MBME Group — CBUAE Strategic Partnership Proposal

MBME Touchpoints

4,000+

Smart kiosks nationwide

Proprietary APIs

770+

Gov, semi-gov, private sector

Customer Base

3.2M

Active users across UAE

CBUAE Licences

Cat 3

PSP + Merchant Acquiring

FIT Target Date

2026

Full integration deadline

Why MBME Group for CBUAE

The Integration Thesis

MBME Group is the only UAE-native entity that combines physical payment infrastructure (4,000+ kiosks), digital payment rails (770+ APIs to government and private services), a CBUAE-licensed acquiring platform (MBMEPay), and strategic JVs with SAP Fioneer, AD Ports, and Naqd Group. This positions MBME as a natural integration and aggregation layer between the CBUAE's FIT Programme infrastructure and the real economy. No other entity in the UAE bridges the last-mile physical distribution network with enterprise-grade financial technology at this scale.

The Opportunity

The CBUAE's FIT Programme has built world-class infrastructure (Jaywan, AANI, Digital Dirham, eKYC, Open Finance, Financial Cloud). The next challenge is adoption and integration across the financial ecosystem. MBME offers the distribution muscle, API aggregation expertise, and merchant/consumer relationships to accelerate FIT Programme adoption. Eight concrete solution pillars, each mapped to a specific FIT initiative, create a partnership framework worth AED 50M-120M in ecosystem value over 3 years.

MBME Group Ecosystem

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MBME Pay

UAE's largest bill aggregator. 770+ APIs, 4,000+ kiosks, 3.2M customers. Cat 3 PSP licence. Merchant acquiring and payment aggregation.

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MBMEPay (Merchant Acquiring)

Online Payment Gateway, POS Terminals, SoftPOS/Tap-to-Phone. 191 features, AI-powered fraud detection, intelligent routing engine. Full acquiring stack.

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MBME Neo

Digital banking and investment services. Financial inclusion for underserved segments. Leverages MBME Pay's 3.2M customer base.

★

MBME Wow Pay

CRM, POS, media players, mobile apps, kiosks. UAE, GCC, and Africa footprint. White-label payment technology.

❖

MBME Investments (JVs)

SAP Fioneer + Naqd Group (Centre of Excellence), AD Ports Group (TradeTech), DB Investing (retail investment deposits). ADX listed.

CBUAE FIT Programme — 9 Initiatives

Jaywan (Domestic Card Scheme)

UAE's first domestic card scheme. Co-badged with Visa/MC. Reduces reliance on international networks.

AANI (Instant Payments Platform)

Real-time P2P and merchant payments. 1.5M+ users, 57 banks, 80K+ merchants. QR, proxy, request-to-pay.

Digital Dirham (CBDC)

Retail and wholesale CBDC. mBridge cross-border. Live government payment completed Nov 2025.

eKYC Platform

Non-face-to-face onboarding. UAE Pass integration. Digital identity verification for LFIs.

Open Finance (Nebras)

Centralised API hub. Mandatory for all LFIs by Sep 2026. Third-party data access and txn initiation.

Sovereign Financial Cloud

World-first with Core42. AI-powered. National data sovereignty for financial sector.

SupTech

Supervisory technology for regulatory processes. AML/CFT automation. Risk-based data assessment.

Innovation Hub

Collaborative R&D platform for fintechs. Research and development sandbox.

Stablecoin Licensing

New licensing framework for AED-backed stablecoins approved by CBUAE.

MBME Capabilities Mapped to FIT Programme Initiatives

FIT Initiative	CBUAE Need	MBME Solution	MBME Assets Deployed	Readiness	Impact
Jaywan	Acquirer onboarding, terminal acceptance, domestic routing adoption across merchant base	Jaywan acceptance across 4,000+ kiosks and MBMEPay merchant network. BIN identification engine (MC-07) for domestic routing. Kiosk-level Jaywan card acceptance.	4,000 Kiosks MBMEPay POS SoftPOS BIN Engine	In Progress	Critical
AANI	Merchant acceptance scale, bill payment integration, consumer adoption via existing touchpoints	AANI QR acceptance at kiosks. AANI as payment method in MBMEPay gateway. Bill payment via AANI (770+ billers). Request-to-Pay for government services.	770+ APIs Bill Aggregation PG Gateway QR Payments	Ready	Critical
Digital Dirham	Retail distribution channels, merchant acceptance, government payment rails, financial inclusion	Digital Dirham acceptance at kiosks for bill payments. CBDC-to-fiat conversion at physical touchpoints. Government service payments via Digital Dirham. Unbanked population access through kiosk network.	4,000 Kiosks Gov APIs 3.2M Users	Build Required	Critical
eKYC	Large-scale onboarding verification, document validation, biometric identity at scale	Kiosk-based eKYC verification stations (Emirates ID + biometric). Merchant onboarding eKYC via MBMEPay (MB-01, MB-02). OCR + NLP document validation. Arabic/English bilingual processing.	Onboarding Platform OCR/NLP KYC Workflow	Partial	High
Open Finance (Nebras)	Third-party provider integration, API standardisation, ecosystem connectivity	MBME as an Open Finance TPP and API aggregation layer. 770+ existing API connections to be exposed via Nebras. Payment initiation services via MBMEPay. Account information aggregation across government services.	770+ APIs API Platform PIS Capability	Build Required	Critical
Financial Cloud	Migration of financial workloads, data sovereignty compliance, AI/ML infrastructure	MBMEPay AI stack deployment on Financial Cloud (fraud detection, routing ML, compliance automation). Data residency compliant ML training. Sovereign infrastructure for kiosk transaction data.	AI/ML Stack Fraud Engine Data Pipeline	Build Required	High
SupTech	Regulatory data submission, AML/CFT monitoring data feeds, risk assessment automation	Real-time transaction monitoring data feed from 4,000+ kiosks and MBMEPay merchant network. AML/CFT compliance automation (UC-05). STR/SAR auto-filing. SupTech-compatible reporting APIs.	Compliance AI SAR Filing Txn Monitoring	Partial	High
Innovation Hub	Sandbox environment, fintech collaboration, proof-of-concept platform	SAP Fioneer CoE as sandbox partner. AD Ports TradeTech collaboration. MBME kiosk network as real-world testing ground for fintech pilots. API sandbox for government service integration testing.	SAP Fioneer JV AD Ports JV API Sandbox	Ready	Medium
Stablecoin	Distribution channels for AED-backed stablecoins, fiat on/off ramps	Kiosk-based stablecoin purchase/redemption (fiat on/off ramp). Integration with MBME Neo digital banking. Merchant settlement in AED stablecoin via MBMEPay.	Kiosks MBME Neo MBMEPay	New	Medium

Eight Solution Pillars for CBUAE Partnership

MBME Capability Matrix vs. CBUAE Requirements

Capability Coverage by FIT Initiative

Existing vs. New Build

Detailed Capability Assessment

Capability	Current State	CBUAE Relevance	Gap to Close	Timeline

Strategic JV Leverage

SAP Fioneer + Naqd Group

Centre of Excellence in Abu Dhabi for banking, investment, insurance digital innovation across MENA.

CBUAE Value: Enterprise-grade core banking platform for Open Finance compliance. Islamic finance digital transformation. SupTech regulatory reporting tooling.

AD Ports Group

Framework agreement for TradeTech and FinTech. Goods tracing, digital payments, compliance suites, e-signatures.

CBUAE Value: Trade finance digitisation via Digital Dirham. Cross-border payment settlement for port operations. Supply chain compliance monitoring.

DB Investing

Retail investment deposits via MBME Pay kiosk network. Reshaping funding options across UAE.

CBUAE Value: Financial inclusion via kiosk deposits. Physical-to-digital bridge for investment services. AML monitoring on cash deposit flows.

Integration Architecture: MBME as the Aggregation Layer

High-Level Architecture

CBUAE FIT Infrastructure (Upstream)

Jaywan / AEP AANI IPP Digital Dirham Nebras (Open Finance) eKYC Platform Financial Cloud SupTech

↓ ↓ ↓

MBME GROUP — Integration & Aggregation Layer

API Aggregation

770+ govt/private APIs unified into CBUAE-compatible endpoints

Payment Orchestration

Jaywan + AANI + Digital Dirham + Card networks routing

AI/ML Engine

Fraud detection, compliance automation, risk scoring

Compliance Suite

AML/CFT, SAR filing, SupTech reporting, eKYC

↓ ↓ ↓

Physical Channels

4,000+ Smart Kiosks, POS Terminals, SoftPOS, ECR

Digital Channels

Payment Gateway, Mobile Apps, Web Portals, APIs

Ecosystem Partners

Banks, Merchants, Government, Semi-Gov, Private Sector

Data Flow Architecture

Inbound

CBUAE FIT APIs (Jaywan Switch, AANI IPP, Nebras API Hub, eKYC Platform) feed into MBME's orchestration layer

Process

MBME's AI engine applies fraud scoring, routing optimisation, compliance checks, and personalisation before routing to endpoints

Outbound

Transactions reach merchants, consumers, and government entities via kiosks, POS, gateway, mobile, and API channels

Reporting

SupTech data feeds, regulatory reports, SAR filings, and compliance dashboards flow back to CBUAE supervisory systems

Technology Stack Alignment

Cloud Infrastructure

AWS me-central-1 (UAE region) aligned with Financial Cloud data sovereignty. PCI DSS v4.0 compliant.

AI/ML Platform

SageMaker + Redis Feature Store. XGBoost, LSTM, GNN models. SHAP explainability for regulatory audit.

API Gateway

770+ existing APIs. REST + ISO 8583 + ISO 20022 compatibility. Nebras Open Finance API standard support.

Security

AWS KMS, Thales HSM, HMAC authentication, 2FA, biometric FIDO2 roadmap. Full CBUAE AML/CFT compliance.

Value Proposition & Ecosystem Impact

Ecosystem Value (3-Year)

AED 50-120M

Combined partnership value

FIT Adoption Acceleration

3.2M

Consumers reached Day 1

Merchant Reach

4,000+

Physical touchpoints for FIT services

API Integrations

770+

Gov/private services on FIT rails

Value to CBUAE

Accelerated FIT Adoption

MBME's 4,000+ kiosks and 3.2M users provide immediate distribution for Jaywan, AANI, and Digital Dirham. Rather than waiting for organic adoption, CBUAE gets instant scale through MBME's existing network.

Financial Inclusion at Scale

MBME kiosks serve unbanked and underbanked populations who cannot access traditional banking services. Digital Dirham and AANI at kiosks bring FIT Programme benefits to the most underserved segments.

Government Service Digitisation

770+ APIs connecting to government and semi-government entities can be migrated to FIT Programme rails (AANI, Digital Dirham), digitising the entire government payment ecosystem in one integration.

Real-Time Supervisory Data

MBME processes millions of transactions across government services, bill payments, and merchant acquiring. This data feed, structured for SupTech, gives CBUAE unprecedented real-time visibility into the retail payment ecosystem.

Open Finance Catalyst

MBME's API aggregation expertise (770+ APIs already built and maintained) positions it as a natural TPP within the Nebras Open Finance framework, accelerating the ecosystem's third-party provider layer.

Estimated Impact by Pillar (AED M, 3-Year)

Implementation Roadmap

Phase 1: Foundation

Month 1-6

Jaywan acceptance across kiosk network. AANI QR payment at all touchpoints. AANI bill payment for top 100 billers. eKYC integration for merchant onboarding. SupTech reporting API development. Open Finance TPP registration with Nebras.

Phase 2: Scale

Month 6-12

Digital Dirham acceptance at kiosks. Full 770+ biller migration to AANI rails. AI fraud engine deployment on Financial Cloud. Compliance automation suite (SAR filing, AML monitoring). AD Ports TradeTech pilot with Digital Dirham settlement.

Phase 3: Ecosystem

Month 12-24

Full Open Finance TPP operations. MBME Neo digital banking on FIT rails. Stablecoin distribution via kiosk network. SAP Fioneer CoE as CBUAE Innovation Hub partner. Cross-border payments via mBridge/Digital Dirham. Financial inclusion dashboard for CBUAE reporting.

Proposed Next Steps

Initial meeting with CBUAE FinTech Office to present partnership framework

MBME CEO + CDAIO with CBUAE FinTech Director

Week 1-2

Technical deep-dive with Al Etihad Payments on Jaywan/AANI integration specifications

MBME CTO + Technical Team with AEP Engineering

Month 1

Submit formal partnership proposal and MoU for CBUAE Innovation Hub participation

MBME Group + SAP Fioneer JV

Month 1-2

Pilot: AANI QR payments at 100 MBME kiosks (Dubai and Abu Dhabi)

Technical proof-of-concept

Month 2-3

Mandatory compliance deadline: Sep 2026

Month 3-4

MBME Group × CBUAE — Strategic Partnership Proposal