The Digital Nation Pakistan Act 2025 anticipated potential regulatory overlap, required the Pakistan Digital Authority to avoid it, and established a mechanism for resolving conflicts. Yet the operational relationship between PDA's AI…
A conceptual white paper on how Murabaha, Ijara and Tawarruq structures affect PD, LGD, EAD and model governance in Shari'a-compliant consumer lending.
The cleanest aggregate capital result in six years was driven not by stronger bank portfolios but by the scenario’s interest rate assumptions. The 2026 severely adverse scenario set a floor for 10-year Treasury yields at 2.3% — nearly triple the 0.8% used in 2024.
Governments are digitising identity, taxation, payments, public services, health records, licensing, border systems and increasingly artificial intelligence. The tendency is to treat each initiative as a technology programme. At country level, that is too narrow.
Key AI developments across the Middle East from 2022 to 2025: sovereign deals, regional models, autonomous mobility and data protection regimes, with scenarios and an operator playbook for the GCC.
The adoption of Continuous Control Monitoring (CCM) is growing , but it is far from universally implemented — and the pace of integration varies widely by region, industry, and organizational maturity.
The Gulf Cooperation Council (GCC) remains one of the fastest-growing fintech regions globally, but scaling across markets still presents notable hurdles.
Despite rapid advances in digital transformation and cybersecurity awareness, there remain several underappreciated and underregulated digital disruption risks that pose serious threats across industries. These risks often fall between traditional enterprise risk domains, making them harder to govern and monitor effectively.
In the evolving field of Enterprise Risk Management (ERM), heat maps continue to serve as a prominent visualization tool, aiding organizations in quickly identifying, prioritizing, and communicating risks effectively.
Regulators increasingly require corporates and financial services firms to incorporate Environmental, Social and Governance (ESG) risks into their due diligence and reputational risk management processes.