(From left to right) Ashiq Korikkar, head of growth, Faisal Toukan, co-founder and chief executive, and Andrew Gold, co-founder and head of engineering, are the brains behind peer-to-peer payments app Ziina. The app was made available for download on the Apple App Store and the Google Play Store this May. Photo: Antonie Robertson / The National
(From left to right) Ashiq Korikkar, head of growth, Faisal Toukan, co-founder and chief executive, and Andrew Gold, co-founder and head of engineering, are the brains behind peer-to-peer payments app Ziina. The app was made available for download on the Apple App Store and the Google Play Store this May. Photo: Antonie Robertson / The National
(From left to right) Ashiq Korikkar, head of growth, Faisal Toukan, co-founder and chief executive, and Andrew Gold, co-founder and head of engineering, are the brains behind peer-to-peer payments app Ziina. The app was made available for download on the Apple App Store and the Google Play Store this May. Photo: Antonie Robertson / The National
(From left to right) Ashiq Korikkar, head of growth, Faisal Toukan, co-founder and chief executive, and Andrew Gold, co-founder and head of engineering, are the brains behind peer-to-peer payments app

UAE gets a peer-to-peer payments app that lets you split bills with friends


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Ziina users can donate to relief efforts in Beirut

Ziina users will be able to use the app to help relief efforts in Beirut, which has been left reeling after an August blast caused an estimated $15 billion in damage and left thousands homeless. Ziina has partnered with the United Nations High Commissioner for Refugees to raise money for the Lebanese capital, co-founder Faisal Toukan says. “As of October 1, the UNHCR has the first certified badge on Ziina and is automatically part of user's top friends' list during this campaign. Users can now donate any amount to the Beirut relief with two clicks. The money raised will go towards rebuilding houses for the families that were impacted by the explosion.”

When Leen Shami had to pay her share of the bill for a joint lunch order at the office, she became the first person in the UAE to use Ziina, a newly launched peer-to-peer payments (P2P) app. The Jordanian digital media marketing professional was able to transfer the amount of Dh55 within a few hours after downloading the app.

"My roommate and I now use it monthly to split our Wi-Fi, electricity and water bills. My roommate was having trouble setting up her banking app, so we were always paying each other back with cash, which was such an inconvenience. This has made things much easier," Ms Shami tells The National. She has since used the app on numerous social occasions.

Ms Shami heard about the app from her cousins, Faisal and Sarah Toukan, who banded together at the end of 2019 with their software engineer friend Andrew Gold. Ziina was made available for download on the Apple App Store and the Google Play Store in May. It has since acquired a few thousand users and completed hundreds of thousands of dirhams in transactions, says Mr Toukan, a 26-year-old Jordanian American.

Ziina has been built and launched within the space of a year after Mr Toukan first saw Mr Gold build a peer-to-peer app to transfer the cryptocurrency Ethereum at a 2019 hackathon event in San Francisco. Earlier this year, the company raised $850,000 in seed investment, with participation from Samih Toukan’s Jabbar Internet Group and other prominent angel investors.

“We’ve been very pleased with our growth; we continue to onboard users every day for different use cases. We’ve seen people use Ziina to send money to loved ones, buy used furniture and pay for freelancers’ services,” Mr Toukan said.

Once users download Ziina, they complete a sign-up process by verifying their phone number and linking their bank account to the app. To send money, they search for the other person by name, enter the amount and confirm the transaction.

“Depending on which bank you have connected with, the first time you send money to someone, your bank may conduct a security check that can take up to 24 hours,” Mr Toukan says. “Every transaction you send to that person afterwards is processed instantly by Ziina. The money usually hits the recipient’s account within an hour, but sometimes this can take up to one business day.”

The social payment app does not require users to key in the beneficiary’s IBAN or Swift codes, but both parties need to have downloaded the app. Nor does Ziina take any fees, he adds – as opposed to banks, which often charge up to Dh1 per transfer. Mr Toukan says the app offers bank-grade security and end-to-end encryption and does not hold users’ money.

We've seen people use Ziina to send money to loved ones, buy used furniture and pay for freelancers' services

Many expats living in the UAE are already familiar with P2P payment services, such as Venmo and Cash App in the US and Tikkie in the Netherlands.

Dubai resident Becky Jefferies, a marketing director for a Silicon Valley-based financial technology (FinTech) company active in the Mena region, has used the Ziina app several times. Although she feels it could benefit from a refined interface, she says her experience has been seamless and simple, and she has been encouraging her circle of friends to download and try the app.

“I’ve been advocating it to my friends because it makes splitting bills [or trip costs or whatever you need to pay someone for] so much easier,” Ms Jefferies says. “I was an avid user of Venmo before I left the US in 2015 and I can’t believe it’s taken this long for something similar to become available in this region.”

P2P apps are relatively recent arrivals to the UAE, although they offer a way to improve financial inclusion among the underbanked segment. A June survey by the Central Bank of the UAE estimates that 15 per cent of the country has no access to any financial services and is “financially excluded”. The survey interviewed 5,134 people over the age of 15 years. About 39 per cent of those polled do not have a bank account compared with 31 per cent worldwide.

Mobile payment apps, not all of which require the user to have a bank account, can help bridge this gap, since more than 92 per cent of UAE residents have smartphones, according to YouGov.

It [Ziina] makes splitting bills (or trip costs or whatever you need to pay someone for) so much easier

“The average age of an individual in the Middle East is 27 years,” Mr Toukan says. “That is ridiculously low. At the same time, mobile penetration is through the roof. We have the infrastructure; it’s about time that someone built a financial application catered towards the region’s youth. Something that’s easy, intuitive and somewhere where people can park their finances.”

A recent Deloitte survey found that 82 per cent of Middle Eastern banking customers are keen on adopting FinTech products, but many lenders have yet to integrate available products into their networks. Only about 22 per cent of those surveyed – of 1,500 people in nine Mena countries – currently use FinTech products. Adoption is principally led by consumers in their 20s.

Mr Toukan says the region’s financial services market is rapidly approaching a watershed moment. “We’re at a significant inflection point in Mena when it comes to financial applications – as a result, the applications you interact with on a daily basis will be different in the next two years. The collision of open regulation and newly built infrastructure throughout the region has brought about the opportunity for consumer-facing FinTech platforms to come to life in the region.”

He expects companies of all stripes, from telcos and banks to start-ups, will soon move into the P2P space.

Several other players have either rolled out products or are building new apps to offer financial solutions that meet contemporary requirements.

In June, Abu Dhabi-based FinTech PayBy announced a partnership with global payment solution uPay to service over 850 self-serve kiosks across the UAE. The integration lets users top up their digital wallets by adding cash to their accounts, as well as conduct e-commerce transactions and make cashless payments and P2P transfers, according to a company statement. PayBy is also integrated into popular instant messaging platforms such as TikTok and Botim.

In Dubai, three former Google professionals are developing another P2P app called Mamo Pay. The app will also allow users to send money to other individuals and businesses and will not charge transaction fees. The company announced an investment of $1.5 million in seed investment this April.

To stay ahead of the competition, Mr Toukan and his team have already begun onboarding small businesses to broaden the app's usage.

Among their partners is Sultana’s, a Dubai-based boutique bakery. Founder Maha Jaleel says receiving payments has been a core pain point for her business, and the app allowed her to circumvent the issue. “Furthermore, other apps have high commissions and are not feasible for small businesses like mine,” she says.

Maha Jaleel is the founder of Sultana’s, a boutique bakery in Dubai. She says the Ziina app has eased receiving payments from clients for her business. Photo: Courtesy Maha Jaleel
Maha Jaleel is the founder of Sultana’s, a boutique bakery in Dubai. She says the Ziina app has eased receiving payments from clients for her business. Photo: Courtesy Maha Jaleel

Ms Jaleel says she was encouraged to offer the app as a mode of payment after hearing about other people’s experiences with similar apps in other markets. She now offers consumers a Dh35 discount if they book through Ziina. “Within a week of partnering with Ziina, approximately 60 per cent of my customers were using the app for their payments. Many of these repeat customers have continued to pay via the app despite the offer being only for the first order,” she says.

Over time, Mr Toukan hopes to add other services. These include remittance solutions, fractionalised solutions into different asset classes, including equities and cryptocurrencies, as well as a Ziina payment card. Many of these ancillary services will attract a small fee, which is how Ziina will eventually turn a profit – although Mr Toukan does not expect this to happen for some time.

“We see our future in autonomous finance, or self-driving money, where users essentially park their money in Ziina,” Mr Toukan says. Self-driving finance is a relatively new concept that turns finance into a service. It enables users to set financial targets, while the platform, typically enabled by artificial intelligence, figures out how to get there safely and within the shortest possible time via a range of connected FinTech services, such as robo-advisers and data-enabled strategic trading.

“So, for example, you pay for your groceries or whatever using Ziina. You’ll then have the automatic capability to transfer any remaining money into your savings or into equities. This is the future of finance,” Mr Toukan adds.

Specs

Engine: Dual-motor all-wheel-drive electric

Range: Up to 610km

Power: 905hp

Torque: 985Nm

Price: From Dh439,000

Available: Now

COMPANY PROFILE
Name: HyperSpace
 
Started: 2020
 
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
 
Based: Dubai, UAE
 
Sector: Entertainment 
 
Number of staff: 210 
 
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
Meydan racecard:

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8.50pm: Handicap (TB) $175,000 (D) 1,600m

9.25pm: Handicap (TB) $175,000 (T) | 2,000m

10pm: Handicap (TB) $135,000 (T) 1,600m

UAE currency: the story behind the money in your pockets
Countdown to Zero exhibition will show how disease can be beaten

Countdown to Zero: Defeating Disease, an international multimedia exhibition created by the American Museum of National History in collaboration with The Carter Center, will open in Abu Dhabi a  month before Reaching the Last Mile.

Opening on October 15 and running until November 15, the free exhibition opens at The Galleria mall on Al Maryah Island, and has already been seen at the Jimmy Carter Presidential Library and Museum in Atlanta, the American Museum of Natural History in New York, and the London School of Hygiene and Tropical Medicine.

 

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Abu%20Dhabi%E2%80%99s%20Racecard
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GAC GS8 Specs

Engine: 2.0-litre 4cyl turbo

Power: 248hp at 5,200rpm

Torque: 400Nm at 1,750-4,000rpm

Transmission: 8-speed auto

Fuel consumption: 9.1L/100km

On sale: Now

Price: From Dh149,900

Get Out

Director: Jordan Peele

Stars: Daniel Kaluuya, Allison Williams, Catherine Keener, Bradley Whitford

Four stars

Martin Sabbagh profile

Job: CEO JCDecaux Middle East

In the role: Since January 2015

Lives: In the UAE

Background: M&A, investment banking

Studied: Corporate finance

match info

Chelsea 2
Willian (13'), Ross Barkley (64')

Liverpool 0

Sole survivors
  • Cecelia Crocker was on board Northwest Airlines Flight 255 in 1987 when it crashed in Detroit, killing 154 people, including her parents and brother. The plane had hit a light pole on take off
  • George Lamson Jr, from Minnesota, was on a Galaxy Airlines flight that crashed in Reno in 1985, killing 68 people. His entire seat was launched out of the plane
  • Bahia Bakari, then 12, survived when a Yemenia Airways flight crashed near the Comoros in 2009, killing 152. She was found clinging to wreckage after floating in the ocean for 13 hours.
  • Jim Polehinke was the co-pilot and sole survivor of a 2006 Comair flight that crashed in Lexington, Kentucky, killing 49.
Paatal Lok season two

Directors: Avinash Arun, Prosit Roy 

Stars: Jaideep Ahlawat, Ishwak Singh, Lc Sekhose, Merenla Imsong

Rating: 4.5/5

Emergency phone numbers in the UAE

Estijaba – 8001717 –  number to call to request coronavirus testing

Ministry of Health and Prevention – 80011111

Dubai Health Authority – 800342 – The number to book a free video or voice consultation with a doctor or connect to a local health centre

Emirates airline – 600555555

Etihad Airways – 600555666

Ambulance – 998

Knowledge and Human Development Authority – 8005432 ext. 4 for Covid-19 queries

BIGGEST CYBER SECURITY INCIDENTS IN RECENT TIMES

SolarWinds supply chain attack: Came to light in December 2020 but had taken root for several months, compromising major tech companies, governments and its entities

Microsoft Exchange server exploitation: March 2021; attackers used a vulnerability to steal emails

Kaseya attack: July 2021; ransomware hit perpetrated REvil, resulting in severe downtime for more than 1,000 companies

Log4j breach: December 2021; attackers exploited the Java-written code to inflitrate businesses and governments

THE SPECS

Engine: 3.6-litre V6

Transmission: nine-speed automatic

Power: 310hp

Torque: 366Nm

Price: Dh200,000

Afcon 2019

SEMI-FINALS

Senegal v Tunisia, 8pm

Algeria v Nigeria, 11pm

Matches are live on BeIN Sports

EMIRATES'S%20REVISED%20A350%20DEPLOYMENT%20SCHEDULE
%3Cp%3E%3Cstrong%3EEdinburgh%3A%3C%2Fstrong%3E%20November%204%20%3Cem%3E(unchanged)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBahrain%3A%3C%2Fstrong%3E%20November%2015%20%3Cem%3E(from%20September%2015)%3C%2Fem%3E%3B%20second%20daily%20service%20from%20January%201%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EKuwait%3A%3C%2Fstrong%3E%20November%2015%20%3Cem%3E(from%20September%2016)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMumbai%3A%3C%2Fstrong%3E%20January%201%20%3Cem%3E(from%20October%2027)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EAhmedabad%3A%3C%2Fstrong%3E%20January%201%20%3Cem%3E(from%20October%2027)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EColombo%3A%3C%2Fstrong%3E%20January%202%20%3Cem%3E(from%20January%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMuscat%3A%3C%2Fstrong%3E%3Cem%3E%20%3C%2Fem%3EMarch%201%3Cem%3E%20(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ELyon%3A%3C%2Fstrong%3E%20March%201%20%3Cem%3E(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBologna%3A%3C%2Fstrong%3E%20March%201%20%3Cem%3E(from%20December%201)%3C%2Fem%3E%3C%2Fp%3E%0A%3Cp%3E%3Cem%3ESource%3A%20Emirates%3C%2Fem%3E%3C%2Fp%3E%0A

Film: Raid
Dir: Rajkumar Gupta
Starring: Ajay Devgn, Ileana D'cruz and Saurabh Shukla

Verdict:  Three stars 

UAE currency: the story behind the money in your pockets
How to donate

Send “thenational” to the following numbers or call the hotline on: 0502955999
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RESULT

Valencia 3

Kevin Gameiro 21', 51'

Ferran Torres 67'

Atlanta 4

Josip Llicic 3' (P), 43' (P), 71', 82'

ADCC AFC Women’s Champions League Group A fixtures

October 3: v Wuhan Jiangda Women’s FC
October 6: v Hyundai Steel Red Angels Women’s FC
October 9: v Sabah FA

Most sought after workplace benefits in the UAE
  • Flexible work arrangements
  • Pension support
  • Mental well-being assistance
  • Insurance coverage for optical, dental, alternative medicine, cancer screening
  • Financial well-being incentives 
Labour dispute

The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.


- Abdullah Ishnaneh, Partner, BSA Law 

England-South Africa Test series

1st Test England win by 211 runs at Lord's, London

2nd Test South Africa win by 340 runs at Trent Bridge, Nottingham

3rd Test July 27-31 at The Oval, London

4th Test August 4-8 at Old Trafford, Manchester

The%20specs
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The specs

Engine: Four electric motors, one at each wheel

Power: 579hp

Torque: 859Nm

Transmission: Single-speed automatic

Price: From Dh825,900

On sale: Now

The specs

Engine: 1.5-litre turbo

Power: 181hp

Torque: 230Nm

Transmission: 6-speed automatic

Starting price: Dh79,000

On sale: Now

What is the FNC?

The Federal National Council is one of five federal authorities established by the UAE constitution. It held its first session on December 2, 1972, a year to the day after Federation.
It has 40 members, eight of whom are women. The members represent the UAE population through each of the emirates. Abu Dhabi and Dubai have eight members each, Sharjah and Ras al Khaimah six, and Ajman, Fujairah and Umm Al Quwain have four.
They bring Emirati issues to the council for debate and put those concerns to ministers summoned for questioning. 
The FNC’s main functions include passing, amending or rejecting federal draft laws, discussing international treaties and agreements, and offering recommendations on general subjects raised during sessions.
Federal draft laws must first pass through the FNC for recommendations when members can amend the laws to suit the needs of citizens. The draft laws are then forwarded to the Cabinet for consideration and approval. 
Since 2006, half of the members have been elected by UAE citizens to serve four-year terms and the other half are appointed by the Ruler’s Courts of the seven emirates.
In the 2015 elections, 78 of the 252 candidates were women. Women also represented 48 per cent of all voters and 67 per cent of the voters were under the age of 40.
 

Sri Lanka v England

First Test, at Galle
England won by 211

Second Test, at Kandy
England won by 57 runs

Third Test, at Colombo
From Nov 23-27

 

 

Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
  • 400m Olympic running track
  • NBA-spec basketball court with auditorium
  • 600-seat auditorium
  • Spaces for historical and cultural exploration
  • An elevated football field that doubles as a helipad
  • Specialist robotics and science laboratories
  • AR and VR-enabled learning centres
  • Disruption Lab and Research Centre for developing entrepreneurial skills
MOUNTAINHEAD REVIEW

Starring: Ramy Youssef, Steve Carell, Jason Schwartzman

Director: Jesse Armstrong

Rating: 3.5/5

Sunday's Super Four matches

Dubai, 3.30pm
India v Pakistan

Abu Dhabi, 3.30pm
Bangladesh v Afghanistan

Ziina users can donate to relief efforts in Beirut

Ziina users will be able to use the app to help relief efforts in Beirut, which has been left reeling after an August blast caused an estimated $15 billion in damage and left thousands homeless. Ziina has partnered with the United Nations High Commissioner for Refugees to raise money for the Lebanese capital, co-founder Faisal Toukan says. “As of October 1, the UNHCR has the first certified badge on Ziina and is automatically part of user's top friends' list during this campaign. Users can now donate any amount to the Beirut relief with two clicks. The money raised will go towards rebuilding houses for the families that were impacted by the explosion.”