In a transformative shift, UAE banks are leveraging artificial intelligence (AI) and data analytics to foster long-term customer relationships, moving beyond transactional interactions to support customers through key life milestones. This strategic pivot was highlighted by Luis Rodriguez, Product Evangelist at Crif-Strands, during the 4th Banking Innovation and Technology Summit 2025 in Dubai. Rodriguez emphasized that modern customers seek more than financial products; they desire a trusted partner to guide them through significant decisions such as saving, career advancements, or purchasing a home. He noted that while digital channels have streamlined banking processes, they have also diminished the human element. To bridge this gap, banks are now analyzing customer behavior, preferences, and lifestyle patterns to offer personalized services. Rodriguez underscored the importance of engaging customers early in their financial journeys, stating that loyalty is built by being present from the outset, not just at the point of sale. The summit, attended by senior leaders from banks, fintech firms, and regulatory bodies, served as a platform to discuss how technology is reshaping the UAE’s financial landscape. Rodriguez also highlighted the growing importance of transparency in data usage, particularly with the rise of open banking. He stressed that customers must understand the value of their data and how it is utilized to build trust. Crif-Strands is aiding banks in optimizing lending processes and developing customer-centric digital operations, enabling them to cater to individuals with limited credit history and the region’s mass affluent segment. The summit reinforced the UAE’s position as a leading financial and technology hub, with industry leaders collaborating to drive the next phase of digital growth.