Islamic finance instruments as ethical alternatives that prioritise transparency and stability. “Ethical and sustainable finance is a universal language,” he says. And Islamic finance, he believes, speaks it fluently. Financial Inclusion: A Mission Rooted in Justice The global struggle for financial inclusion, especially across emerging economies, sits at the heart of Hussain’s vision. He sees Islamic finance’s emphasis on fairness, risk-sharing, and asset-backed transactions as a natural solution. Digital wallets, mobile banking platforms, and Shariah-compliant microfinance tools are already transforming access for low-income households, small businesses, and remote communities. “By combining ethical rigor with innovative delivery,” Hussain says, “Islamic finance can empower individuals and communities while upholding justice and shared prosperity.” At a time when many financial systems are criticised for deepening inequality, his argument is compelling. Leadership for the New Financial Landscape When discussing the future custodians of Islamic finance, Hussain speaks not just as a practitioner but as a mentor. Leaders of the next era, he says, must balance technical expertise with moral conviction. They must understand Shariah deeply but embrace innovation fearlessly. They must be global in outlook but unwavering in principle. “Leadership grounded in integrity and purpose will position Islamic finance as a model for responsible global finance,” he notes. In a world increasingly wary of institutions, his insistence on ethical leadership feels not only wise but necessary. Lessons From a Global Crisis The COVID-19 pandemic, Hussain reflects, was a litmus test. While many industries struggled to adapt, Islamic finance demonstrated resilience rooted in its principles. Digital transformation accelerated. Fintech

Ghazi Yaman The Conqueror’s Mindset From Viral Influence to Visionary Impact By Paul Smith In a world where speed defines success and innovation blurs with instinct, Ghazi Yaman stands as a modern architect of transformation, a strategist who has turned disruption into an art form. From boardrooms at Red Bull and Nestlé to building creator-driven empires, his journey reflects not just ambition but evolution, the evolution of mindset, momentum, and meaning. For Ghazi, walking away from the corporate world wasn’t rebellion, it was revelation. “I hit a point where I felt like I was living in a box, structured, polished, but limited,” he shares. “Big corporations move slow, and I’ve always been wired for speed.” He didn’t want to manage someone else’s vision; he wanted to create his own. That was the moment he realized his competitive edge, the ability to create, pivot, and execute at a pace few could match. That drive led him to engineer global influence. Ghazi played a defining role in transforming his brother Ayman Yaman’s viral platform into a powerful personal brand, a case study in turning digital fame into business sustainability. “The formula I created is Tease, Please, Seize,” he explains. “You tease by sparking curiosity, please by delivering value, and seize by converting that attention into trust or action. Every post, every campaign, all designed with purpose. That’s how you turn a creator into a rising star.” With Bottle Flip Investments, Ghazi introduced a new era in the creator economy, one powered by what he calls contentpreneurs. “A creator makes content, a contentpreneur builds a business around it,” he says. “We take influence and turn it into infrastructure.” For him, the goal is clear, to help creators evolve from monetizing moments to building scalable, long-term brands. “The future belongs to those who don’t just create content but create companies powered by their audience.” That same philosophy fueled The Brand Me Summit, now recognized as the world’s largest personal branding event. Ghazi’s conviction is that personal branding is not a luxury, it’s leverage. “In the next five years, the people with the strongest personal brands will become the next billionaires,” he asserts. “Social media is the new TV, except now, the power is in our pockets. Personal branding is no longer optional, it’s the foundation of influence, business, and leadership in the next decade.” His insights into brand longevity are simple yet profound, “Exposure means nothing without emotion. Anyone can buy attention, very few can earn it. The brands that last are the ones that make people feel something, every single time.” But perhaps the most surprising side of Ghazi’s empire is Disconnect Clothing, a brand that promotes digital mindfulness in an age of constant connectivity. “Disconnect isn’t anti-digital, it’s pro-awareness,” he says. “It’s a reminder to pause, be present, and live intentionally. I built my career online, but I protect my peace offline. Balance is about control, knowing when to connect and when to truly live.” When evaluating new ventures, Ghazi’s approach is both analytical and intuitive. “I look at alignment, adaptability, and authenticity,” he explains. “Before investing in a creator-led idea, we test it. If it aligns with their values and audience response is strong, that’s when it becomes scalable.” But the real test lies in conviction. “I ask one question, are they all in, or is it a side hustle? Because real brands aren’t built halfway.” Through his motivational series Your Dose of Vitamin G, Ghazi distills his philosophy into a single, powerful mantra, “I’m not done until I win.” He shares candidly, “I’ve gone bankrupt three times, and each time I came back bigger and better. Success isn’t luck, it’s resilience. If you can’t find a door, build one. And if you can’t build one, knock down the entire wall.” What drives him to keep evolving across industries, from proptech and fashion to events and digital branding, is not greed, but growth. “I’m not built to stay in one lane,” he says. “Everything starts with content, it’s the common language across all industries. We collaborate with the best in each field, bring the creativity and culture, and that’s how we scale. I don’t chase comfort, I chase momentum.” And when asked what legacy the name Ghazi Yaman should carry, his answer is deeply reflective. “The name Ghazi means conqueror, but not in the traditional sense. I want people to conquer themselves first, their mindset, their emotions, their fears. Because once you master yourself, you naturally start conquering everything else.” For Ghazi, true success isn’t measured by followers, fame, or fortune; it’s self-mastery. “Greatness doesn’t start with winning,” he concludes. “It starts within. If everything I’ve built inspires even one person to become better by just one percent, then I’ve done my job.” Through his ventures, vision, and voice, Ghazi Yaman continues to redefine the meaning of influence, proving that the future belongs not to those who chase attention but to those who command it with purpose, passion, and authenticity.

Mohamed Al Khadar Al Ahmed Leading KEZAD’s Mission to Shape the UAE’s Industrial Future By Hafsa Qadeer In the quiet expanse between Abu Dhabi’s skyline and the Arabian Gulf, a new industrial frontier is taking shape. Steel meets sunlight, innovation meets intent, and ambition finds its anchor in 550 square kilometres of land designed for one purpose, to reimagine what a modern economic zone can be. This is KEZAD, the Khalifa Economic Zones Abu Dhabi, and at its helm stands Mohamed Al Khadar Al Ahmed, a leader shaping not only the destiny of industries but the economic identity of a nation. For Al Ahmed, the story of KEZAD is inseparable from the UAE’s grand vision, Centennial 2071, a national strategy that extends far beyond decades, toward a century of resilience, innovation, and global relevance. “KEZAD’s development aligns with the UAE’s Centennial 2071 strategy by fostering economic diversification and moving the nation toward a knowledge-based economy,” he explains. “We are championing the UAE’s long-term economic overhaul, driving growth in advanced manufacturing, logistics, and focus sectors such as pharma and life sciences, and food and beverages. What began as a bold infrastructure project has evolved into a strategic ecosystem that now supports more than 2,150 businesses across 17 sectors, stretching from Abu Dhabi to Al Ain and the Al Dhafra region. With over 100 square kilometres of free zones and a total land bank exceeding 550 sq km, KEZAD is not just an industrial park, it is the largest integrated economic zone in the country, a living embodiment of the UAE’s ambition to build beyond oil and beyond borders. A Hub for Global Trade in an Age of Uncertainty In an era where global trade faces turbulence, from supply chain disruptions to geopolitical shifts, KEZAD stands as a stabilising force. Free zones, Al Ahmed believes, are more vital than ever. “Free zones have regained importance as key enablers for the UAE’s national transformation programmes,” he says. “They offer investors access to infrastructure, facilities, and ancillary services, along with 100% ownership, full profit repatriation, and exemption from corporate and income taxes.” But KEZAD’s true advantage lies in geography and integration. Its proximity to Khalifa Port, one of the region’s most advanced deep-water ports, and direct connection to Etihad Rail create a multimodal transport network linking sea, land, and air. “It’s not just about logistics,” Al Ahmed adds. “It’s about resilience, about ensuring the efficient and reliable movement of goods even in volatile markets.” That connectivity positions the UAE as a bridge between continents, serving two-thirds of the world’s population within an eight-hour flight. From KEZAD’s warehouses and factories, raw materials flow in, products flow out, and ideas move seamlessly between Asia, Africa, and Europe, reaffirming the UAE’s place as a global connector. Balancing Global Investment and Local Empowerment While global corporations see KEZAD as a gateway to the Middle East, Al Ahmed is equally focused on nurturing homegrown enterprises. “SMEs are the backbone of economies that foster innovation, employment, and resilience,” he says. To that end, KEZAD’s Entrepreneurship and Incubation Centre provides cost-effective workspaces and flexible licensing, empowering startups to scale from concept to commercial success. The centre, alongside partnerships with institutions like the Emirates Growth Fund, helps bridge access to capital and mentorship, critical ingredients in the UAE’s evolving SME ecosystem. This dual strategy, welcoming global giants while cultivating local innovators, is core to KEZAD’s philosophy. “Our integrated ecosystem encourages collaboration between SMEs and multinational corporations,” Al Ahmed explains. “We want synergy, not separation.” The numbers tell the story: SMEs currently account for 86% of private-sector jobs and 63.5% of the UAE’s non-oil GDP. KEZAD’s ecosystem ensures that as international capital flows in, local talent and enterprise grow with it, forming an economy that is both open and self-sustaining. Green Industry and the ESG Imperative Industrial growth without environmental responsibility, Al Ahmed insists, is no longer growth at all. Under his leadership, KEZAD has woven sustainability and ESG principles into its very infrastructure. “Our approach is proactive and multifaceted,” he notes. “We support businesses in adopting cleaner energy sources and integrating solar power within their zones.” Indeed, companies like Abundance Solar Panel Industries, which recently signed a 50-year lease to build a solar panel plant worth AED 55 million, reflect KEZAD’s tangible commitment to renewables. Yet, Al Ahmed’s vision is pragmatic as much as it is progressive. “The transition to a low-carbon economy requires interim solutions,” he explains. “That’s why we’ve also invested in a 30-kilometre natural gas network in Al Ma’mourah, ensuring reliability while advancing toward green goals.” This blend of innovation and realism defines KEZAD’s sustainability strategy. It is not a marketing exercise but a measurable, operational commitment, aligned with the Abu Dhabi Climate Change Strategy and designed to support tenants in reducing emissions without sacrificing competitiveness. Innovation in the Age of Industry 4.0 The factories of the future are not powered by steam or steel, they run on data, intelligence, and connectivity. Recognising this, KEZAD is investing heavily in AI, automation, and Industry 4.0 initiatives to position itself at the frontier of the digital industrial revolution. “Our partnership with Siemens Advanta is a cornerstone of that strategy,” says Al Ahmed. Through digital transformation assessments and technology roadmaps, Siemens is helping KEZAD’s industrial clients optimise operations, adopt automation, and implement smart manufacturing systems. Another partnership with Silal focuses on agricultural technology (AgTech), launching projects in Al Ain Industrial City that combine AI, sustainability, and food security. “We are fostering an environment where startups, SMEs, and multinational enterprises can collaborate to drive vertical innovation,” Al Ahmed adds. “This is the new DNA of KEZAD, innovation-led and future-focused.” Circular Economy as a New Industrial Ethic The circular economy is not just an environmental imperative, it is an economic opportunity, and KEZAD is determined to lead that transformation. Across its clusters in polymers, metals, and food processing, KEZAD is designing systems where waste becomes value, and by-products find second lives. “Our industrial ecosystems are designed to enable symbiotic relationships,” Al Ahmed explains. “The by-products of one company can become the inputs for another.” This philosophy is turning KEZAD into a regional hub for circular practices, integrating sustainability at every point in the value chain, from production to packaging. The vision extends to logistics and manufacturing, with resource efficiency

Why the World Pen Show Thrives in the Digital Age By Sara Hammoud The air inside the exhibition hall hummed with quiet intensity, a mix of deep concentration and hushed appreciation. It is a space where a highly selective audience gathers to celebrate the one item technology was supposed to make obsolete, the fine writing instrument. But this is not a funeral for the pen; it is a vibrant testament to its legacy. The World Pen Show, founded four years ago by Mr. Majed Al Nasser, is more than a trade show. It is a platform where brands, artisans, and collectors share their experiences and showcase unique, beautiful pens. Opened by Sheikh Juma Bin Maktoum Al Maktoum, the event displays an extraordinary range of creations, from the intricate craftsmanship of Urushi pens to the themed artistry of Montegrappa’s Pac-Man and Gladiator editions. The Visionary Behind the Show At the heart of this growing global community stands Majed Al Nasser, a man whose appreciation for craftsmanship and culture extends far beyond mere collecting. Known for his refined taste, entrepreneurial spirit, and passion for design, Majed brings an artist’s eye and a curator’s heart to everything he touches. His journey into the world of fine writing instruments began not as a business pursuit, but as a deep personal fascination with artistry, precision, and heritage. Each pen, for him, represents a story, a fusion of human ingenuity, material beauty, and emotional connection. Through the World Pen Show, Majed seeks to preserve and elevate the culture of handwriting, especially in a time dominated by digital communication. “The fine writing industry is relatively small and niche,” he explains, “which makes it challenging to view the World Pen Show purely as a business venture.” Instead, he envisions it as a cultural movement, one that reconnects people with the intimacy and mindfulness of writing. Majed often describes the pen as “an extension of one’s identity, a personal artifact that captures our thoughts and reveals our personality.” In a fast-paced, screen-driven world, he believes pens offer something increasingly rare presence. Beyond Business, A Cultural Mission For Majed, the World Pen Show is not merely an exhibition it is an invitation to slow down and rediscover the joy of expression. “Pens are much more than just tools for writing,” he says. “They are companions, silent witnesses to our ideas, our dreams, and our growth.” This philosophy resonates throughout the event, which blends the precision of engineering with the emotion of artistry. Collectors, designers, and newcomers alike find themselves part of a shared journey, one that celebrates creativity, craftsmanship, and community. Inspired by Architecture This year’s edition embraces a bold and elegant theme, Architecture. For Majed, the connection between pens and architecture runs deep. Both require balance, between beauty and function, imagination and discipline. “Architecture and pens share a rich and intertwined history,” he notes. “Pens were once used to design the world’s greatest structures, and today, architecture inspires penmakers to push creative boundaries.” From the sleek lines of modern skyscrapers to the ornate patterns of historic facades, the show invites visitors to explore how form, structure, and emotion can be captured in miniature through pen design. Passing the Passion On More than anything, Majed Al Nasser’s greatest ambition is continuity, ensuring that the love for fine writing does not fade with time. “Interest in fine writing should never be forced,” he says. “It should be nurtured and encouraged.” Through workshops, youth programs, and interactive displays, the World Pen Show encourages younger generations to engage with the art of handwriting. It’s not just about pens, it’s about cultivating patience, focus, and creativity in a world where instant gratification often dominates. At the same time, the show invites adults to rediscover nostalgia, the tactile satisfaction of ink gliding across paper, the quiet focus of journaling, and the artistry of collecting. By bridging generations, the event transforms a traditional craft into a shared cultural experience. A Legacy of Expression As the founder, Majed Al Nasser sees the World Pen Show not simply as an event, but as a living ecosystem, one that connects people through creativity, culture, and craftsmanship. His commitment to the art of writing has helped turn Dubai into a regional hub for pen enthusiasts and collectors worldwide. In a world full of glowing screens, the simple, deliberate act of putting pen to paper remains a profoundly human gesture. As Majed often reflects, “The pen holds a special place in our lives, it connects us to our thoughts, to our creativity, and to one another.” Through the World Pen Show, that belief takes tangible form. It is not just about preserving the tradition of fine writing, it is about celebrating it, ensuring that this timeless craft continues to inspire, evolve, and thrive in the digital age.