Every generation must build something meaningful. My generation built institutions. The next must build technologies that make those institutions irrelevant.
Digital banking is not a feature. It is the entire future of how people interact with money. We had to become a technology company that happens to have a banking licence.
The UAE's success comes from the willingness of its people to work harder than anyone else. That culture is what we must protect.
Banking is not just about money. It is about trust, and trust takes decades to build but only moments to lose.
We made a one billion dollar commitment to education because talent is the Arab world's most underdeveloped asset. The return on that investment will outlast anything else we build.
If you want to understand where the Middle East is going, do not watch the oil price. Watch what the young people are building.