Navigating the Future of Digital Payments: An In-Depth Conversation with Taly's Visionaries

Sep 15, 2025

Kholoud Hussein

 

Taly stands at the forefront of innovation with its extensive digital payment ecosystem, offering a diverse array of services designed to meet the evolving needs of merchants, consumers, and corporates.

 

In this exclusive interview with Magdy Hassan, CEO of Taly, we will delve into the company’s core services, including its omni-channel payment solutions and advanced features such as tokenization and remote payment gateways. We will also examine how Taly differentiates itself in the market through its robust infrastructure and commitment to security.

 

Furthermore, we will explore Taly's strategic vision for the future of digital payments, including their plans for expansion into the Middle East and their efforts to enhance financial inclusion in Egypt. This conversation promises to provide valuable insights into Taly’s role in shaping the future of digital transactions. 

 

Can you provide an overview of Taly's core digital payment services and how they differentiate you from other players in the market?

 

Taly is a top-tier provider of digital payment ecosystem that introduces omni-channel collection solutions, offers a robust ecosystem designed to serve various audiences, including merchants, banks, corporates, consumers, and fintechs. What sets Taly apart from other players in the market is its full-fledged digital payment ecosystem backed by one of the largest on-soil infrastructures in the MENA region. This ensures high availability and secure systems with minimal technical glitches.

 

Taly’s services include omni-channel payment acceptance, seamless e-commerce integration, and an array of value-added services like digital invoicing, and supply chain lending. Additionally, Taly offers innovative solutions such as tokenization, pay-by-link, remote payment gateways, and fully automated collection cycles, tailored to meet the diverse needs of its clients. This comprehensive approach to digital payments, combined with a strong commitment to security (evidenced by ISO/IEC 20000 and PCI certifications), positions Taly as a leader in driving digital transformation and fostering a cashless society.

 

What innovative features do Taly's digital payment solutions offer to merchants and consumers?

 

Taly offers a variety of innovative features designed to empower merchants, consumers, and Corporates. For merchants, Taly provides a digital omni-channel proposition that empowers merchants with one single App that allows instant monitoring of all acceptance channels, supporting all kinds of payment methods. 

 

Taly payment gateway is considered the country first on soil payment gateway that meets all global standards while fully integrated with the domestic payment schemes; Meeza Digital and the Instant Payment Network (IPN). This enables merchants to accept payments from all types of cards, wallets, and Payment applications. 

 

Moreover, Taly’s ecosystem is built to support merchants with several value-add services which became highly needed these days such as access to fund, integration with BNPL players, supplier payments. Our ecosystem also introduces cash with purchase, allowing customers to cash out money upon making purchases from merchants using our acceptance POS machines. 

A standout feature in Taly's offerings is the use of tokenization for cardless payments. Tokenization technology allows consumers to make secure and convenient payments by simply tapping their phones at POS terminals, eliminating the need for physical cards. Additionally, it further enhances security by replacing sensitive card information with a unique token, ensuring that actual card details are never exposed during transactions. This combination provides a seamless and secure payment experience for consumers and increase the consumer adoption of more cashless behaviors. It also gives merchants the ability to offer advanced payment options that cater to modern consumer preferences.

 

For consumers, Taly’s Super App delivers a one-stop-shop for digital payments, offering inflows and outflows management, e-wallets, bill payment, and a loyalty system that incentivizes activity. The app is designed for ease of use and provides consumers with the peace of mind that comes from managing their financial transactions digitally without the need for physical cash. Taly’s approach not only simplifies transactions but also enhances financial control and security for both merchants and consumers.

 

For Corporate, Taly’s Corporate Portal is the first of its kind that empowers Corporates ,for first time, to manage directly their employees cards, manage the company expense via the unique features developed by Taly that enables  the Corporate to control the spend of their staff instantly wherever and whenever the company wants them to transact where both the company’s employee has a mobile App to manage and control their cards, while the company has Taly portal to control and manage the transactions instantly. The solution provides corporates with an answer of many business challenges such as controlling the fleet system, manage petty cash, and control T&E expenses. Moreover, Taly provides corporate with creative ways to fund their expense via banking facilities and empower the corporate with effective dashboard and analytical tools. 

 

How do you foresee the digital payment landscape evolving in the next few years, and how is Taly preparing for these changes? Are there any plans to introduce new services or products in the near future? If so, can you share any details?

 

The digital payment landscape is poised for significant growth and innovation, with a strong shift towards more integrated and seamless financial ecosystems. Technologies such as tokenization, advanced payment gateways, integrated lending solutions, and innovative corporate payment solution are expected to become increasingly prevalent. Taly is at the forefront of these changes, having already introduced many of these solutions in the Egyptian market.

 

Looking ahead, Taly is preparing by continuously enhancing its infrastructure and expanding its ecosystem, the company is also focused on fostering collaboration across the financial sector, enabling banks, fintechs, and corporates to innovate and thrive within a connected digital framework. This proactive approach ensures that Taly will remain a key player in the ongoing digital transformation, driving the adoption of cashless payments and supporting the broader financial ecosystem. Taly designed and built its ecosystem with a futuristic vision that can serve upcoming trends such as digital banking, and open banking.

 

In what ways have you seen the Egyptian market respond to digital payment solutions, and what opportunities do you identify there?

 

The Egyptian market has shown a positive response to digital payment solutions, with increasing adoption among businesses and consumers alike. Taly has identified significant opportunities in this landscape, particularly in the areas of e-commerce, fintech innovation, corporate digitalization. The market is moving towards more integrated financial systems, and Taly is well-positioned to lead this shift by offering secure and innovative digital payment and collection solutions.

 

Opportunities in Egypt include the growing demand for BNPL (Buy Now, Pay Later) services, e-commerce payment gateways, and digital invoicing systems. Taly’s ability to provide a seamless digital ecosystem, supported by robust infrastructure and security, allows it to capitalize on these trends. As digital payments become more ingrained in everyday life, Taly’s comprehensive offerings will continue to meet the evolving needs of the market.

 

How does Taly plan to enhance financial inclusion through its services in the Egyptian market?

 

Taly is deeply committed to enhancing financial inclusion in Egypt by providing accessible and innovative digital payment solutions that cater to a wide range of stakeholders, including underserved populations and small businesses. 

 

A key aspect of this mission is Taly’s role in empowering fintech startups. By leveraging Taly’s robust digital infrastructure—one of the largest in the MENA region—these startups can transform their innovative ideas into fully operational and commercially viable financial products. This not only accelerates the growth of the fintech sector but also ensures that a broader array of financial services and products becomes available throughout Egypt, reaching even the most underserved areas. Taly is already in collaboration with several fintechs and BNPL players to be integrated with our ecosystem and empower them with Taly payment capabilities. 

 

In addition to empowering fintech startups, Taly is addressing the significant gap in cash usage, particularly among merchants. Many merchants in Egypt still rely heavily on cash transactions due to concerns about the complexity and security of digital payment solutions. Taly aims to bridge this gap by offering a more convenient, secure, and user-friendly financial digital experience.

Taly helps merchants streamline their financial interactions with suppliers and vendors by enabling instant payment and collection of invoices through a digital account, which is also linked to a prepaid card. This setup helps merchants keep their capital and liquidity in check, ensuring that their financial operations are smooth and efficient. Moreover, Taly offers flexible digital lending programs to finance merchants' working capital, increasing their purchasing power and enabling them to settle suppliers' invoices promptly.

 

By attracting more merchants to embrace digital financial technology, Taly is enhancing its business operations while contributing to the broader goal of reducing cash dependency in the Egyptian economy. This, in turn, helps integrate more businesses and consumers into the formal financial system, fostering a more inclusive and digitally empowered marketplace in Egypt.

Moreover, Taly offers consumers with a revamped wallet solution bundled with Tokenization features that would give an effective entry products to the youth segments, new to banks, and underserved consumers. Taly revamped wallet offers consumers the same privileges of full- fledged banks including e-purchase, e-commerce, transfers, bill Payments, and robust digital cash-in and cash-out options via a one-stop-shop digital App, offering highly secured payment with advanced consumer digital experience. Taly solution for this segment is a true example of bridging the gap between banked and new-to-bank consumers. 

 

How do you envision Taly's role in the future of digital payments in the Middle East, particularly in Saudi Arabia and the wider GCC region? What are your expansion plans for these markets, and how will you tailor your offerings to meet the unique needs of consumers and businesses while enhancing customer experience in the region?

 

Egypt is at the heart of Taly's growth strategy, where we are fine-tuning our digital payment ecosystem to address the vastly diverse needs of the market. Our immediate priority is ensuring that the model is not only functional and successful but also optimized for scalability. By focusing on Egypt, we are building a strong foundation that can later be expanded into the broader Middle East.

Many GCC and Africa markets share similar needs in areas such as digital bank enablement, tokenization, and supply chain lending which offer a natural pathway for expansion. Once we establish a strong foothold in Egypt, our experience will allow us to scale effectively into these regions. These markets are also transitioning toward cashless economies.

 

By leveraging the lessons learned and infrastructure developed in Egypt, we can tailor our offerings to the specific needs of wider GCC and Africa markets, empowering stakeholders with the same level of digital bank enablement and advanced tokenization technologies that we’ve pioneered in our home market. The focus now remains on perfecting the model in Egypt, so it is ready for broader application and growth across the Middle East.

 

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The Pac-Man defense: Hidden costs of turning tables on hostile takeovers

Noha Gad

 

When a company becomes the target of a hostile takeover, its board has several options for resisting the bid, notably the Pac-Man defense strategy. Through this approach, the target company turns things around by trying to take over the acquirer, in a move to scare off the expected acquirer by buying a majority stake in the other company. The approach can be risky yet necessary for survival for the target company. 

The purpose of the Pac-Man Defense is similar to any other defensive strategy against a hostile takeover: to make a takeover very difficult for the acquiring company, in hopes that it will abandon the attempt.

The term originated from the Pac-Man game, where players must avoid ghosts that are trying to chase and eliminate them. In the game, if Pac-Man consumes a power pellet, the player will be able to turn around and eliminate the ghosts.

In the Pac-Man takeover defense, the target company acquiring or “eating” shares of the acquiring company is analogous to consuming a power pellet. The defensive strategy gives the target company the power to fend off the hostile takeover.

 

How does the Pac-Man defense strategy work?

Target companies may use this strategy to avoid a hostile takeover by turning the tables on the acquirer and mounting a bid to take over the raider. During the acquiring phase, the acquiring company may begin a large-scale purchase of the target company’s shares to gain control of the company. As a defense-strategy, the target company may buy back its shares and purchase shares of the acquiring company.

The resources needed for the strategy are usually made available through:

  • Selling its own assets: The target company can use existing cash or cash equivalent assets to secure enough money to buy large amounts of shares of the acquirer.
  • Selling non-core business units:  The company can sell off non-core business units to secure cash.
  • Borrowing cash: The company can borrow cash from lenders or by issuing bonds or additional stock shares. The latter method of financing offers the additional benefit of diluting the target company’s outstanding shares, so the acquirer would have to purchase more shares to obtain more than 50% of the total outstanding stock of the target company.
  • War chest: A war chest is a cushion of cash stored by the company in the event of adverse events. It typically includes assets that can be easily liquidated to produce cash. Using war chest financing for a Pac-Man defense is vital, as it means the target company is using its excess cash or cash reserves.

 

Main weaknesses 

Although the Pac-Man defense can be a powerful way for a target company to resist a hostile takeover, it comes with substantial risks, including:

  • High financing needs. This strategy is extremely expensive, as it usually includes selling off assets or non-core business units, or increasing the company’s debt to put the strategy into action.
  • Shareholder dilution: If the target issues new shares to fund the defense strategy, existing shareholders may own a smaller percentage of the company and see the value of their holdings diluted.
  • High transaction costs: Investment-banking fees, legal counsel, financing costs, and potential breakup penalties can consume substantial capital before any shares actually change hands.

These main drawbacks, among others, make the use of the Pac-Man defense rare because it demands exceptional financial strength, fast execution, and a high tolerance for risk. It can deter a hostile bidder, but it may leave the defender overleveraged, diluted, asset-stripped, or distracted.

TileGreen brings AI-powered recycling technology to construction industry

Ghada Ismail

 

As the construction industry faces growing pressure to reduce its environmental footprint, innovative material technologies are creating new opportunities to address both industrial emissions and the mounting plastic waste problem. Egyptian startup TileGreen is working at the intersection of these challenges, developing manufacturing solutions that turn difficult-to-recycle plastic waste into sustainable building materials.

In this interview with Sharikat Mubasher, conducted on the sidelines of the Green Shift Summit 2026 in Cairo, Khaled Raafat, CTO and Co-founder of TileGreen, explains how the company uses machine learning to improve manufacturing consistency, what differentiates its products from conventional building materials, and why Saudi Arabia represents an important market for its technology licensing model. He also shares his perspective on the fundraising challenges facing green startups and the growing role of AI in making sustainability commercially viable.

 

Could you tell us a little about yourself and the problem your company is trying to solve?

I am Khaled Raafat, CTO and co-founder of TileGreen, a material technology company specializing in developing manufacturing technologies that transform difficult-to-recycle plastic waste into sustainable building materials.

We are addressing two major challenges. The first is plastic waste, as only around 10% of plastic waste globally is recycled, while the remainder is typically landfilled, incinerated, or openly dumped.

The second is the construction industry's significant carbon footprint. As one of the most carbon-intensive industries, it faces major decarbonization commitments for 2030 and 2050. However, the solutions currently available are not sufficient to meet these targets.

 

What differentiates TileGreen's approach from existing solutions, and what gives the company a competitive edge?

Green solutions are often perceived as involving trade-offs, whether in terms of pricing, technical specifications, or other parameters.

At TileGreen, our technology platform enables us to develop more than 100 applications for indoor and outdoor non-structural building materials using plastic waste, without cement or chemicals. We achieve this through a thermomechanical, machine learning-based technology.

The resulting materials offer higher technical specifications than conventional concrete applications. Beyond their environmental benefits, they are also cost-competitive, generating savings in upfront costs, installation, and throughout their lifecycle.

 

What has been the biggest challenge in turning your idea into a scalable business, and how have you addressed it?

One of our biggest challenges has been penetrating the construction market, which is both large and traditionally slow to adopt innovation.

The dynamics of established industries can make introducing new solutions particularly challenging. Convincing customers to test and eventually adopt an unfamiliar product requires considerable effort and time.

I believe this stage represents a critical turning point for any startup, marking the transition from the idea stage to pilot projects and early commercialization. Successfully navigating this transition is essential to building a scalable business.

 

How are you leveraging artificial intelligence and other emerging technologies to improve your manufacturing processes and product quality?

Technology is at the core of our manufacturing process. Our system is based on machine learning because one of the biggest challenges facing recycling and other green solutions is maintaining consistent product quality despite variations in raw materials.

To address this, we developed what we call the Material Intelligence Model, a material science-based machine learning model capable of characterizing feedstock in real time.

We consider it the brain of our technology platform. Rather than relying on fixed operating parameters and manual adjustments, the model determines how the production line should operate based on the characteristics of the incoming materials.

This allows us to operate more efficiently and maintain product quality despite variations in feedstock. With this model, we have achieved more than 95% production consistency, significantly reducing the risks of inconsistent output and machine downtime.

 

What are your main growth priorities, and are you exploring new partnerships or expansion opportunities in the GCC, particularly Saudi Arabia?

We have evolved from being solely a green building materials provider into a technology provider. We realized that scaling these solutions requires reliable manufacturing technologies that can consistently deliver high-quality products. Since we could not find off-the-shelf technologies that met our requirements, we decided to develop our own.

Our primary business model is now based on turnkey technology licensing for existing building materials manufacturers across different markets. Instead of simply supplying the finished building materials, we provide manufacturers with the technology, factory setup, know-how, and standard operating procedures needed to produce them.

This approach allows us to expand into different markets through a scalable licensing model.

We have recently been working to strengthen our presence in the GCC, particularly Saudi Arabia. We have secured two licensing memorandums of understanding worth a combined $7 million and are close to finalizing our first licensing agreement in the Kingdom.

Our corporate structure includes a company incorporated in Delaware, alongside companies in Egypt and Saudi Arabia, with plans to establish a presence in China. Egypt remains our main operational base, while Saudi Arabia represents an important market for commercializing our technology through licensing, with potential for further strategic expansion.

 

What are the biggest challenges green startups face when raising capital compared with startups in more established sectors?

Green startups, particularly those working in hardware and deep technology, are not necessarily a suitable fit for every investor. One of the biggest challenges is finding enough angel investors and venture capital firms that understand the development journey of hard-tech startups and have the right expectations.

Founders also need to educate investors about their business models and demonstrate why these ventures require a different investment approach. Naturally, the conversion rate when approaching investors may be lower than that of fintech or e-commerce startups.

The growth journey is also different. The exponential growth curves often associated with traditional startups do not necessarily apply to hard-tech companies. Their development tends to be more gradual and incremental, requiring patience and sustained investment.

Finding investors who believe in the technology is particularly important during the early stages, when a company may not yet be considered bankable. Accessing grants can also be challenging because of the processes and paperwork involved.

It is certainly a demanding journey, but finding the right investors who understand and support the business can make all the difference.

 

How can artificial intelligence help green startups turn sustainability goals into commercially viable solutions that attract investors?

One of the major challenges facing sustainability-focused startups is measuring and reporting their environmental impact. Impact that cannot be properly demonstrated risks being perceived as greenwashing.

AI tools can make it easier to measure, consolidate, and report impact-related data, helping companies provide more credible evidence of their sustainability performance.

In our case, AI is not simply a complementary tool that supports business growth or daily operations. It is an integral part of our manufacturing technology.

I would emphasize that any founder developing a hard-tech startup or manufacturing technology should explore the potential of AI. It enables capabilities and solutions that were previously difficult, if not impossible, to achieve.

What Is Bookkeeping and Why Does Every Business Need It?

Ghada Ismail

 

Imagine running a business without knowing how much you spent last month, which customers still owe you money, or whether your sales are actually covering your expenses? Making sound financial decisions under these circumstances would be difficult, if not impossible. Bookkeeping helps businesses avoid this uncertainty by providing an organized record of their financial activities and giving owners a clearer picture of where their money comes from and where it goes.

Whether a business is a small startup or a large corporation, keeping accurate financial records is essential for managing daily operations and supporting long-term growth.

 

What Is Bookkeeping?

Bookkeeping is the process of recording, organizing, and maintaining a business's financial transactions. These transactions include sales, purchases, payments, receipts, expenses, and other financial activities.

Its main purpose is to ensure that every financial transaction is documented accurately and systematically. This gives business owners a clear picture of their income and expenses over a specific period.

For example, when a startup purchases office equipment, receives a payment from a customer, or pays its employees, each transaction must be recorded in its financial records. Over time, these records help the business track its cash flow, monitor expenses, and assess its financial performance.

 

Why Is Bookkeeping Important for Businesses?

Maintaining accurate financial records is not simply an administrative task. It plays an important role in helping businesses operate efficiently and remain financially stable.

One of its main benefits is financial visibility. By tracking income and expenses, business owners can understand how much their companies generate and identify areas where costs could be reduced.

Bookkeeping also supports cash flow management by helping businesses monitor incoming and outgoing payments. This is particularly important for startups and small businesses, which may face financial pressure when customer payments are delayed or operating expenses increase.

Another benefit is tax preparation and compliance. Organized financial records make it easier to calculate taxable income, prepare financial statements, and meet applicable reporting requirements.

Furthermore, reliable bookkeeping helps businesses make informed decisions about budgeting, hiring, expansion, and investment. It also provides investors and lenders with a clearer understanding of a company's financial position.

 

What Are the Main Bookkeeping Tasks?

Bookkeeping involves several recurring activities that keep a company's financial records accurate and up to date.

These include:

  • Recording transactions: Documenting all financial activities, including sales, purchases, payments, and receipts.
  • Managing invoices: Tracking invoices issued to customers and payments owed to suppliers.
  • Reconciling bank accounts: Comparing financial records with bank statements to identify discrepancies and missing transactions.
  • Tracking expenses: Categorizing business spending to monitor operating costs and identify unnecessary expenses.
  • Maintaining payroll records: Recording employee salaries, wages, deductions, and related payments.
  • Preparing financial reports: Organizing transaction data to support the preparation of reports such as income statements and balance sheets.

Together, these activities provide the financial information needed for effective business management and more detailed accounting analysis.

 

What Is the Difference Between Bookkeeping and Accounting?

Although bookkeeping and accounting are closely related, they serve different purposes.

Bookkeeping focuses primarily on recording and organizing financial transactions. Accounting takes this information further by analyzing, interpreting, and reporting financial data to evaluate business performance.

For instance, a bookkeeper may record a company's monthly sales and expenses, while an accountant uses those records to prepare financial statements, assess profitability, and provide financial guidance.

In simple terms, bookkeeping creates the financial records, while accounting uses those records to understand what they mean.

 

Should Businesses Use Bookkeeping Software?

As businesses grow, managing financial transactions manually can become time-consuming and increase the risk of errors. Bookkeeping software offers a more efficient way to organize financial information.

These tools can automate tasks such as recording transactions, generating invoices, tracking expenses, and reconciling bank accounts. Some platforms also provide real-time financial dashboards, allowing business owners to monitor their financial position more easily.

However, choosing between manual bookkeeping, software, or professional bookkeeping services depends on the company's size, transaction volume, and operational needs.

 

To Wrap Things Up…

Bookkeeping is a basic yet essential part of running a successful business. By maintaining accurate and organized financial records, companies can monitor their financial health, manage cash flow, meet reporting obligations, and make better business decisions.

For startups and established businesses alike, effective bookkeeping provides the financial foundation needed to manage daily operations and support sustainable growth.

Slow and steady: Why passive investing appeals to long-term investors

Noha Gad

 

Many investors look for a simple, direct way to grow their money in the long term without spending a long time finding individual companies or trying to predict market changes. This is the reason why some investors choose passive investing, a long-term, buy-and-hold investing approach that focuses on a wide selection of investments and holding them over time, rather than trying to outperform the market through frequent trading. What makes this approach appealing to new and seasoned investors is that it offers diversification, simplicity, and potentially lower costs.

Many passive investors use investments like index funds and exchange-traded funds (ETFs) designed to track a market benchmark's performance. Compared to active investing, passive investing is typically lower cost, requires less day-to-day management, and is often used by investors focused on long-term growth.

 

How does the passive investing strategy work?

As a long-term strategy, passive investing focuses on buying and holding investments over a long time. Its goal is to build wealth gradually over time by buying and holding a diverse investment portfolio. Instead of frequently buying and selling investments to try to beat the market, passive investors buy and hold an investment portfolio that may steadily increase in value over time, based on historical market returns.

Index investing is the most common type of passive investing, often through index funds and ETFs. In this approach, investors invest in a portfolio of stocks, bonds, or other assets that mirrors a specific market index.

 

Passive vs. active investing

Passive and active investing are two different ways of managing investment portfolios. Both are different from each other in:

  • Goal. Passive investing aims to match the market index’s performance, while active investing aims to outperform it through investment choices made by a fund manager.
  • The way investments are selected. Passive investors usually buy index funds or ETFs that track a broad group of securities, while active investors choose individual securities and decide when to buy or sell them, based on research and market analysis.
  • Costs. Passive funds usually have lower management costs because managers do not need to select individual securities or rely as heavily on research teams. In contrast, active funds have higher costs because of research, analysis, and more frequent trading.
  • Flexibility. Passive funds have limited flexibility because they generally continue to follow the securities and weights of their index, while Active funds are more flexible as they reduce exposure to certain securities or sectors.
  • Performance. Passive investing aims to earn returns close to the overall market return, while active investing targets returns higher than the market.
  •  Risks. Passive funds can lose value when the market or asset class they track declines, while active funds may underperform their benchmark if the manager’s investment decisions do not produce the expected results.

 

Passive investing offers several advantages for long-term investors, but it also has limitations that investors should understand before choosing this approach. 

Pros

  • Requiring lower costs to manage, as managers do not need to select individual securities or rely as heavily on research analysts.
  • Offering a clear and transparent view of which assets are in an index fund
  • Giving investors access to many securities in one investment, thereby reducing the impact of poor performance by a single company.
  • Supporting long-term investments, as passive funds generally buy and sell securities less often.
  • Offering a clear investment objective, as they are designed to track a specific market index.

Cons

  • Losing value when the securities in the index they track decline in value.
  • Limited ability to react to price declines in the securities it holds because it generally continues to follow the index.
  • Passive funds may have lower earnings than the index they follow.
  • Passive funds are not expected to outperform the market they track.
  • Although passive funds have lower costs, investors should compare fees because some index funds may be more expensive than actively managed funds.

 

Finally, passive investing is a long-term strategy that helps investors build a diversified portfolio through index funds and ETFs rather than trying to select individual securities or time the market. However, they are not risk-free. Investors may still experience losses when the market or asset class they track declines, and fund returns may differ from the index because of fees, trading costs, and tracking error. Thus, investors should compare fund fees, understand the risks of the index they are investing in, and choose investments that match their financial goals and time horizon.

The Middle East's next brand revolution will be heard

Roudny Nahed, Partnership Manager at MusicGrid 

 

Across the Middle East, a new generation of brands is emerging, driven by ambitious national visions, digital innovation, and a growing focus on customer experience. As the region continues to redefine its position on the global stage, sound is becoming an increasingly valuable way for businesses to express their identity, connect with audiences, and build lasting recognition. 

The Middle East is undergoing a transformation that extends beyond infrastructure, technology, and economic diversification. It is changing how brands are created, experienced, and remembered. 

Across the GCC, new industries are emerging, established organizations are reinventing their customer experiences, and homegrown brands are increasingly expanding their ambitions beyond regional markets. 

This transformation raises an important question: as the way people interact with brands evolves, shouldn't the way brands express their identities evolve as well? 

Sound has an increasingly important role to play in answering that question. 

 

The Experience Economy Is Changing the Role of Sound 

Saudi Arabia offers a compelling example of this evolution. 

The Kingdom's tourism strategy targets 150 million visits by 2030, while its financial sector development ambitions include expanding the fintech ecosystem to 525 companies by the same year. 

These ambitions represent more than economic growth. They signal an expanding landscape of customer interactions across aviation, hospitality, financial services, entertainment, and digital platforms. 

An airline's identity is experienced throughout the passenger journey. A bank's relationship with customers increasingly develops through its mobile application. A hospitality brand communicates its personality through the atmosphere it creates. 

In each case, sound can reinforce recognition, communicate emotion, and connect different moments into a consistent brand experience. 

As the region invests in more sophisticated customer journeys, sonic branding has an opportunity to evolve from a creative element into part of a brand's infrastructure. 

 

From Musical Identity to Brand Infrastructure 

One of the most important shifts in sonic branding is the move from creating individual audio assets to developing connected sonic ecosystems. 

A sonic logo may be the most recognizable element, but its strategic value grows when integrated across advertising, digital interfaces, customer service, and physical environments. 

In 2020, Mastercard and Network International announced an initiative in the UAE to integrate Mastercard's sonic identity into payment terminals, allowing customers to hear a recognizable confirmation sound when completing transactions. 

This demonstrates how sound can serve both a functional purpose and a branding objective. 

For businesses across the Middle East, the opportunity is to design sonic branding into the customer journey rather than introduce it as an afterthought. 

 

Cultural Intelligence: The Region's Creative Advantage 

The Middle East possesses another significant advantage: its rich and diverse musical heritage. 

From distinctive rhythmic structures to melodic traditions and regional instrumentation, sound carries cultural associations shaped by history and collective experience. 

However, creating an authentic regional sonic identity requires more than incorporating traditional instruments. 

A contemporary Saudi financial institution, for example, does not necessarily need traditional melodies to express its cultural roots. Authenticity can emerge through rhythmic character, melodic movement, and emotional associations that reflect the brand's personality. 

This is where ethnomusicology, cultural understanding, and brand strategy intersect. 

For Middle Eastern brands with international ambitions, the ability to balance cultural authenticity with contemporary creativity can become a meaningful competitive advantage. 

 

Recognition Must Be Built, Not Assumed 

The business value of sonic branding extends beyond creating memorable music. 

Research from Ipsos highlights the effectiveness of distinctive brand assets, including sonic cues, in strengthening advertising recognition and performance. 

However, recognition does not develop through composition alone. It requires consistent exposure, meaningful associations, and disciplined implementation. 

A sonic identity used only during a launch campaign has limited opportunities to build long-term familiarity. 

Organizations must therefore consider where sound appears, how it adapts across different markets, and how consistently its recognizable elements are maintained. 

The objective is not simply to create a sound people enjoy, but to develop an identity they can recognize and associate with the brand over time. 

 

The Opportunity for Regional Leadership 

The Middle East is experiencing a powerful convergence of economic diversification, digital transformation, cultural investment, and creative ambition. 

Together, these developments are creating an environment where sonic branding can play an increasingly strategic role. 

The opportunity is not simply to adopt international practices, but to develop regional expertise in creating culturally intelligent, technologically integrated, and globally recognizable sonic identities. 

 

The Middle East is building a new generation of brands. The next opportunity is to give those brands a distinctive sound that the world can recognize.