MBMEPay — AI Transformation & Enhancement Strategy

AI Use Cases

Prioritised & sequenced

Features AI-Touchable

49% of 191 features

Est. Annual Return

AED 21.5M

Midpoint of 12.5M-30.5M range

Year 1 Investment

AED 5.1M

Midpoint of 4.15M-6.10M

Regulatory Deadline

171

Days to Sep 16 2026

Break-Even

M4-8

UC-03 routing savings immediate

PROTECT

Secure the transaction ecosystem

UC-01 ML Fraud Detection

UC-02 Merchant Onboarding Risk Score

UC-05 CBUAE Compliance Automation

COMBINED ROI

AED 5.5M-14M

OPTIMISE

Maximise revenue per transaction

UC-03 Dynamic Transaction Routing

COMBINED ROI

AED 4M-9M

GROW

Win and retain more merchants

UC-04 Predictive Merchant Analytics

UC-06 Digital Wallet Personalisation

COMBINED ROI

AED 3M-7.5M

ROI by Use Case AED Millions

Feature Readiness by AI Use Case % Ready

AI Impact on Existing Modules Feature Count

Market Context

USD 213B

UAE Payments Market 2026

5.18% CAGR to USD 275B by 2031

USD 52B

UAE Fintech Market 2026

11.58% CAGR, acquirers at the core

30-40 bps

Jaywan Margin Compression

AI routing is the recovery mechanism

15-20%

Annual Merchant Churn (Industry)

AI target: < 5% with UC-04

Regulatory Imperative

Federal Decree-Law No. 6/2025 mandates fraud prevention systems for all licensed PSPs by September 16, 2026. Non-compliance is a criminal offence with fines up to AED 500M. ML explainability (SHAP) is expected for CBUAE audit.

Every Feature Mapped to AI Enhancement Potential

ID	Feature	Module	Status	AI Use Case	AI Enhancement	AI Type	Strategic Value

AI Readiness per Use Case

Prerequisite Features Status

Gaps to Close Before AI Deployment

Gap	Blocking UC	Current Status	Urgency

12-Month AI Implementation Roadmap

Phased Rollout

KPI Targets Month 6 vs 12

Technology Stack (AWS UAE Region me-central-1)

Decision Engine

Rules + ML Threshold Config, Human-in-the-Loop Review

ML Inference (<30ms)

AWS SageMaker, TensorFlow 2.x, XGBoost, LightGBM, PyTorch Geometric (GNN)

Feature Store

SageMaker Feature Store + Redis Enterprise (sub-ms reads)

Streaming

Amazon Kinesis Data Streams, AWS Lambda, API Gateway

Data Lake

Amazon S3 + Glue, Redshift, Athena

Security & Compliance

AWS KMS, Amazon Macie (PII), Thales HSM, SageMaker Clarify (SHAP)

7 Launch Actions (Month 1)

Conservative 12M ROI

2.0x

Low end return / investment

Optimistic 12M ROI

7.3x

High end return / investment

18-Month Blended Target

3-5x

Conservative target for board

Break-Even

M4-8

UC-03 routing savings from go-live

Annual Return by Use Case (AED M)

Investment Breakdown

Category	Year 1 Est.	Notes
AWS Infrastructure	AED 1.2-1.8M	SageMaker, Kinesis, S3, Redshift, KMS
AI/ML Team	AED 1.5-2.2M	Head of AI, 2 ML Engineers, Data Engineer
Data & Integration	AED 0.8-1.0M	Data lake, feature store, API integration
Compliance & Audit	AED 0.4-0.6M	PCI DSS v4.0, CBUAE audit, QSA
Vendor & Tooling	AED 0.25-0.5M	MLOps tooling, monitoring, alerting
TOTAL	AED 4.15-6.10M

MBMEPay — AI Transformation Strategy

PROTECT

OPTIMISE

GROW

ROI by Use Case AED Millions

Feature Readiness by AI Use Case % Ready

AI Impact on Existing Modules Feature Count

Market Context

Prerequisite Features Status

Gaps to Close Before AI Deployment

Phased Rollout

KPI Targets Month 6 vs 12

Technology Stack (AWS UAE Region me-central-1)

7 Launch Actions (Month 1)

Annual Return by Use Case (AED M)

Investment Breakdown

Cumulative ROI Trajectory (12 Months)

ROI by Strategic Value Category