Noha Gad

The world’s population is expected to surpass 10 billion by 2050, creating an urgent need to increase food production by nearly 70% to meet growing demands. However, this challenge is compounded by shrinking arable land, limited water resources, and the unpredictable effects of climate change.

Traditional farming methods are no longer sufficient to address these challenges sustainably. This is where artificial intelligence (AI) steps in as a game-changer. By leveraging advanced technologies like machine learning, predictive analytics, and automation, AI has the potential to revolutionize agriculture, helping farmers produce more with fewer resources, reduce waste, and adapt to changing environmental conditions. 

Technology, particularly advanced tools like AI, IoT devices, and precision farming techniques, offers powerful solutions to these challenges. These tools provide smarter resource management, real-time monitoring, and predictive decision-making, empowering farmers to increase efficiency and create a more sustainable agricultural system. 

What is agricultural technology?

Agricultural technology (agritech) is the use of innovative tools, systems, and methodologies that apply cutting-edge technologies to enhance the efficiency, productivity, and sustainability of farming practices. 

It plays a transformative role in revolutionizing the sector by enabling smarter, data-driven decisions. Through tools like precision farming, farmers can analyze soil health, optimize irrigation, and apply fertilizers more accurately, leading to reduced waste and increased yields.

Additionally, IoT sensors and drones provide real-time insights into crop health, allowing early detection of pests or diseases and timely interventions. Meanwhile, automation, such as robotic harvesters and self-driving tractors, helps to address labor shortages while improving operational efficiency.

Agritech can also redefine the supply chain, ensuring traceability and reducing food waste through technologies like blockchain and predictive analytics. These innovations not only make farming more productive and sustainable but also help meet the global demand for food in an environmentally responsible way.

The role of AI in revolutionizing agritech

AI's ability to analyze vast amounts of data and deliver actionable insights can revolutionize the agritech sector, introducing smarter, more efficient, and sustainable solutions to traditional farming challenges. By leveraging machine learning, computer vision, robotics, and big data analytics, AI can transform every aspect of agriculture through:

• Precision farming: AI-powered systems analyze data from sensors, drones, and satellites to optimize irrigation, fertilization, and pest control.
• Crop monitoring and disease detection: Computer vision and machine learning models process real-time imagery from drones or cameras to identify early signs of disease, pest infestations, or nutrient deficiencies.
• Autonomous machinery: AI-based self-driving tractors, robotic harvesters, and automated irrigation systems can reduce labor dependency and increase efficiency.
• Supply chain optimization: AI helps streamline the agricultural supply chain by predicting demand, minimizing food waste, and ensuring traceability.
• Predictive analytics: AI analyzes historical and real-time data on weather patterns, soil health, and market trends to forecast yields, predict pest outbreaks, and plan planting schedules. This helps farmers mitigate risks and make informed decisions.

Additionally, AI models can stimulate the effects of climate change on crops, helping farmers adapt by choosing the right seeds, planting strategies, and technologies to sustain production in extreme conditions.

Challenges and Concerns 

Despite the immense potential of AI in agriculture, its adoption comes with significant challenges and concerns that cannot be overlooked. From issues of affordability and accessibility to ethical dilemmas and data security risks, these hurdles highlight the complexities of integrating technology into traditional farming systems.

Finally, the integration of AI into agriculture is not just a technological shift, it is a revolution that holds the potential to address some of the most pressing challenges of our time. From enhancing productivity and sustainability to enabling climate-resilient farming, AI is transforming how food is grown, harvested, and delivered to consumers. As we look to the future, the promise of AI in agriculture lies in its ability to balance the demands of feeding a growing population with the urgent need to protect our planet.

Ghada Ismail

We know by heart how a business trip can feel like piecing together a complex puzzle. With flights to book, accommodations to arrange, meetings to schedule, and budgets to manage, it’s easy to get overwhelmed. Luckily, the digital age offers an arsenal of tools to simplify the process and keep you focused on your objectives. As the final episode in our series on how business travel fuels SME success, we’ve compiled a list of the most effective apps to help you plan, organize, and execute your trips seamlessly.

a. Booking and Accommodation Apps

• Hopper: This app predicts flight and hotel prices with impressive accuracy, helping you book at the best time to save money.
• Airbnb for Work: With options tailored to business travelers, this app offers unique accommodations that feel like home while providing workspace essentials.
• HotelTonight: Ideal for last-minute trips, this app finds discounted rates on same-day hotel bookings.

b. Travel Itinerary Management

• TripIt: Automatically consolidates all your travel details in one place—flights, hotels, car rentals, and more. It’s your go-to travel assistant.
• Google Travel: Syncs with your email to organize itineraries and offers recommendations for your destination.

c. Expense Tracking and Budgeting

• Expensify: Snap photos of receipts, track expenses, and generate detailed reports for reimbursement or record-keeping.
• Splitwise: Perfect for team travel, this app simplifies expense sharing and ensures everyone’s on the same page.

d. Communication and Productivity

• Zoom: Essential for virtual meetings if you need to connect with your team or clients while on the go.
• Slack: Stay in touch with your team, share files, and collaborate seamlessly, no matter where you are.
• Google Workspace: From Docs to Sheets, this suite ensures you can access and edit your work anytime.

e. Local Navigation and Transportation

• Google Maps: Offers reliable navigation, live traffic updates, and public transport options.
• Citymapper: A must-have for urban travel, this app provides detailed transit information and alternative routes.
• Uber: Dependable for rides in most major cities worldwide.

f. Language and Culture Assistance

• Duolingo: Brush up on essential phrases before arriving at your destination.
• Google Translate: Break language barriers by translating text, speech, and even images in real-time.
• Culture Trip: Get insights into local customs, attractions, and dining recommendations.

g. Health and Safety

• MySOS: A health app that helps you locate medical services quickly.
• Sitata: Provides travel safety alerts, identifies health risks, and offers tips to stay safe abroad.

One last word..

As we close this series, it’s clear that the right apps can turn business travel from a source of stress into an opportunity to excel. With tools that help you book flights, manage expenses, and navigate new destinations, you’re equipped to make the most of every trip. This final episode is a reminder that preparation and smart choices are key to success on the road.

As you gear up for your next trip, try incorporating some of these apps into your routine. They’ll not only make your travel experience smoother but also help you stay one step ahead, no matter where your business journey takes you.

Kholoud Hussein 

As the world witnesses rapid technological advancements, the "digital twin" concept has emerged as one of the most groundbreaking innovations reshaping various industries. In alignment with Vision 2030, Saudi Arabia is actively working to adopt and expand this principle across its economy and infrastructure. But what exactly is a "digital twin," and how can it contribute to the Kingdom’s economic transformation?

What is a Digital Twin?

A digital twin is a virtual replica of a physical entity or system, created to simulate and analyze its real-world counterpart. It leverages data collected through sensors, combined with advanced technologies like Artificial Intelligence (AI) and Machine Learning (ML), to provide an accurate and real-time representation of the object or process it models.

For example, a digital twin of an industrial machine can analyze data from the physical machine to predict potential breakdowns, optimize performance, or improve overall efficiency.

Why is Saudi Arabia Interested in Expanding the Use of Digital Twins?

1. Accelerating Digital Transformation Under Vision 2030

Vision 2030 serves as Saudi Arabia’s blueprint for economic diversification and reducing reliance on oil. The digital twin is a strategic tool in achieving this transformation by enhancing efficiency across critical sectors such as industry, energy, infrastructure, and healthcare.

2. Enabling Smart City Development

Through megaprojects like NEOM and The Line, Saudi Arabia is building smart cities that rely on cutting-edge technologies. Digital twins can create virtual models of these cities to evaluate urban planning, optimize energy consumption, and improve residents’ quality of life.

3. Boosting Industrial and Energy Efficiency

By adopting digital twin technology in factories and energy facilities, Saudi Arabia can improve productivity and reduce costs. For instance, it enables real-time monitoring of machinery and optimized maintenance schedules, which enhance operational sustainability.

4. Revolutionizing Healthcare

In healthcare, digital twins can model human bodies to deliver personalized treatment plans and test medical devices virtually before deployment, resulting in more efficient and effective patient care.

How Does the Digital Twin Work?

The digital twin operates through the integration of multiple advanced technologies:

Internet of Things (IoT):
Sensors collect real-time data from physical assets or systems.

Data Analytics:
Collected data is processed and analyzed to generate actionable insights.

Virtual Modeling:
A three-dimensional, dynamic digital replica is created to mirror the physical entity.

AI and Machine Learning:
These technologies enable predictive analytics, optimize processes, and generate intelligent recommendations based on the collected data.

Global Examples of Digital Twin Applications

• Aviation:
  Companies like Boeing utilize digital twins to simulate aircraft performance, reducing operational costs and enhancing flight safety.
• Manufacturing:
  Industry leaders like Siemens use digital twins to optimize production processes and test products before manufacturing them physically.
• Infrastructure:
  Construction companies leverage digital twins to analyze the design and performance of buildings and bridges, improving safety and reducing costs.

Benefits of Digital Twin Technology for Saudi Arabia

• Increased Productivity:
  By analyzing data and optimizing operations, digital twins reduce costs and improve efficiency across various industries.
• Environmental Sustainability:
  Digital twins enhance resource management, such as water and energy, supporting Saudi Arabia’s sustainability goals.
• Improved Quality of Life:
  Applications in smart cities and healthcare provide innovative solutions that elevate the standard of living for citizens.
• Driving a Digital Economy:
  Adopting digital twin technology strengthens Saudi Arabia’s position as a leader in innovation and establishes the Kingdom as a hub for a technology-driven economy.

Challenges of Implementing Digital Twins

Despite its advantages, implementing digital twin technology comes with certain challenges:

• High Costs: Developing and deploying digital twin systems requires significant investment in technological infrastructure.
• Skilled Workforce: Operating and maintaining digital twins requires advanced expertise in AI, data analytics, and IoT.
• Cybersecurity: The vast amount of data collected and processed by digital twins must be protected to ensure privacy and prevent security breaches.

Finally, digital twin technology presents a golden opportunity for Saudi Arabia to achieve its development and technological goals under Vision 2030. From enhancing the efficiency of smart cities to revolutionizing industrial operations and healthcare, digital twins are a strategic tool that supports economic transformation. By embracing this cutting-edge technology, the Kingdom is paving the way to becoming a global model for sustainable development and technological innovation.

Noha Gad

As Saudi Arabia continues its journey towards economic diversification under Vision 2030, the property technology (proptech) and real estate sector has become a focal point for innovation. Proptech is transforming how real estate is managed, bought, and sold, offering new solutions to long-standing challenges in the industry. 

Saudi Arabia, with its ambitious development projects and expanding urbanization, embraces proptech to enhance its real estate ecosystem. From smart cities like Neom to large-scale urban developments in major Saudi cities, the integration of technology into the real estate sector is pivotal. 

Artificial intelligence (AI), big data, and automation streamline property management, improving investment decision-making and creating more personalized experiences for buyers and tenants.

The adoption of these emerging technologies reshaped the real estate landscape, aligning perfectly with the Kingdom’s goal to become a global leader in innovation, sustainability, and economic growth.

How AI revolutionize proptech industry

The integration of AI into real estate operations contributes to streamlining processes, driving efficiencies, and creating smarter, more sustainable urban spaces. AI could revolutionize the proptech industry by providing:

• Predictive analytics and market insights: By analyzing massive datasets, AI tools can forecast property price fluctuations and predict future demand, allowing developers and investors to make more informed, data-driven decisions, and ultimately transforming the way real estate professionals assess property values, market trends, and demand patterns. 
• Smart building and sustainable solutions: AI plays a crucial role in creating energy-efficient, tech-driven buildings as AI-integrated systems could help in optimizing energy consumption monitor, air quality, and adjusting lighting and temperature automatically.
• Streamlining property management: AI could improve the efficiency of property management by automating everyday tasks, while AI chatbots and virtual assistants can handle customer inquiries and schedule repairs. This proactive approach could reduce downtime, improve tenant satisfaction, and help property managers save time and resources.
• Personalized property search to enhance customer experience: AI-powered platforms can offer personalized property recommendations based on user preferences, previous searches, and even financial profiles.
• Virtual property tours: Virtual tours and augmented reality (AR) powered by AI allow prospective tenants and buyers to experience properties remotely, saving time and effort.

AI and risk mitigation

AI algorithms can assess potential risks like market volatility, economic shifts, or project delays, revolutionizing how decisions are made. AI could also help financial institutions and lenders evaluate the creditworthiness of real estate ventures, ensuring smarter financing decisions.

Challenges and ethical considerations of AI in proptech 

Challenges in implementing AI in proptech

While AI is revolutionizing the proptech industry, its adoption comes with challenges and ethical concerns that must be addressed to ensure responsible and effective integration. Key issues include:

• Data privacy and security.
• High implementation costs.
• Upskilling and training the real estate workforce.
• Dependence on large volumes of accurate and high-quality data.
• Integrating A with legacy systems.

Meanwhile, ethical considerations in adopting AI in proptech industry include:

• Algorithms bias: AI systems can unintentionally reinforce biases present in the data they are trained on.
• Transparency and accountability: AI’s decision-making processes are often opaque, making it hard to understand how certain conclusions are reached.
• Impact on employment: Automating tasks such as property management and customer service may lead to job displacement in the real estate sector.
• Ethical use of customer data: Collecting and analyzing customer data for AI-driven insights raises concerns about consent and ethical use.

To sum up, AI is not just a technological trend; it is a transformative force redefining the proptech industry in Saudi Arabia. From streamlining operations and improving decision-making to enhancing customer experiences and supporting sustainable urban development, AI is unlocking new possibilities for innovation and growth.

Kholoud Hussein 

As the Middle East continues to experience transformative economic growth, driven by diversification initiatives and rapid advancements in financial services, global companies like Apex Group are playing a critical role in shaping the region's future. With its extensive expertise and a global presence spanning over 112 offices worldwide, Apex Group has emerged as a trusted partner for businesses seeking tailored financial solutions.

In an exclusive interview with Sharikat Mubasher, Christiane El Habre, the Regional Managing Director - Middle East, discusses Apex Group's strategic focus on supporting economic transformation in the GCC, particularly in Saudi Arabia, a key market under Vision 2030. El Habre elaborates on the company’s efforts to empower the private sector, streamline regulatory processes, and integrate innovative solutions that drive sustainable growth across the region.

The following interview offers a deep dive into how Apex Group combines its global reach with localized expertise to redefine the financial services landscape, creating long-term value for clients while supporting the region's ambitious economic goals.

With Apex Group's extensive global presence, how does the MENA region fit into the company’s broader growth strategy, particularly in terms of expanding services and building regional partnerships?

Apex Group has operated in the Middle East since 2006, offering unmatched local expertise and global reach. The Company has over 120 professionals on the ground in the region, providing end-to-end financial solutions to clients in the UAE, Bahrain, and Saudi Arabia.             
 

Apex Group has strategic partnerships with key regional players, such as Mubadala, supporting our delivery of tailored, one-stop solutions – covering the full value chain and supporting clients’ capital-raising goals.      
 

These capabilities support the region's rapid growth and evolving market demands; as the Middle East becomes a global nexus for asset managers.  

Our focus remains on driving regional partnerships while contributing to developing the financial ecosystem across the MENA region.           

 

Saudi Arabia is rapidly emerging as a business hub in the GCC. What are Apex Group’s primary objectives and strategies for strengthening its presence in the Kingdom, and what unique opportunities does the market present?           

Enhancing Apex Group’s presence in Saudi Arabia is core to our Middle East growth strategy. We opened our Saudi office in 2024, with a plan to increase our in-country presence over the next year.

Apex Group’s capabilities – providing tailored financial solutions to sovereign wealth funds, family offices, and mid-sized enterprises – will be invaluable in supporting the Kingdom’s ambitious Vision 2030 goals.      

For our clients, Vision 2030’s goals of driving economic diversification, private sector development, and infrastructure spending, open significant opportunities to create value via private equity, venture capital, and impact-driven investments.    
 

Given the economic diversification goals under Saudi Vision 2030 and similar initiatives across the GCC, how does Apex Group’s cross-jurisdictional service model support these transformations?

Apex Group’s cross-jurisdictional service model enables clients to seamlessly manage operations across the GCC and beyond. By combining local expertise with global capabilities, we help clients navigate complex regulatory environments and achieve their asset management and/or capital-raising objectives. 

Our comprehensive service offerings — from fund administration and corporate management to capital markets and transactions support — empower asset managers to actively engage with the Vision 2030 agenda; fostering innovation, diversification, and growth.    

Apex Group prides itself on global reach and local service. How does this approach translate into operational efficiency and value creation for clients in Saudi Arabia and the MENA region?

Our global reach ensures clients can access a vast network of resources, while our local teams deliver solutions tailored to regional needs – while remaining cognisant of differing regulatory approaches across markets.        

This hybrid approach allows Apex Group to offer operational efficiencies, reduce complexity, and enhance value for clients. Across the Middle East, our hands-on local teams work closely with clients to provide solutions aligned with their strategic goals and supported by a global infrastructure offering scalability and innovation.           

What role does Apex Group play in strengthening the financial infrastructure across the GCC? Are there specific services or innovations you are introducing to meet the region’s evolving financial and regulatory needs?         

Apex Group plays an active, collaborative role in the GCC’s evolving regulatory landscape. We work closely and continuously engage with regulators to foster a positive business environment for asset managers and portfolio companies. We are an active member of the Middle East Investment Association, advocating for industry interests and working toward shared goals.     

At an individual level, Apex Group is committed to nurturing the financial leaders of tomorrow; partnering with universities to create internship opportunities, building pathways for young professionals to enter the industry and thrive.     
 

This talent pipeline is critical for the long-term success and viability of asset managers operating in the region.    

How does Apex Group plan to support the growth of private sector enterprises in Saudi Arabia and the GCC, particularly mid-sized and family-owned businesses looking to scale or internationalize?

Apex Group has considerable experience in helping clients access international markets and expand to meet business goals.   

For asset managers, we are adept at helping them navigate regulatory complexity, raise capital, and engage with prospective investors – critical items for successful international expansion.

Mid-sized and family-owned businesses benefit from our corporate management and back-office function expertise. Specifically, we enable business leaders to concentrate on growing their business while we manage HR, accounting, or bookkeeping functions – reducing risk exposure, enhancing controls, and improving service quality.

Apex Group’s turnkey solution, Apex BASE, supports efficient expansion support for fast-growing businesses – helping them understand regulatory requirements, jurisdictional complexity, and noncompliance risks.

The MENA region has diverse economic landscapes and regulatory frameworks. How does Apex Group customize its offerings to cater to the specific needs of clients across different jurisdictions in the region?    

Apex Group has a deep understanding of MENA’s diverse regulatory landscapes; accumulated via consistent, collaborative discussions with regional regulators. 

This insight allows us to offer customized solutions addressing each jurisdiction’s specific needs; so, clients can seamlessly operate across markets and achieve business goals.         

In each jurisdiction, our on-the-ground teams play invaluable roles in helping clients understand regulatory requirements, while encouraging positive regulatory evolutions when needed. This helps cement MENA’s growing status as a global hub for asset managers and investors.

How is Apex Group leveraging technology and digital innovation to enhance its services in the MENA region, particularly in Saudi Arabia, where digital transformation is a national priority?

Technology is at the core of Apex Group’s service delivery. Our proprietary cross-asset platform streamlines fund administration, investor relations, and compliance processes, ensuring efficiency and transparency for clients. 

In Saudi Arabia, where digital transformation is a key national goal, we are introducing innovative solutions leveraging AI and data analytics - to enhance decision-making and operational efficiency. 

Sustainability is increasingly becoming a focus in the GCC. What steps is Apex Group taking to integrate ESG (Environmental, Social, Governance) considerations into its services for clients in Saudi Arabia and the broader MENA region?

ESG has been a key consideration for Apex Group for over 15 years. Our dedicated ESG brand, Holtara, supports clients across the full investment lifecycle, from fundraising to exit.

Specifically, we advise and enable clients to understand the evolving ESG landscape – including in the GCC – giving them the ability to conduct informed ESG assessments; drawing on a proven methodology and industry-leading sustainability experts.

These capabilities enable clients to incorporate ESG into their operations, and their portfolio companies – aligning closely with the GCC’s broader push to responsible investment and sustainable growth.

What are Apex Group’s long-term plans for further growth and investment in the MENA region? Are there specific sectors or markets within the GCC that you view as key drivers for the company’s expansion?

Apex Group’s long-term strategy in the MENA region focuses on expanding our presence in high-growth markets such as Saudi Arabia and the UAE. Key sectors include private equity, venture capital, and real assets; aligning with regional diversification and private sector growth goals.   
            
Our commitment to building strong regional partnerships, leveraging technology, and investing in local talent ensures we will remain a key player in the GCC’s evolving financial landscape.