From Digital Payments to Banking: 9 FinTechs Reshaping the UAE
Poulami Saha
Network International – Powering Digital Payments Network International strengthens UAE payment infrastructure through merchant acquiring, payment processing, instalments and emerging digital-payment solutions.
Tabby – Transforming Consumer Finance Tabby is expanding beyond BNPL after securing a UAE Stored Value Facilities licence for spending accounts, cards and money-management services.
Wio Bank – Redefining Digital Banking Wio Bank is advancing digital banking with connected financial services, business solutions and participation in the UAE’s Open Finance ecosystem.
Careem Pay – Building Super-App Finance Careem Pay integrates payments and financial services into the wider Careem ecosystem, making everyday digital transactions more convenient for UAE users.
e& money – Expanding Digital Wallets e& money is strengthening digital payments, remittances and financial services, supporting the UAE’s transition toward increasingly cashless consumer transactions.
Ziina – Simplifying Digital Payments Ziina offers digital payments, peer-to-peer transfers, payment links and QR-based services while advancing Pay by Bank through UAE Open Finance.
Mamo – Digitising Business Payments Mamo focuses on business financial infrastructure, helping UAE companies streamline payment collection, payouts and other everyday financial operations.
PhonePe – Bringing Indian FinTech Innovation PhonePe received UAE licences in September 2026, enabling local payment instruments and merchant e-payment infrastructure during its first international expansion.
Aani – Accelerating Instant Payments Aani has surpassed 12.5 million users and connects 74 financial institutions, enabling fast account-to-account transfers across the UAE.