Under the agreement, Dataroid will provide tools that include real-time dashboards, behavioural analytics, customer journey mapping and in-app messaging, enabling Ajman Bank to better tailor its mobile and online services. The bank aims to bridge technical insight with customer needs, embedding predictive decisioning and automated engagement in its processes.
Mustafa Al Khalfawi, Chief Executive Officer of Ajman Bank, said the partnership will “enhance [its] ability to understand and anticipate customer needs, transforming data into meaningful action,” while emphasising that the bank’s approach remains anchored in Sharia-compliant, trust-based digital banking. Dataroid’s Co-Founder, Elif Parlak, described the collaboration as a chance to “redefine what intelligent and digital banking can achieve,” by translating raw data into actionable, real-time customer experiences.
Ajman Bank, founded in 2007 and operating since 2009 as the first Islamic bank based in the Emirate of Ajman, is already familiar with digital innovation. The bank is listed on the Dubai Financial Market and offers a range of Sharia-compliant services across consumer, corporate, investment and treasury segments.
At GITEX Global 2025, financial technology and government-technology alliances drew heavy attention, with institutions announcing multiple strategic deals. Within that milieu, the Ajman–Dataroid tie-up signals the bank’s intent to remain agile in a rapidly evolving digital banking landscape.
The deployment of behavioural analytics and journey mapping tools positions Ajman Bank to anticipate drop-offs, friction points, and engagement opportunities across its customer base. Real-time dashboards will allow teams to monitor key metrics such as session durations, conversion funnels, and usage patterns, while in-app messaging and push-notifications may be used to re-engage customers at opportune moments.
The AI platform underpinning Dataroid has been adopted by enterprises spanning finance, airlines and retail across more than 120 million users, according to public statements. The firm bundles features such as enriched individual data, behavioural modeling and performance monitoring into a unified platform — serving marketing, product and tech stakeholders alike.
In the UAE, digital banking adoption is rising rapidly. Customers increasingly expect seamless, personalised experiences across devices, placing pressure on banks to adopt advanced analytics, AI-driven engagement and more intelligent back-end systems. The Ajman–Dataroid MoU comes at a moment when financial institutions across the region are vying to embed scalable, data-centric strategies to differentiate themselves.
Operationally, the key will lie in execution. Merely acquiring analytics capability is only the first step — success depends on integrating insights into decision loops across product, marketing, risk and operations. Ajman Bank will need strong data governance, cross-functional coordination and talent to translate analytic outputs into meaningful customer actions.
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