• Tourists from Ukraine arrive at Dubai International Airport on flydubai flight on July 10. Courtesy: Dubai Media Office
    Tourists from Ukraine arrive at Dubai International Airport on flydubai flight on July 10. Courtesy: Dubai Media Office
  • The Covid-19 pandemic requires everyone to maintain hygiene protocols such as wearing a mask and social distancing. AFP
    The Covid-19 pandemic requires everyone to maintain hygiene protocols such as wearing a mask and social distancing. AFP
  • An Indian passenger carries a child as she waits for a repatriation flight from Dubai International Airport. AFP
    An Indian passenger carries a child as she waits for a repatriation flight from Dubai International Airport. AFP
  • Health workers test an Indian citizen at Dubai International Airport before he boards a repatriation flight. AFP
    Health workers test an Indian citizen at Dubai International Airport before he boards a repatriation flight. AFP
  • Medics screen passengers waiting to board repatriation flights at Dubai International Airport. AFP
    Medics screen passengers waiting to board repatriation flights at Dubai International Airport. AFP
  • Passengers heading for Dubai can now be tested for Covid-19 at a greater number of facilities after the Emirates airlines recognised more clinics outside the Pure Health network. Getty Images
    Passengers heading for Dubai can now be tested for Covid-19 at a greater number of facilities after the Emirates airlines recognised more clinics outside the Pure Health network. Getty Images

Travelling to Dubai? Our guide to testing, approvals and quarantine periods for tourists and residents


Shuchita Gautam
  • English
  • Arabic

Dubai has updated the rules for travellers coming to the emirate after an increase in the number of Covid-19 cases in the country.

On January 27, the emirate's Supreme Committee for Crisis and Disaster Management said all passengers must undergo a PCR test before travelling to Dubai, regardless of where they are coming from.

Previously, only six countries were exempt from the preflight PCR test requirement. These included passengers from Saudi Arabia, Kuwait, Bahrain and Oman. Instead, they received a PCR nasal swab on arrival at either of Dubai’s two airports.

From January 31, this will change and new guidelines will be put in place.

What kind of tests are valid to board a flight to Dubai? What are the travel rules and quarantine period for people travelling from Dubai to Abu Dhabi? The National explains.

I’m a tourist coming to Dubai. Should I take a pre-flight PCR test?

All tourists need to show a negative coronavirus test before they board their flight to Dubai.

From January 31, 2021, all passengers, including those coming from GCC countries, should take pre-departure PCR tests before they board their flights to Dubai. The results are valid for 72 hours from the date of the test.

Antibody and home-testing kit results are not accepted. Passengers must carry an official, printed certificate in English or Arabic. SMS and digital certificates are not accepted.

Travellers coming from South Africa will not be allowed to enter Dubai if they have been in the country within 14 days of departure to Dubai. This includes transiting in other countries within 14 days before travelling to Dubai.

Passengers arriving into Dubai from the below countries will be required to take another PCR test on arrival at Dubai International airport.

The two-test rule applies to passengers from the below countries:

Afghanistan, Angola, Argentina, Bangladesh, Brazil, Cambodia, Chile, Croatia, Cyprus, Czech Republic, Djibouti, Egypt, Eritrea, Ethiopia, Georgia, Ghana, Guinea, Hungary, India, Indonesia, Iran, Iraq, Israel, Ivory Coast, Jordan, Kenya, Lebanon, Malta, Montenegro, Morocco, Myanmar, Nepal, Nigeria, Pakistan, Philippines, Romania, Rwanda, Russia, Senegal, Slovakia, Somaliland, South Africa, South Sudan, Sudan, Syria, Tajikistan, Tanzania, Tunisia, Turkmenistan, Uganda, Ukraine, Uzbekistan, Vietnam, Zambia and Zimbabwe.

I am a tourist leaving Dubai? Should I be tested before departure?

Tourists leaving Dubai will need to take a PCR test only if it is required by the country they are travelling to.

Some passengers may need to take a PCR test before they depart or another kind of test if it is specified by a destination country.

For example, there are specific testing requirements and documents passengers need to complete if they are travelling from Dubai to China.

A laser screening centre for Covid-19 on the Dubai-Abu Dhabi border screens thousands of people every day. Antonie Robertson / The National
A laser screening centre for Covid-19 on the Dubai-Abu Dhabi border screens thousands of people every day. Antonie Robertson / The National

I am a Dubai resident travelling back to the emirate. What tests and approvals do I need?

Dubai residence visa holders need a return approval from the General Directorate of Residency and Foreigners Affairs.

From January 31, 2021, all UAE residents, including those coming from GCC countries, should take pre-departure PCR tests before they board their flights to Dubai. The results are valid for 72 hours from the date of the test.

Residents from the below countries will need to take a second PCR test on arrival.

Afghanistan, Angola, Argentina, Bangladesh, Brazil, Cambodia, Chile, Croatia, Cyprus, Czech Republic, Djibouti, Egypt, Eritrea, Ethiopia, Georgia, Ghana, Guinea, Hungary, India, Indonesia, Iran, Iraq, Israel, Ivory Coast, Jordan, Kenya, Lebanon, Malta, Montenegro, Morocco, Myanmar, Nepal, Nigeria, Pakistan, Philippines, Romania, Rwanda, Russia, Senegal, Slovakia, Somaliland, South Africa, South Sudan, Sudan, Syria, Tajikistan, Tanzania, Tunisia, Turkmenistan, Uganda, Ukraine, Uzbekistan, Vietnam, Zambia and Zimbabwe.

Many clinics and testing facilities across Dubai are now offering more affordable PCR tests. Chris Whiteoak / The National
Many clinics and testing facilities across Dubai are now offering more affordable PCR tests. Chris Whiteoak / The National

I am a Dubai resident. Do I need a PCR test before leaving the emirate?

Dubai residents who leave the emirate will need to be tested only if it is required by the country they are travelling to.

But if a resident travels out of Dubai and then returns, he will need the GDFRA approval and must take the PCR test to board the flight back.

Residents do not need Dubai government approval to leave the emirate.

What are the travel rules for people going from Dubai to Abu Dhabi?

All passengers entering Abu Dhabi must have a negative PCR test result taken within 48 hours of landing in the UAE. Travellers may also have to quarantine depending on their point of origin and duration of stay in the country.

Abu Dhabi updated its quarantine, testing and travel regulations on Tuesday.

Travellers from “green countries” will not need to quarantine under the updated Covid-19 safety measures announced by Abu Dhabi Emergency Crisis and Disasters Committee.

The changes are part of a move towards full resumption of economic activities.

If I have just landed in Dubai and want to go to Abu Dhabi, should I get tested?

Those who land in Dubai and head straight to Abu Dhabi must have a negative PCR test result within 48 hours and take a DPI test at the border.

Travellers from green countries must self-isolate until they receive a negative result from the PCR test taken on landing.

The countries currently on the green list are: Australia, Brunei, China, Greece, Greenland, Hong Kong, Malaysia, Mauritius, New Zealand, Saudi Arabia, Singapore, Taiwan, Tajikistan, Thailand, Uzbekistan and Vietnam.

The quarantine period for travellers coming from other countries was reduced to 10 days from 14 in Abu Dhabi.

Travellers intending to stay in the emirate for longer than four consecutive days must undergo a PCR test on day four, and on day 8 if they remain in the emirate for 8 or more consecutive days.

Country classifications will be reviewed every two weeks.

I have been in the UAE for up to 10 days. How many tests should I take and for how long must I quarantine in Abu Dhabi?

In this case, the quarantine period will be reduced by the number of days a passenger has already spent in another emirate. So if a traveller has been in Dubai for six days before entering Abu Dhabi, then the quarantine will be reduced by that time, if required at all, after entering Abu Dhabi.

What are the testing rules for citizens?

Emiratis returning to Dubai were recently exempt from taking a PCR test prior to departure and were tested on arrival.

What are the exceptions?

Volunteers of the Covid‑19 vaccine trials and those who have taken the injections under the national vaccination programmes with active icons on the Alhosn app are exempt from the tests.

Passengers transiting in Dubai are not required to present a test certificate unless it is mandated by their country of origin or final destination.

But passengers transiting through Dubai from the below countries need a negative PCR test taken no more than 72 hours before departure.

These countries are:

Afghanistan, Angola, Argentina, Bangladesh, Brazil, Cambodia, Chile, Croatia, Cyprus, Czech Republic, Djibouti, Egypt, Eritrea, Ethiopia, Georgia, Ghana, Guinea, Hungary, India, Indonesia, Iran, Iraq, Israel, Ivory Coast, Jordan, Kenya, Lebanon, Malta, Montenegro, Morocco, Myanmar, Nepal, Nigeria, Pakistan, Philippines, Romania, Rwanda, Russia, Senegal, Slovakia, Somaliland, South Africa, South Sudan, Sudan, Syria, Tajikistan, Tanzania, Tunisia, Turkmenistan, Uganda, Ukraine, Uzbekistan, Vietnam, Zambia and Zimbabwe.

Children under the age of 12 and passengers who have a moderate or severe disability are exempt from this test.

Transit passengers who have booked a hotel outside the airport, must present a negative PCR test certificate that is valid for 96 hours from the date of the test before departure.

Testing centres on Dubai-Abu Dhabi border in pictures

  • Nearly 6,000 people are tested at the Ghantoot laser centre every day. Antonie Robertson / The National
    Nearly 6,000 people are tested at the Ghantoot laser centre every day. Antonie Robertson / The National
  • Medics at the Ghantoot testing centre on the border between Dubai and Abu Dhabi use a laser technique to scan a blood sample for signs of surging red blood cells, which is an early sign the body is fighting off a virus. Antonie Robertson / The National
    Medics at the Ghantoot testing centre on the border between Dubai and Abu Dhabi use a laser technique to scan a blood sample for signs of surging red blood cells, which is an early sign the body is fighting off a virus. Antonie Robertson / The National
  • A medic testing a commuter for Covid-19. Antonie Robertson / The National
    A medic testing a commuter for Covid-19. Antonie Robertson / The National
  • The results of the Diffractive Phase Interferometry test, or DPI, which detects viral presence in the blood, including Covid-19, are received in minutes via a text message. Antonie Robertson / The National
    The results of the Diffractive Phase Interferometry test, or DPI, which detects viral presence in the blood, including Covid-19, are received in minutes via a text message. Antonie Robertson / The National
  • The test costs Dh50 and is very quick compared with the PCR test that can take time to get a result. Antonie Robertson / The National
    The test costs Dh50 and is very quick compared with the PCR test that can take time to get a result. Antonie Robertson / The National
  • The facility was set up to allow commuters who require a negative Covid-19 test to enter Abu Dhabi. Those with negative results can continue their journey. Antonie Robertson / The National
    The facility was set up to allow commuters who require a negative Covid-19 test to enter Abu Dhabi. Those with negative results can continue their journey. Antonie Robertson / The National
The specs

Engine: 2.0-litre 4cyl turbo

Power: 261hp at 5,500rpm

Torque: 405Nm at 1,750-3,500rpm

Transmission: 9-speed auto

Fuel consumption: 6.9L/100km

On sale: Now

Price: From Dh117,059

Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

Guide to intelligent investing
Investing success often hinges on discipline and perspective. As markets fluctuate, remember these guiding principles:
  • Stay invested: Time in the market, not timing the market, is critical to long-term gains.
  • Rational thinking: Breathe and avoid emotional decision-making; let logic and planning guide your actions.
  • Strategic patience: Understand why you’re investing and allow time for your strategies to unfold.
 
 
Six pitfalls to avoid when trading company stocks

Following fashion

Investing is cyclical, buying last year's winners often means holding this year's losers.

Losing your balance

You end up with too much exposure to an individual company or sector that has taken your fancy.

Being over active

If you chop and change your portfolio too often, dealing charges will eat up your gains.

Running your losers

Investors hate admitting mistakes and hold onto bad stocks hoping they will come good.

Selling in a panic

If you sell up when the market drops, you have locked yourself out of the recovery.

Timing the market

Even the best investor in the world cannot consistently call market movements.

Desert Warrior

Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley

Director: Rupert Wyatt

Rating: 3/5

PFA Team of the Year: David de Gea, Kyle Walker, Jan Vertonghen, Nicolas Otamendi, Marcos Alonso, David Silva, Kevin De Bruyne, Christian Eriksen, Harry Kane, Mohamed Salah, Sergio Aguero

Chef Nobu's advice for eating sushi

“One mistake people always make is adding extra wasabi. There is no need for this, because it should already be there between the rice and the fish.
“When eating nigiri, you must dip the fish – not the rice – in soy sauce, otherwise the rice will collapse. Also, don’t use too much soy sauce or it will make you thirsty. For sushi rolls, dip a little of the rice-covered roll lightly in soy sauce and eat in one bite.
“Chopsticks are acceptable, but really, I recommend using your fingers for sushi. Do use chopsticks for sashimi, though.
“The ginger should be eaten separately as a palette cleanser and used to clear the mouth when switching between different pieces of fish.”

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
Spain drain

CONVICTED

Lionel Messi Found guilty in 2016 of of using companies in Belize, Britain, Switzerland and Uruguay to avoid paying €4.1m in taxes on income earned from image rights. Sentenced to 21 months in jail and fined more than €2m. But prison sentence has since been replaced by another fine of €252,000.

Javier Mascherano Accepted one-year suspended sentence in January 2016 for tax fraud after found guilty of failing to pay €1.5m in taxes for 2011 and 2012. Unlike Messi he avoided trial by admitting to tax evasion.

Angel di Maria Argentina and Paris Saint-Germain star Angel di Maria was fined and given a 16-month prison sentence for tax fraud during his time at Real Madrid. But he is unlikely to go to prison as is normal in Spain for first offences for non-violent crimes carrying sentence of less than two years.

 

SUSPECTED

Cristiano Ronaldo Real Madrid's star striker, accused of evading €14.7m in taxes, appears in court on Monday. Portuguese star faces four charges of fraud through offshore companies.

Jose Mourinho Manchester United manager accused of evading €3.3m in tax in 2011 and 2012, during time in charge at Real Madrid. But Gestifute, which represents him, says he has already settled matter with Spanish tax authorities.

Samuel Eto'o In November 2016, Spanish prosecutors sought jail sentence of 10 years and fines totalling €18m for Cameroonian, accused of failing to pay €3.9m in taxes during time at Barcelona from 2004 to 2009.

Radamel Falcao Colombian striker Falcao suspected of failing to correctly declare €7.4m of income earned from image rights between 2012 and 2013 while at Atletico Madrid. He has since paid €8.2m to Spanish tax authorities, a sum that includes interest on the original amount.

Jorge Mendes Portuguese super-agent put under official investigation last month by Spanish court investigating alleged tax evasion by Falcao, a client of his. He defended himself, telling closed-door hearing he "never" advised players in tax matters.

Avatar: Fire and Ash

Director: James Cameron

Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana

Rating: 4.5/5

UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
HIJRA

Starring: Lamar Faden, Khairiah Nathmy, Nawaf Al-Dhufairy

Director: Shahad Ameen

Rating: 3/5

Key findings of Jenkins report
  • Founder of the Muslim Brotherhood, Hassan al Banna, "accepted the political utility of violence"
  • Views of key Muslim Brotherhood ideologue, Sayyid Qutb, have “consistently been understood” as permitting “the use of extreme violence in the pursuit of the perfect Islamic society” and “never been institutionally disowned” by the movement.
  • Muslim Brotherhood at all levels has repeatedly defended Hamas attacks against Israel, including the use of suicide bombers and the killing of civilians.
  • Laying out the report in the House of Commons, David Cameron told MPs: "The main findings of the review support the conclusion that membership of, association with, or influence by the Muslim Brotherhood should be considered as a possible indicator of extremism."
MATCH INFO

Chelsea 1
Alonso (62')

Huddersfield Town 1
Depoitre (50')

How England have scored their set-piece goals in Russia

Three Penalties

v Panama, Group Stage (Harry Kane)

v Panama, Group Stage (Kane)

v Colombia, Last 16 (Kane)

Four Corners

v Tunisia, Group Stage (Kane, via John Stones header, from Ashley Young corner)

v Tunisia, Group Stage (Kane, via Harry Maguire header, from Kieran Trippier corner)

v Panama, Group Stage (Stones, header, from Trippier corner)

v Sweden, Quarter-Final (Maguire, header, from Young corner)

One Free-Kick

v Panama, Group Stage (Stones, via Jordan Henderson, Kane header, and Raheem Sterling, from Tripper free-kick)

How does ToTok work?

The calling app is available to download on Google Play and Apple App Store

To successfully install ToTok, users are asked to enter their phone number and then create a nickname.

The app then gives users the option add their existing phone contacts, allowing them to immediately contact people also using the application by video or voice call or via message.

Users can also invite other contacts to download ToTok to allow them to make contact through the app.

 

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.”

Brief scoreline:

Crystal Palace 2

Milivojevic 76' (pen), Van Aanholt 88'

Huddersfield Town 0

Our Time Has Come
Alyssa Ayres, Oxford University Press

Pakistan World Cup squad

Sarfraz Ahmed (c), Fakhar Zaman, Imam-ul-Haq, Abid Ali, Babar Azam, Haris Sohail, Shoaib Malik, Mohammad Hafeez(subject to fitness), Imad Wasim, Shadab Khan, Hasan Ali, Faheem Ashraf, Junaid Khan, Shaheen Shah Afridi, Mohammad Hasnain      

Two additions for England ODIs: Mohammad Amir and Asif Ali

match info

Southampton 2 (Ings 32' & pen 89') Tottenham Hotspur 5 (Son 45', 47', 64', & 73', Kane 82')

Man of the match Son Heung-min (Tottenham)

The specs
  • Engine: 3.9-litre twin-turbo V8
  • Power: 640hp
  • Torque: 760nm
  • On sale: 2026
  • Price: Not announced yet
The%20specs
%3Cp%3E%3Cstrong%3EPowertrain%3A%20%3C%2Fstrong%3ESingle%20electric%20motor%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E201hp%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E310Nm%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3ESingle-speed%20auto%0D%3Cbr%3E%3Cstrong%3EBattery%3A%20%3C%2Fstrong%3E53kWh%20lithium-ion%20battery%20pack%20(GS%20base%20model)%3B%2070kWh%20battery%20pack%20(GF)%0D%3Cbr%3E%3Cstrong%3ETouring%20range%3A%20%3C%2Fstrong%3E350km%20(GS)%3B%20480km%20(GF)%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh129%2C900%20(GS)%3B%20Dh149%2C000%20(GF)%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%3C%2Fstrong%3E%20Now%3C%2Fp%3E%0A
Groom and Two Brides

Director: Elie Semaan

Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla

Rating: 3/5

The specs: 2019 Cadillac XT4

Price, base: Dh145,000

Engine: 2.0-litre turbocharged in-line four-cylinder engine

Transmission: Nine-speed automatic

Power: 237hp @ 5,000rpm

Torque: 350Nm @ 1,500rpm

Fuel economy, combined: 8.7L / 100km

MATCH INFO

Uefa Champions League, last-16. first leg

Atletico Madrid v Juventus, midnight (Thursday), BeIN Sports

WHAT%20START-UPS%20IS%20VISA%20SEEKING%3F
%3Cp%3E%3Cstrong%3EEnablers%20of%20digital%20services%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Blockchain%20and%20cryptocurrency%3Cbr%3E%E2%80%A2%20Crowdfunding%3Cbr%3E%E2%80%A2%20Banking-as-a-service%3Cbr%3E%E2%80%A2%20Banking%20identification%20number%20sponsors%3Cbr%3E%E2%80%A2%20Issuers%2Fprocessors%3Cbr%3E%E2%80%A2%20Programme%20managers%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EDigital%20issuance%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Blockchain%20and%20cryptocurrency%3Cbr%3E%E2%80%A2%20Alternative%20lending%3Cbr%3E%E2%80%A2%20Personal%20financial%20management%3Cbr%3E%E2%80%A2%20Money%20transfer%20and%20remittance%3Cbr%3E%E2%80%A2%20Digital%20banking%20(neo%20banks)%3Cbr%3E%E2%80%A2%20Digital%20wallets%2C%20peer-to-peer%20and%20transfers%3Cbr%3E%E2%80%A2%20Employee%20benefits%3Cbr%3E%E2%80%A2%20Payables%3Cbr%3E%E2%80%A2%20Corporate%20cards%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EValue-add%20for%20merchants%2Fconsumers%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Data%20and%20analytics%3Cbr%3E%E2%80%A2%20ID%2C%20authentication%20and%20security%3Cbr%3E%E2%80%A2%20Insurance%20technology%3Cbr%3E%E2%80%A2%20Loyalty%3Cbr%3E%E2%80%A2%20Merchant%20services%20and%20tools%3Cbr%3E%E2%80%A2%20Process%20and%20payment%20infrastructure%3Cbr%3E%E2%80%A2%20Retail%20technology%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESME%20recovery%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Money%20movement%3Cbr%3E%E2%80%A2%20Acceptance%3Cbr%3E%E2%80%A2%20Risk%20management%3Cbr%3E%E2%80%A2%20Brand%20management%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ENew%20categories%20for%202023%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Sustainable%20FinTechs%3Cbr%3E%E2%80%A2%20Risk%3Cbr%3E%E2%80%A2%20Urban%20mobility%3C%2Fp%3E%0A