Maryam Al Hammadi, Minister of State and Secretary General of the UAE Cabinet, at the World Economic Forum annual meeting. Photo: World Economic Forum
Maryam Al Hammadi, Minister of State and Secretary General of the UAE Cabinet, at the World Economic Forum annual meeting. Photo: World Economic Forum
Maryam Al Hammadi, Minister of State and Secretary General of the UAE Cabinet, at the World Economic Forum annual meeting. Photo: World Economic Forum
Maryam Al Hammadi, Minister of State and Secretary General of the UAE Cabinet, at the World Economic Forum annual meeting. Photo: World Economic Forum

UAE’s digital transformation has put country on the map - and saved billions, minister says


Daniel Bardsley
  • English
  • Arabic

The UAE government's forward-thinking digital strategy has helped to save billion of dollars, boost efficiency and make the country a prime destination for top talent in advanced technology and artificial intelligence, an Emirati minister said.

Maryam Al Hammadi, Minister of State and Secretary General of the UAE Cabinet, told delegates at the World Economic Forum that the country had become one of the most advanced in the world when it came to digitalisation, thanks to being years ahead of schedule in harnessing online services.

Its proactive approach has set the country up for further innovation. The forum heard the adoption of AI was set to lead to more changes in how government services were delivered.

Speaking during a panel discussion titled Governments, Rewired, Ms Al Hammadi said the modernisation of governments and how they delivered services was “a necessity for government to be relevant, competitive and effective”.

“That’s why in the UAE we embarked on the modernisation journey very early, two decades ago, where we started with the digital transformation, mobile and smart services,” she said. “The result is that now, in the UAE, 99 per cent of our government service is digitally transformed. We have 90 per cent satisfaction among our citizens, we have 100 per cent of our citizens living in the UAE having a digitally unified number where they can access most of the government services and some of the private services.

“We have also a federal saving of around $4 billion. Our IT infrastructure is ranked first globally and we are also ranked first globally on internet speed. We are third globally in attracting AI talent. We are fourth globally in the number of foundational AI models released.”

But she said government modernisation was not simply about digital transformation and it also involved widespread legislative reform to develop regulations that attracted “talented people, entrepreneurs”.

“In four years, 80 per cent of the federal laws have been changed,” she said, referring to updated legislation on e-commerce that has resulted in the country becoming home to more than 24,000 companies in that sector.

World Economic Forum - in pictures

  • US President Donald Trump is shown on screen as he addresses a plenary session remotely in Davos, Switzerland. EPA
    US President Donald Trump is shown on screen as he addresses a plenary session remotely in Davos, Switzerland. EPA
  • Participants queue to enter the Congress Hall. EPA
    Participants queue to enter the Congress Hall. EPA
  • Iraqi President Abdul Latif Rashid. EPA
    Iraqi President Abdul Latif Rashid. EPA
  • Special police stationed on the roof of the Congress Hotel in Davos. EPA
    Special police stationed on the roof of the Congress Hotel in Davos. EPA
  • Former UK prime minister Tony Blair and Syrian Foreign Minister Asaad Al Shibani at the Annual Meeting of World Economic Forum in Davos. AP
    Former UK prime minister Tony Blair and Syrian Foreign Minister Asaad Al Shibani at the Annual Meeting of World Economic Forum in Davos. AP
  • Javier Milei, Argentina's President, during an interview at Bloomberg House at the event. Bloomberg
    Javier Milei, Argentina's President, during an interview at Bloomberg House at the event. Bloomberg
  • Spain's Prime Minister Pedro Sanchez on the podium. AFP
    Spain's Prime Minister Pedro Sanchez on the podium. AFP
  • Iran's Vice President for Strategic Affairs Mohammad Zarif addresses the audience. AFP
    Iran's Vice President for Strategic Affairs Mohammad Zarif addresses the audience. AFP
  • German Chancellor Olaf Scholz, left, and Ukrainian President Volodymyr Zelenskyy. Getty Images
    German Chancellor Olaf Scholz, left, and Ukrainian President Volodymyr Zelenskyy. Getty Images
  • Israel's President Isaac Herzog at the annual meeting in Davos. AP
    Israel's President Isaac Herzog at the annual meeting in Davos. AP
  • Saudi Arabia's Minister of Foreign Affairs Prince Faisal bin Farhan, during the 55th annual meeting of the World Economic Forum in Davos. Reuters
    Saudi Arabia's Minister of Foreign Affairs Prince Faisal bin Farhan, during the 55th annual meeting of the World Economic Forum in Davos. Reuters
  • The Prime Minister and Foreign Minister of Qatar, Sheikh Mohammed bin Abdulrahman, attends the Annual Meeting of the World Economic Forum in Davos. Reuters
    The Prime Minister and Foreign Minister of Qatar, Sheikh Mohammed bin Abdulrahman, attends the Annual Meeting of the World Economic Forum in Davos. Reuters
  • President of South Africa Cyril Ramaphosa speaks at a plenary session. EPA
    President of South Africa Cyril Ramaphosa speaks at a plenary session. EPA
  • Khaldoon Al Mubarak, chief executive of Mubadala Investment Co, during a panel session in Davos. Bloomberg
    Khaldoon Al Mubarak, chief executive of Mubadala Investment Co, during a panel session in Davos. Bloomberg
  • Former British prime minister Theresa May at the 55th annual World Economic Forum. EPA
    Former British prime minister Theresa May at the 55th annual World Economic Forum. EPA
  • Brian Moynihan, chief executive officer of Bank of America Corp, at the forum. Bloomberg
    Brian Moynihan, chief executive officer of Bank of America Corp, at the forum. Bloomberg
  • Ruth Porat, chief financial officer of Alphabet Inc, at Bloomberg House. Bloomberg
    Ruth Porat, chief financial officer of Alphabet Inc, at Bloomberg House. Bloomberg
  • Amir Yaron, governor of Israel's central bank, at the WEF in Davos. Bloomberg
    Amir Yaron, governor of Israel's central bank, at the WEF in Davos. Bloomberg
  • Ngozi Okonjo-Iweala, director general of the World Trade Organisation in Davos. Bloomberg
    Ngozi Okonjo-Iweala, director general of the World Trade Organisation in Davos. Bloomberg
  • From left, Rachel Morison, editor at Bloomberg News, Belgium's Prime Minister Alexander De Croo, Ester Baiget, chief executive of Novozymes, Marc Ferracci, France's Industry and Energy Minister, Martin Lundstedt, chief executive of Volvo, and Anna Borg, chief executive of Vattenfall AB, during a panel session at the World Economic Forum. Bloomberg
    From left, Rachel Morison, editor at Bloomberg News, Belgium's Prime Minister Alexander De Croo, Ester Baiget, chief executive of Novozymes, Marc Ferracci, France's Industry and Energy Minister, Martin Lundstedt, chief executive of Volvo, and Anna Borg, chief executive of Vattenfall AB, during a panel session at the World Economic Forum. Bloomberg
  • Rafael Grossi, director general of International Atomic Energy Agency, speaks at the WEF. Bloomberg
    Rafael Grossi, director general of International Atomic Energy Agency, speaks at the WEF. Bloomberg
  • Mina Al-Oraibi, editor-in-chief of The National, left, Mohamed Kande, global chairman of PwC, second left, Ravi Kumar S, chief executive of Cognizant, second right, and Luc Triangle, general secretary of the International Trade Union Confederation, right, during the panel session titled, Who Benefits from Augmentation? Photo: WEF
    Mina Al-Oraibi, editor-in-chief of The National, left, Mohamed Kande, global chairman of PwC, second left, Ravi Kumar S, chief executive of Cognizant, second right, and Luc Triangle, general secretary of the International Trade Union Confederation, right, during the panel session titled, Who Benefits from Augmentation? Photo: WEF
  • Filippo Grandi, UN High Commissioner for Refugees, speaks during the Refugees and Their Olympian Spirit session. Photo: WEF
    Filippo Grandi, UN High Commissioner for Refugees, speaks during the Refugees and Their Olympian Spirit session. Photo: WEF
  • Bandar Bin Mohammed Al Thani, Governor of the Qatar Central Bank, during the session called Banks: Change on All Fronts? Photo: WEF
    Bandar Bin Mohammed Al Thani, Governor of the Qatar Central Bank, during the session called Banks: Change on All Fronts? Photo: WEF
  • Masomah Ali Zada, chef de mission of the Refugee Olympic Team, France, speaks during the Refugees and Their Olympian Spirit session. Photo: WEF
    Masomah Ali Zada, chef de mission of the Refugee Olympic Team, France, speaks during the Refugees and Their Olympian Spirit session. Photo: WEF
  • Watching the inauguration of Donald Trump as US President on screens, at the Ukraine House, during the World Economic Forum in Davos. AP
    Watching the inauguration of Donald Trump as US President on screens, at the Ukraine House, during the World Economic Forum in Davos. AP
  • Waleed Al Muhairi, deputy group chief executive of Mubadala Investment Company, during a Bloomberg Television interview before the WEF. Bloomberg
    Waleed Al Muhairi, deputy group chief executive of Mubadala Investment Company, during a Bloomberg Television interview before the WEF. Bloomberg

Revolution ahead

In total, the UAE has more than 1.2 million registered companies, with many others set to be registered, Ms Al Hammadi said. Former UK prime minister Tony Blair told the session that the adoption of AI would enhance the way government services were delivered and could save money.

“This instrument, if properly used, will transform everything,” he said. “We’re going to be able to use AI, particularly generative AI, to improve efficiency. That means you can spend less, tax less and deliver greater efficiency.”

Former British prime minister Tony Blair at the World Economic Forum in Davos, Switzerland. AFP
Former British prime minister Tony Blair at the World Economic Forum in Davos, Switzerland. AFP

He said governments were currently “in the foothills of this revolution”, but that making use of the technology would require close collaboration between the public and private sectors.

“The public sector will always be slower than the private sector to catch up, but we should try to accelerate that process,” he said.

In another example of how the UAE is harnessing the power of technology, Mariam Almheiri, Head of the International Affairs Office at the Presidential Court, spoke of the way the authorities are using AI to help smallholders to improve their crop yields.

It could offer useful advice for improving yields in the UAE’s climate, she added.

During a panel discussion titled Breaking Down Food, Ms Almheiri said “one of the most exciting” innovations being introduced by the government was the use of the generative AI technology ChatGPT for food and agriculture. The move was first revealed at the Cop29 climate summit in Azerbaijan in November.

“We eventually want to get this to the smallholder farmers so that they have their agricultural advisers in their pockets,” she said, referring to the way the technology could be delivered using smartphones.

A final version of the technology, known as Chag because it combines ChatGPT and agriculture, should be available in May, said Ms Almheiri, who served previously as minister for climate change and environment and minister of state for food and water security.

“Innovation is key to breaking the food system that we’re unfortunately in,” Ms Almheiri added.

Zodi%20%26%20Tehu%3A%20Princes%20Of%20The%20Desert
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EEric%20Barbier%26nbsp%3B%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EYoussef%20Hajdi%2C%20Nadia%20Benzakour%2C%20Yasser%20Drief%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
Your rights as an employee

The government has taken an increasingly tough line against companies that fail to pay employees on time. Three years ago, the Cabinet passed a decree allowing the government to halt the granting of work permits to companies with wage backlogs.

The new measures passed by the Cabinet in 2016 were an update to the Wage Protection System, which is in place to track whether a company pays its employees on time or not.

If wages are 10 days late, the new measures kick in and the company is alerted it is in breach of labour rules. If wages remain unpaid for a total of 16 days, the authorities can cancel work permits, effectively shutting off operations. Fines of up to Dh5,000 per unpaid employee follow after 60 days.

Despite those measures, late payments remain an issue, particularly in the construction sector. Smaller contractors, such as electrical, plumbing and fit-out businesses, often blame the bigger companies that hire them for wages being late.

The authorities have urged employees to report their companies at the labour ministry or Tawafuq service centres — there are 15 in Abu Dhabi.

Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
Why are asylum seekers being housed in hotels?

The number of asylum applications in the UK has reached a new record high, driven by those illegally entering the country in small boats crossing the English Channel.

A total of 111,084 people applied for asylum in the UK in the year to June 2025, the highest number for any 12-month period since current records began in 2001.

Asylum seekers and their families can be housed in temporary accommodation while their claim is assessed.

The Home Office provides the accommodation, meaning asylum seekers cannot choose where they live.

When there is not enough housing, the Home Office can move people to hotels or large sites like former military bases.

Infiniti QX80 specs

Engine: twin-turbocharged 3.5-liter V6

Power: 450hp

Torque: 700Nm

Price: From Dh450,000, Autograph model from Dh510,000

Available: Now

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Company%20profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20Fasset%0D%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3E2019%0D%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Mohammad%20Raafi%20Hossain%2C%20Daniel%20Ahmed%0D%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%0D%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3EFinTech%0D%3Cbr%3E%3Cstrong%3EInitial%20investment%3A%3C%2Fstrong%3E%20%242.45%20million%0D%3Cbr%3E%3Cstrong%3ECurrent%20number%20of%20staff%3A%3C%2Fstrong%3E%2086%0D%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%3C%2Fstrong%3E%20Pre-series%20B%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Investcorp%2C%20Liberty%20City%20Ventures%2C%20Fatima%20Gobi%20Ventures%2C%20Primal%20Capital%2C%20Wealthwell%20Ventures%2C%20FHS%20Capital%2C%20VN2%20Capital%2C%20local%20family%20offices%3C%2Fp%3E%0A
AL%20BOOM
%3Cp%20style%3D%22text-align%3Ajustify%3B%22%3E%26nbsp%3B%26nbsp%3B%26nbsp%3BDirector%3AAssad%20Al%20Waslati%26nbsp%3B%3C%2Fp%3E%0A%3Cp%20style%3D%22text-align%3Ajustify%3B%22%3E%0DStarring%3A%20Omar%20Al%20Mulla%2C%20Badr%20Hakami%20and%20Rehab%20Al%20Attar%0D%3Cbr%3E%0D%3Cbr%3EStreaming%20on%3A%20ADtv%0D%3Cbr%3E%0D%3Cbr%3ERating%3A%203.5%2F5%0D%3Cbr%3E%0D%3Cbr%3E%3C%2Fp%3E%0A
JOKE'S%20ON%20YOU
%3Cp%3EGoogle%20wasn't%20new%20to%20busting%20out%20April%20Fool's%20jokes%3A%20before%20the%20Gmail%20%22prank%22%2C%20it%20tricked%20users%20with%20%3Ca%20href%3D%22https%3A%2F%2Farchive.google%2Fmentalplex%2F%22%20target%3D%22_blank%22%3Emind-reading%20MentalPlex%20responses%3C%2Fa%3E%20and%20said%3Ca%20href%3D%22https%3A%2F%2Farchive.google%2Fpigeonrank%2F%22%20target%3D%22_blank%22%3E%20well-fed%20pigeons%20were%20running%20its%20search%20engine%20operations%3C%2Fa%3E%20.%3C%2Fp%3E%0A%3Cp%3EIn%20subsequent%20years%2C%20they%20announced%20home%20internet%20services%20through%20your%20toilet%20with%20its%20%22%3Ca%20href%3D%22https%3A%2F%2Farchive.google%2Ftisp%2Finstall.html%22%20target%3D%22_blank%22%3Epatented%20GFlush%20system%3C%2Fa%3E%22%2C%20made%20us%20believe%20the%20Moon's%20surface%20was%20made%20of%20cheese%20and%20unveiled%20a%20dating%20service%20in%20which%20they%20called%20founders%20Sergey%20Brin%20and%20Larry%20Page%20%22%3Ca%20href%3D%22https%3A%2F%2Farchive.google%2Fromance%2Fpress.html%22%20target%3D%22_blank%22%3EStanford%20PhD%20wannabes%3C%2Fa%3E%20%22.%3C%2Fp%3E%0A%3Cp%3EBut%20Gmail%20was%20all%20too%20real%2C%20purportedly%20inspired%20by%20one%20%E2%80%93%20a%20single%20%E2%80%93%20Google%20user%20complaining%20about%20the%20%22poor%20quality%20of%20existing%20email%20services%22%20and%20born%20%22%3Ca%20href%3D%22https%3A%2F%2Fgooglepress.blogspot.com%2F2004%2F04%2Fgoogle-gets-message-launches-gmail.html%22%20target%3D%22_blank%22%3Emillions%20of%20M%26amp%3BMs%20later%3C%2Fa%3E%22.%3C%2Fp%3E%0A
Jurassic%20Park
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3ESteven%20Spielberg%3Cbr%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Sam%20Neill%2C%20Jeff%20Goldblum%20and%20Richard%20Attenborough%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%205%2F5%3C%2Fp%3E%0A
The bio:

Favourite film:

Declan: It was The Commitments but now it’s Bohemian Rhapsody.

Heidi: The Long Kiss Goodnight.

Favourite holiday destination:

Declan: Las Vegas but I also love getting home to Ireland and seeing everyone back home.

Heidi: Australia but my dream destination would be to go to Cuba.

Favourite pastime:

Declan: I love brunching and socializing. Just basically having the craic.

Heidi: Paddleboarding and swimming.

Personal motto:

Declan: Take chances.

Heidi: Live, love, laugh and have no regrets.

 

Updated: January 24, 2025, 7:11 AM