A look inside Emirates ID production facility and control centre. Victor Besa/The National
A look inside Emirates ID production facility and control centre. Victor Besa/The National
A look inside Emirates ID production facility and control centre. Victor Besa/The National
A look inside Emirates ID production facility and control centre. Victor Besa/The National


A new Emirates ID for the future


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April 07, 2022

The UAE's Federal Authority for Identity, Citizenship, Customs and Port Security has a vital job. Set up in 2004, one of its responsibilities is managing identity, employment and other biographical data for the country’s entire population.

Decades ago, the need for such an agency was less pressing. In 1971, the year the Emirates was founded, fewer than 280,000 people called the country home, including a far smaller share of foreign residents than today. By 2004, it was a very different picture, as population levels rose to more than 4 million. The new agency responded by creating the Emirates ID, a document that is permanently evolving to match an ever-changing society.

Today, the Emirates ID is a fundamental part of UAE life, used not only as proof of residency, but even as a health insurance card. Soon, it will be used as a kind of travel document, too. This year, as the population exceeds 10 million, authorities are implementing a major update to the card, announcing that from April 11 it will serve as a replacement to visa stickers inserted into foreign residents’ passports. The move is another step towards simplifying the way residents interact with government, a mission that has received particular attention in recent years, in large part made possible by the release of a new generation of cards last August. New features include non-visible data and a service life of more than 10 years.

  • The new Emirates ID looks like this. Stan Cooper / The National
    The new Emirates ID looks like this. Stan Cooper / The National
  • And these are the new features it includes. Stan Cooper / The National
    And these are the new features it includes. Stan Cooper / The National
  • The card includes a 3D picture. The date of birth of the cardholder is visible, and there is enhanced protection of non-visible data. Employment information can also be stored. Victor Besa / The National
    The card includes a 3D picture. The date of birth of the cardholder is visible, and there is enhanced protection of non-visible data. Employment information can also be stored. Victor Besa / The National
  • If your Emirates ID has expired you can download a digital version. Services and businesses have been instructed to accept it everywhere. Victor Besa / The National
    If your Emirates ID has expired you can download a digital version. Services and businesses have been instructed to accept it everywhere. Victor Besa / The National
  • A copy of the EID can be downloaded using the UAE Pass app, available on the Apple and Android stores. Victor Besa / The National
    A copy of the EID can be downloaded using the UAE Pass app, available on the Apple and Android stores. Victor Besa / The National
  • You can also get a digital ID via the ICA UAE Smart app, which can be downloaded free from the Apple and Android stores. Victor Besa / The National
    You can also get a digital ID via the ICA UAE Smart app, which can be downloaded free from the Apple and Android stores. Victor Besa / The National
  • The first recipients of the new cards will be those whose current Emirates ID has expired, as well as those requesting replacements for lost or damaged cards. Victor Besa / The National
    The first recipients of the new cards will be those whose current Emirates ID has expired, as well as those requesting replacements for lost or damaged cards. Victor Besa / The National
  • The Federal Authority for Identity and Citizenship Building in Khalifa City, Abu Dhabi. Victor Besa / The National
    The Federal Authority for Identity and Citizenship Building in Khalifa City, Abu Dhabi. Victor Besa / The National

This efficiency is about more than people spending less time accessing and waiting for services, although that is still an important goal. It is about creating a state that can stay flexible in the face of rapid technological change. The UAE is aiming to make itself a leader in this regard. In 2013, it launched Smart Government, an initiative that seeks to create a "government that never sleeps", is as "hospitable as hotels" and helps people be happy, among other targets. Technology will make this possible, as only it can keep pace with the rapid comings-and-goings of the modern UAE economy.

But new technology in identity checks is about more than efficiency. As people, money and goods become more mobile, keeping track of crime and fraud is harder. Perhaps the biggest security change to identity documents in recent years has been the use of biometric data, including fingerprints, facial recognition and eye scanners, technology endorsed heavily by the International Civil Aviation Organisation. In the UAE, such records are stored in encrypted formats for extra security. Other physical changes to official documents include increasingly complex holograms, intaglio printing (images that can only be seen at particular angles), sophisticated edge design on the ends of pages, watermarks and, crucially, polycarbonate materials, far harder to tamper with and replicate than paper. Finland has led in this regard, using the technique in its driver’s licence in 1989 and in its passport data page in 1995. Printed visa stickers, far easier to copy, will probably be on the way out globally in the decades ahead.

The UAE, a country with such a high share of its growing population on visas, is putting itself at the forefront of this change. If it can execute its wider goal of simplifying the relationship between state and citizen, it will be at the forefront of many other significant changes to come.

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.”

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Saturday, May 16 (kick-offs UAE time)

Borussia Dortmund v Schalke (4.30pm) 
RB Leipzig v Freiburg (4.30pm) 
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Fortuna Dusseldorf v Paderborn  (4.30pm) 
Augsburg v Wolfsburg (4.30pm) 
Eintracht Frankfurt v Borussia Monchengladbach (7.30pm)

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Updated: April 07, 2022, 3:05 AM