



"The future belongs to those who embrace AI, not fear it."


"The future belongs to those who embrace AI, not fear it."
TheMiddleEaststandsattheforefrontofa technologicalrevolution,withAIrapidly reshapingindustries,economies,andsocieties.As weenter2025,theregioniswitnessinganunprecedented surgeinAI-driveninnovation,poweredbyvisionary leaderswhoareredefiningtheboundariesofwhat’s possible.CIOLookinthisspecialeditionof, Middle East’s 10 Most Visionary Business Leaders Driving the Future of Cutting-Edge AI Technologies in 2025, celebratesthepioneerswhoarenotjustembracingAIbut areactivelyshapingitsevolution.
FromAI-poweredfinancialsolutionstobreakthroughsin healthcare,smartcities,andautonomoussystems,these leadersaredrivingtransformationsthataresettingnew globalbenchmarks.Theireffortsarenotonlypropelling theirorganizationsforwardbutalsopositioningtheMiddle
EastasahubforAIexcellence.Withgovernments prioritizingAIinnationalstrategiesandinvestments surgingacrosssectors,thisregionispoisedtobeaglobal leaderinartificialintelligence.
Thiseditionoffersanin-depthlookatthejourneysofthese trailblazers—theirboldvisions,disruptiveinnovations, andtheimpacttheyarecreating.Whetheryouarean entrepreneur,investor,ortechnologyenthusiast,their storiesprovidevaluableinsightsintotheAI-powered futurethatawaitsus.
Joinusinexploringthemindsbehindtherevolution,aswe spotlightthethoughtleaderswhoaredrivingtheMiddle EastintothenexteraofAI-poweredprogress.
Propelling Ezipay as a Visionary Leader in AI and Fintech
A R T I C L E S
A Comparative Analysis
Regulatory Frameworks Shaping the Middle East AI Industry
Healthcare Revolution
Middle East AI Industry Drives Medical Innova on
PoojaMBansal Editor-in-Chief
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February,2025
AliHirsa
DirectorofCenterfor AIinBusinessAnalytics andFinancialTechnology
AlisaMiller
ChiefAIOfficerand BoardMember
AmarDrawid,Ph.D.
ChiefAI&Business
ConsultingOfficer
ColumbiaUniversity columbia.edu
HirsaisaColumbiaUniversityprofessorspecializingin algorithmictrading,machinelearning,andquantitativefinance.
AletheiaMarketing&Media aletheia.com
AgilisiumConsulting biontech.com
AlisaisatrailblazingC-levelleaderandboarddirectorbest knownfortransformingsectorsthroughscalableinnovation anddrivingexceptionalbusinessoutcomesamiddisruptive technologicalchange.
Dr.Drawidhasaunique25yearAI,dataanalysisanddigital leadershipexperiencespanningCommercial(USandGlobal), MedicalAffairs,Research(bioinformatics),Development (translationalmedicine),FinanceandBusinessConsulting.
AmitGaur
ChiefExecutiveOfficer
BilalHasan GeneralManagerof SupplyChainServices
JasonWells ChiefAIOfficer
ArtificialIntelligence Technologies aituniversal.com
Withover25yearsofexperienceinthefinanceandtechnology sectors,Amithasaproventrackrecordofdeliveringsustained businessvalueandturnaroundgrowthindynamicandchanging markets.
BilalisananalyticalandcreativeSupplyChaindirectorwith more15yearsofsuccessinmanagementandconsulting supportedwithhighmanagementandcommunicationskills. solutionsbystc solutions.com
NOWCFO nowcfo.com
JasonhasledtransformationsatSonyPictures,Sprint,and Telstradeliveringtangibleoutcomesvianext-gensolutions.
JeffHunter ChiefAIOfficer
Ankura ankura.com
Prasanna Gopalakrishnan
GlobalChiefProduct andAIOfficer
RoshenMathew ChiefAI&Innovation Officer
TimoSelvaraj Co-Founder& ChiefProductOfficer
ADP adp.com
SSCGMediaGroup scs.org
SearchBloxSoftware,Inc. searchblox.com
Withover25yearsofexperienceinAI,datascience,and digitaltransformation,Jeffhelpsclientsleveragecutting-edge technologiestoachievebusinesssuccess.
WithoveradecadeofdedicatedexperiencePrasannahasbeen attheforefrontofdrivingdigitaltransformationinitiativesthat harnessthepowerofemergingtechnologiesandcatertothe needsofGenAI.
Roshenhasadiversecareer,spanningroleswithatechnology servicessupplierinYahoo,tooverfifteenyearsagency-side withintheOmnicomGroup,thenseveralyearsclient-sidewith AT&T’smedia&sponsorshipsorganization.
Selvarajhasover20yearsofexperienceindevelopingand deliveringcutting-edgesolutionsforknowledgemanagement, textanalytics,andunstructureddatamining.
Propelling Ezipay as a Visionary Leader in AI and Fintech
Popular for his strategic acumen and customer-centric philosophy, Mr. Amit combines innovative foresight with pragmatic leadership to address diverse market needs.
I T
T
Mr.
AmitGaur ChiefExecutiveOfficer
ArtificialIntelligence Technologies
LimitedTradingasEzipay
Thefintechindustryhasrevolutionizedhowfinancial
servicesareaccessedandutilizedglobally As technologyprogresses,ithasenabledinnovative solutionsthatcatertodiverseneeds,fromseamlessmoney transferstodigitalwallets.Thistransformationisreshaping economiesandredefiningcustomerexperiences.Fintech continuestoexpanditsreachbyintegratingadvanced technologieslikeblockchainandartificialintelligence, creatingopportunitiesforsecureandefficientfinancial systems.Theseadvancementsarebridginggapsand unlockingpossibilities,makingfinancialservicesmore inclusiveandadaptabletoafast-changingworld.
Inthistransformativespace,Mr.AmitGauremergesasa leadershapingthefutureoffintech.AstheChiefExecutive OfficerofArtificialIntelligenceTechnologiesLimited, TradingasEzipay,hebringsavisionaryapproachto reimaginingdigitalbankingandfinancialtechnology Popularforhisstrategicacumenandcustomer-centric philosophy,Mr Amitcombinesinnovativeforesightwith pragmaticleadershiptoaddressdiversemarketneeds.His abilitytoadaptemergingtechnologiestocreateimpactful solutionsreflectshisdedicationtorevolutionizingthe industryanddrivingeconomicinclusionacrossregions.
UnderMr Amit’sleadership,Ezipayhasgrownfroma startupintoaglobalfintechpowerhousesinceitsinception in2017.Thecompanyhasintroducedtransformative initiativessuchastheEzipayGlobalDigitalBankWallet App,whichoffersusersawiderangeofservicesinover 150countries.Ezipay’sinnovativeapproachhasenabledit toaddressregionalchallengeswhileexpandingitspresence acrossdiversemarkets,includingAfricaandbeyond.With itscommitmenttousingadvancedtechnologiesand deliveringimpactfulsolutions,Ezipayissettingnew benchmarksforsuccessinthefintechsector,solidifyingits positionasaleaderindigitalfinance.
Let’s explore Mr. Amit’s inventive financial tech leadership:
EzipayoriginatedinAfricaasafintechstartup,beginning itsjourneytowardinnovationandglobalreach.A significantmilestoneinitsgrowthstorywasobtaininga DigitalBankLicensefromMauritius,whichopeneddoors tointernationalmarkets.Thisachievementlaidthe groundworkforlaunchingtheEzipayGlobalDigitalBank WalletApp,nowaccessibleinover150countries.
Mr. Amit’s ability to adapt emerging technologies to create impactful solutions reects his dedication to revolutionizing the industry and driving economic inclusion across regions. “ “
Thisplatformprovidesaseamlessexperienceforusers, offeringservicessuchasmoneytransfers,billpayments, andvirtualcards.Witharobustfocusonsecurityand efficiency,theapphasgainedwidespreadpopularity, amassingnearlyhalfamillionusersworldwide.
ThedrivingforcebehindEzipay’sremarkableprogressis Mr Amit’svisionandanunwaveringcommitmentto deliveringuser-friendlyandimpactfulsolutions.This customer-firstapproachhassetEzipayapartinthedigital bankingsector,enablingittocatertoadiverseaudience andbuildastrongpresenceworldwide.Ezipayisreshaping howfinancialservicesaredeliveredandaccessedglobally throughcontinuousimprovementandafocuson innovation.
WithMr Amit’sleadership,Ezipayhasexpandedits influencebeyonddigitalbanking.Thecompanyhas strategicallygrownacrossregionssuchasGhana,Sierra Leone,Francophone,andCentralAfrica,introducing subsidiariesdesignedtooperateinlocalcurrencies.
Thisinitiativeaddressesthespecificneedsofthesemarkets byenablingremittancesandcraftingpaymentgateways tailoredtosupportsmallandmediumenterprises.This regionalapproachunderscoresGaur’scommitmentto addressinglocalizedchallengeswhilecontributingto broadereconomicdevelopment.
AmongEzipay’sinnovativeventuresisEziVote,India’s firstpolitical-basedfantasygamingapp,reflectingGaur’s abilitytobringcreativeideastolifebyblendingfinanceand gaming.Alongsidethis,JeetoAbhi,aglobalonlinegaming platform,andIripash,adigitallearninghub,further illustrateEzipay’suniquetechnologyintegrationinto diversesectors.
Theseinitiativesdemonstratethecompany’sabilityto innovateandconnectwithaudiencesthroughsolutionsthat mergefinancialexpertisewitheverydayapplications.These solutionscreatenewopportunitiesacrossindustrieswhile meetingthegrowingneedsofitscustomers.
ThegrowthstoryofEzipayunderMr.Amit'sleadershipis remarkable.In2024,thecompanyreachedaturnoverof USD500millionwithaprofitbeforetaxofUSD5million, adramaticincreasefromamodestUSD1milliontotal turnoverin2017.Thisextraordinaryprogressreflectsa visiondrivenbyinnovationandcarefullyplanned investments.WithitssightssetonachievingUSD1billion inrevenueby2025,Ezipayischartingapathofbold ambition.
Thistrajectoryissupportedbytheorganization's commitmenttoadvancingitscapabilitiesinblockchainand artificialintelligence,twoareasthatMr Amitrecognizesas indispensabletotheprogressofthefintechsector.By focusingonthesetechnologies,Ezipayisaligningitself withthebroadertrendsshapingthefutureoffinancial services.Theseadvancementsstrengthenthecompany’s competitivepositionandopenupnewpossibilitiesfor enhancingcustomerexperiencesandoperationalefficiency, ensuringthatEzipaycontinuestosetbenchmarksfor growthandinnovationinthefintechindustry
EzipayhasintroducedEzipayCoin,markinganewchapter initsjourneytointegrateadvancedtechnologywith practicalapplications.Developedincollaborationwith BinanceSmartChain,thisinitiativeaimstoredefine variousaspectsofitsoperations,includingremittances, gaming,andcustomerrewardsystems.Withthislaunch, Ezipayshowcasesitscommitmenttostayingaheadof technologicaladvancementswhileaddressingtheneedsof itsdiverseuserbase.
TheintroductionofEzipayCoindemonstratesavisionthat seamlesslyalignsinnovationwiththecompany’sgoals, creatingopportunitiesforenhancedefficiencyanduser engagement.Byintegratingblockchaintechnologyintoits ecosystem,Ezipaypavesthewayforimprovedprocesses andinnovativesolutionsthatbenefitcustomersandpartners alike.
ThisinitiativeisastepforwardforEzipayandestablishesa standardforhowtechnologycanreshapeindustries. Throughthisprogressiveapproach,Ezipayunderscoresits dedicationtodrivingmeaningfulchangesindigital solutionsacrossvarioussectors,settingahighstandardfor otherstofollow
Mr.Amit’svisioncombinesforward-thinkingwithastrong senseofdetermination,guidingEzipay’sgrowthinthe fintechindustry.Hisleadershiphaspositionedthecompany asastandoutinthesector,aimingtoparticipateinand shapethefutureactively Withaclearfocusoninnovation
Mr. Amit’s guidance represents more than just a company's growth; it signies the development of an entire sector.
Mr. Amit's transformative leadership makes Ezipay a symbol of progress and change in ntech, particularly across the Middle East and beyond.
andpracticalsolutions,Mr.AmithastransformedEzipay intoamodelofsuccess,offeringbothinspirationand tangiblestrategiesforaspiringentrepreneursand establishedbusinesses.
Hisapproachhighlightstheintegrationoftechnologyto promoteeconomicgrowthonaglobalscale,offering businessesablueprintforsuccessinanincreasinglydigital world.AsEzipaycontinuestogrow,itseffortswithMr. Amit'sguidanceprovidevaluableinsightsintohow companiescanharnesstechnologytodriveprogressand meettheneedsofadiverseandever-changingmarket.His leadershipstyleblendscreativitywithaction,ensuringthat Ezipaynotonlyadaptstochangesbutleadsthem, contributingmeaningfullytotheexpansionoftheglobal economy.
Mr Amitaimstoestablishalastingimpactbuilton relentlessinnovationandadeepunderstandingofhow technologyreshapesthefinanceindustry.Hisleadershipat Ezipaydemonstrateshisdedicationtobreakingdown traditionalbarriersindigitalfinance.Withastrongfocuson inclusivity,hestrivestomakefinancialservicesaccessible toall,regardlessofbackgroundorgeography.By embracingcutting-edgetechnologieslikeartificial intelligenceandblockchain,Mr Amitsetsthestagefora futurethatthrivesonintelligentautomationandsecure, transparenttransactions.
Hisapproachisdrivenbyadesiretocreatemorethanjust financialsystems—heenvisionsadigitalecosystemthat empowersindividualsandbusinessesalike,ensuringthatno oneisleftbehindinthetechnologicalwavethatcontinues tochangehowtheworldinteractswithmoney Throughhis work,Mr Amitcontributestoafuturewheredigitaltools andsolutionsopennewopportunities,creatingamore connectedandefficientfinancialworldforeveryone.
Mr.Amit'stransformativeleadershipmakesEzipaya symbolofprogressandchangeinfintech,particularly acrosstheMiddleEastandbeyond.Hisguidancerepresents morethanjustacompany'sgrowth—itsignifiesthe developmentofanentiresector Withakeenmindandan innovativevision,Mr.AmithasshapedEzipayintoa companythatchallengestraditionalbusinessmodelsand seeksnew,innovativehorizons.Hisleadershiphas introducedanentirelyfreshperspectiveonwhatispossible inthefintechspace.
Ezipay Coin is an initiative by the Ezipay Group that aims to transform digital financial transactions. Designed as a utility token, its primary mission is to enhance how individuals and businesses handle payments, rewards, and investments.
Mr Amit’sinfluenceextendsbeyondthewallsofEzipay,as hehasdrivenanentireindustrytowarduncharted opportunities.Withtirelessenergyandarelentlesspursuit ofexcellence,hehashelpedEzipayestablishitselfasa significantforcewithintheglobalfintechcommunity.His abilitytoforeseefuturetrends,coupledwithhisstrategic mindset,haspositionedEzipayasaparticipantandakey leader,shapingthenextphaseoftheindustry’sgrowth.As thecompanymovesforward,theimpactofMr Amit’s leadershipcontinuestoreachfarandwide,transformingthe financialsectorprofoundly.
ArtificialIntelligence(AI)hasemergedasa
transformativeforceacrosstheglobe,reshaping industries,governments,andsocieties.Withitsfast technologicalprowessandambitiousdigitaltransformation agendas,theMiddleEasthasnurturedagrowinglystronger allegiancetoAIasacorepropellerofeconomicandsocial growth.Growingconcernsoverethics,security,data privacy,andgovernanceparallelallthisdevelopmentinAI. Consequently,regulatoryframeworksareboundtobean instrumentalpartoftheregion’sAIsectorconstruct.This articlepresentsacomparativeanalysisoftheAIregulatory frameworksintheMiddleEast,observinghowkeynations positionthemselvesintheglobalraceforAIdominance.
TheUAEhasontheheadofAIgovernance,aspiringto becometheworldleaderinregardstoAIinnovation. Notablechangesweremadein2017whentheUnitedArab Emiratesappointedtheworld’sfirstMinisterofStatefor ArtificialIntelligence,indicatingthecountry’s determinationtowardAI-fueledprogress.WithitsNational AIStrategy2031,theUAEseekstoformasolidAI ecosystemfocusingongovernance,talentenhancement, andindustrylinkage.Ithasalsoinitiatedethicalguidelines andnormativepoliciestowardsAIemploymentacross sectors,offeringprimeimportancetotransparency, accountability,andmitigationofrisks.
SaudiArabia’sVision-DrivenAIStrategy
SaudiArabiahaspropelleditselfasthepacesetterinAI regulationbyvirtueofambitiousVision2030.The country’sNSDAIbasicallysetsobjectivesforusingAIto ensureeconomicdiversificationandsocietaldevelopment. SDAIAplaysakeyroleinthegovernanceofAIby ensuringthatitsdevelopmentisinlinewithnationaland globalbestinterests.
AmongmanyotherdirectivesthatSaudiArabiahasputin placetoharmonizeAIdevelopmentwithethics,other directivesthathavebeenintroducedincludeallthose principlesinitiatedbySDAIAmeanttoensurethatAIis fair,maintainsprivacy,andissafetouse,alongwith conformitytotheethicalandlegalframeworks.Ithas broughtstringentlawssuchasthePDPL,whichimposes thatAImusthaveveryclearconsentmechanismsand accountabilityfordataprocessing.Ithasalsoparticipatedin globalAIgovernanceincooperationwithinternational organizations,contributingtoframeworksensuring responsibleAIadaptation.
QatartookunprecedentedstepstowardregulatingAI throughresearch,governance,andethicalendeavors.The NationalAIStrategyaimstopositionQataramongthe leadingcountriesforautomationimplementation,with ethics,transparency,andsocialimpacttakingcenterstage. QatarhasestablishedseveralregulatoryframeworksforAI applicationsinhealthcare,finance,andeducation.
QatarCenterforArtificialIntelligence(QCAI),operating undertheQatarComputingResearchInstitute(QCRI),is keyinformulatingAIpoliciesandguidelines.Ithasalso introduceddataprotectionlawsthatcontrolAI-drivendata processing,ensuringcompliancewithinternationalnorms. Qatar’sgovernanceapproachisdeeplyrootedinethics, wherebyhumaneAIcouldminimizebiasesand discriminationinAIsystems.
BahrainhasadoptedabalancedAIregulationfocusingon innovationwhileaddressingethicalandsafetyconcerns. ThecountryhasproactivelyengagedinAIforitsdigital economy,focusingonfinancialtechnologies(FinTech)and governmentalservices.SinceAIfuelseconomicgrowth, BahrainEconomicVision2030hassteereditscourse towardsdevelopingregulatorypoliciestoensure responsibleAIadoptions.Bahrain’sPDPListhebedrockof theregulationofAIandcomprehensivelygivesdirections ondataprivacyandsecurity
TheAIregulatoryframeworksintheMiddleEastreflecta widearrayofconsiderationsandapproaches.Theleaders areremarkablytwocountries:UAEandSaudiArabia.Both
enactedcomprehensiveAIstrategiesthatcenteraround balancinginnovationandethicalnorms.QatarandBahrain focusedonsector-specificAIregulationsthatmeant responsibledeploymentforcriticalindustries.Meanwhile, EgyptisstilllayingthegroundworkinestablishinganAI governanceframework,focusingonresearchandeducation.
Encouragingly,thesharedthemesinMiddleEasternAI regulationsthatarediscernibleinvolvedataprivacy, principlesguidingethicalAIuse,andcooperationwith internationalorganizations.Theregionisnowsteadily adaptingitsAIgovernancemodelstomeetinternational standardsandbecompetitiveintheglobalAIsector
TheMiddleEastheadsuptheleagueofAIdevelopmentas countriesadoptvaryingregulatoryframeworksfor overcomingtheintricaciesofAIgovernance.AsAI revolutionizesindustriesandsocieties,suchMiddleEast nationsmustbeagiletomodifytheirregulatory environmenttocultivateinnovationwhileputtingin safeguardsforethicalandsecurityconcerns.Actinguponit, theycouldpositionthemselvesasinfluentialfrontrunnersin theAI-drivendigitaleconomy.
TheMiddleEast'shealthcareindustryisundergoing
amajorrevolutionthroughtheadoptionof ArtificialIntelligence(AI).MiddleEasternnations areheavilyinvestinginAIanddigitalhealthplatformsto automateprocesses,enhancepatientcare,anddrive operationalefficiency Thetechnologywaveistransforming thewaymedicalprofessionalsprovidecare,diagnose illnesses,andhandlepatientdata,potentiallypumpinga substantialamountofmoneyintotheMiddleEasteconomy by2030.
AIisbeingutilizedinmultipleareasofhealthcareinthe MiddleEast:
• DiagnosticsandTreatmentPlanning:AIimproves diagnosticperformanceandtreatmentplanningby rapidlyprocessingintricatemedicaldata.Forinstance, AIisusedforcancerdiagnosisandtreatmentplanning insomehospitalsinRiyadh.
• DrugDiscoveryandDevelopment:AIexpeditesthe processofdrugdiscovery AI-baseddrugsarebeing developedformultiplediseasesbycompanies.
• PredictiveAnalytics:Predictivepatientbehavioris predictedbymachinelearningalgorithmstooptimize theuseofresourcesanddeliveryofcare.CertainSaudi Arabianmedicalcentersareapplyingmachinelearning forthis.
• DigitalAvatarsforPersonalizedHealth:AI-based digitalavatarshavebeendevelopedbyorganizations thatanalyzecomplexmulti-omicsmedicaldatatogive personalizedhealthadvice.
• StreamliningProcesses:AIsimplifiesinsurance claimsprocessingandenhancescashflowmanagement forhealthcareproviders.Partnershipsareagood exampleofthisapplication.
• Robotics:Robotsarebeingusedtoenhanceaccuracy, decreasediseasespread,andimproveworkplacesafety andproductivity.SomehospitalsemployAIduring surgeries,endoscopictreatments,andcardiac monitoringdevices.
• VirtualCare:GenerativeAIisbeingusedtoenhance patientcareoutcomesbyusing"smart"virtualcare nursingplatformsinemergencyrooms,operating rooms,intensivecareunits,andneonatalunits.
AnumberofMiddleEasterncountriesareleadingtheway inembracingAIintheirhealthcaresystems:
SaudiArabia:UnderitsVisionplan,SaudiArabiaseeksto revolutionizeitshealthcaresystemwithtechnology, particularlyinofferingcomprehensivehealthservicesand adoptingacentralizeddigitalmedicalrecordsystem.Saudi ArabianMinistryofHealthhasjoinedhandswith technologyfirmstorolloutAI-basedsolutionsinmedical imagingandpredictiveanalytics.
UnitedArabEmirates(UAE):TheUAEisinterestedin AIprecisionhealth,withorganizationslaunchingAI-based digitalavatarsthatcanreadsophisticatedmulti-omics clinicaldata.Thecountry'shealthservicehasalso collaboratedwithbusinessestodeveloppatientcare outcomeswithgenerativeAI.
Kuwait:KuwaitisapplyingAItosurgeries,endoscopic interventions,andcardiacmonitoringequipment.Doctors inthecountryarealsousing3Dequipmenttodevelop visualizationsofpatients'internalorgansforuseduring interventions.
Bahrain:Bahrain'sdedicationtohealthcareinnovationis reflectedinhospitals,whichisconcentratedoninnovative technologiesindigitalmedicineandAI.
ChallengesandOpportunities
AlthoughtheintegrationofAIinhealthcareismovingfast, thereareissuestoovercome:
• Datasecurityandprivacy:Itisimportanttosecure sensitivepatientinformation.
• Seamlessintegrationwithexistingsystems:AI-based solutionsmustbeintegratedintoexistinghealthcare
infrastructureinaseamlessmanner.
• Regulatoryframeworks:Well-definedguidelinesand regulationsmustbeestablishedtocontrolthe applicationofAIinhealthcare.
Inspiteofallthese,theMiddleEasthasthepotentialtobe attheforefrontasaglobalpowerinAI-enabledhealthcare solutions.Growingdigitalization,public-private partnerships,andtheexpansionofmedicaltourismare acceleratingthesector.
ThefutureofhealthcareintheMiddleEastisincreasingly personal,predictive,andpoweredbydataandAI.With continuousinvestmentsintechnologyandinnovation,the regionisexpectedtoseesignificantenhancementsinthe qualityofcareoverthenextdecade.Thisgrowthreflects theincreasingrecognitionofAI'spotentialtorevolutionize healthcareandimprovepatientoutcomes.
“The best way to predict the future is to create it-with AI at the helm.”