Sources & Data

Purpose

This page lists the principal public sources BY BANKS draws on when referencing third-party data, statistics, regulatory frameworks, programmes, and market figures across this Website. It is provided so that readers can locate authoritative primary sources and so that our editorial approach is transparent.

This page should be read alongside the Third-Party Trademarks & Illustrative Content and Third-Party Statistics & Market Data sections of our Terms & Conditions.

Editorial Approach

BY BANKS draws on publicly available information to contextualise the regulatory and market environment in which our services are delivered. Our approach is:

• Public sources only. We reference material that is published by government bodies, regulators, recognised analysts, vendors, and established media. We do not rely on leaked, confidential, or non-public information.
• Point-in-time accuracy. Figures, user counts, programme budgets, and regulatory thresholds reflect the position at the time of publication on this Website. Data changes over time and readers should consult the original source for authoritative current information.
• No independent verification. BY BANKS does not independently audit third-party data. We aim to reference sources we consider credible but make no warranty as to accuracy, currency, or completeness.
• Descriptive, not advisory. References to authorities, programmes, and regulatory frameworks are provided for descriptive context. They do not constitute legal, regulatory, or compliance advice, and readers should seek appropriate professional counsel for decisions.
• Corrections welcomed. Where a figure or reference is inaccurate, we will correct it on request.

UAE Government Strategy & Programmes

Content referencing national and emirate-level strategy draws on official publications from:

• Government of the United Arab Emirates — UAE Centennial 2071; UAE Vision 2031; UAE AI Strategy 2031; UAE Green Agenda
• Government of Dubai — Dubai Economic Agenda (D33); Dubai 2040 Urban Master Plan; Dubai Universal Blueprint for Artificial Intelligence
• Government of Abu Dhabi — Abu Dhabi Digital Strategy 2025–2027; Abu Dhabi Economic Vision 2030
• Federal Authority for Government Human Resources; Ministry of Cabinet Affairs; Ministry of Finance — federal programme and budget disclosures

Digital Infrastructure & Identity

References to national digital infrastructure, identity, and service platforms draw on publications and disclosures from:

• Telecommunications and Digital Government Regulatory Authority (TDRA)
• UAE PASS — joint programme of TDRA, Digital Dubai, and the Department of Government Enablement Abu Dhabi (formerly DGE)
• Digital Dubai / Smart Dubai — Dubai Pulse, DubaiAI, DubaiNow
• TAMM (Abu Dhabi unified government services platform)
• Government Service Bus (GSB) and related integration frameworks

Cybersecurity & Information Assurance

Content referencing national cybersecurity frameworks and information assurance draws on:

• UAE Cyber Security Council
• Signals Intelligence Agency (SIA) — publisher of the UAE Information Assurance Standards (formerly issued under the National Electronic Security Authority, NESA)
• Dubai Electronic Security Center (DESC) — Information Security Regulation and related guidance
• TDRA aeCERT

Regulatory Frameworks — Real Estate & Construction

Content referencing real estate, property, and construction regulation draws on:

• Dubai Land Department (DLD) and Real Estate Regulatory Agency (RERA) — registers, circulars, and published guidance
• DARI (Dubai Land Department property services portal)
• Dubai Municipality — permit, classification, and inspection frameworks
• Trakhees (PCFC) — licensing and approvals for Trakhees-regulated areas
• Dubai Civil Defence — fire and life safety regulations and NOC frameworks
• Abu Dhabi Department of Municipalities and Transport
• Abu Dhabi Department of Urban Planning and Municipalities

Regulatory Frameworks — Financial Services

Content referencing financial services regulation draws on:

• Central Bank of the United Arab Emirates (CBUAE)
• Abu Dhabi Global Market (ADGM) and its Financial Services Regulatory Authority (FSRA)
• Dubai International Financial Centre (DIFC) and the Dubai Financial Services Authority (DFSA)
• Virtual Assets Regulatory Authority (VARA)
• Securities and Commodities Authority (SCA)
• Al Etihad Payments (AEP) — Aani and Jaywan programme disclosures

Industrial Value, Procurement & Trade

Content referencing procurement, industrial policy, and trade frameworks draws on:

• Ministry of Industry and Advanced Technology (MoIAT) — In-Country Value (ICV) Programme and certifying body publications
• Ministry of Economy
• Abu Dhabi Department of Economic Development (ADDED)
• Dubai Department of Economy and Tourism (DET)
• UAE Federal Customs Authority

Anti–Money Laundering & Financial Crime

Content referencing AML, financial crime, and sanctions frameworks draws on:

• Financial Action Task Force (FATF)
• Middle East and North Africa Financial Action Task Force (MENAFATF)
• UAE Executive Office for Anti–Money Laundering and Counter-Terrorism Financing
• UAE Central Bank AML/CFT supervisory guidance

Industry Research & Analysts

Content referencing market sizing, sector trends, and competitive context draws on publications from recognised research providers including:

• MAGNiTT — MENA venture capital and fintech market reporting
• Gartner — technology sector research and Magic Quadrant reports
• Mordor Intelligence — sector market sizing
• Euromoney — banking awards and regional analysis
• Juniper Research; Ken Research; ResearchAndMarkets; PwC; Deloitte; EY; KPMG; McKinsey & Company
• Legal and professional services commentary from major UAE and international firms (Clifford Chance, DLA Piper, Addleshaw Goddard, Ashurst, Gibson Dunn, Bird & Bird, Pinsent Masons, Norton Rose Fulbright, A&O Shearman, Herbert Smith Freehills Kramer, Trowers & Hamlins, and others)

Media & Press

Content referencing specific events, announcements, and market developments draws on established media outlets including Gulf News, The National, Khaleej Times, Gulf Business, Economy Middle East, WAM (Emirates News Agency), Zawya, Reuters, Bloomberg, Financial Times, The Paypers, Ledger Insights, Fintech News UAE, and other recognised publications.

Vendor & Platform Disclosures

Content referencing specific enterprise platforms, banking cores, and software vendors draws on vendor-published product documentation, customer case studies, press releases, and technical materials — including publications from Oracle, SAP, Microsoft, Infosys Finacle, Mambu, Thought Machine, Temenos, Finastra, Surecomp, Red Hat, ServiceNow, Salesforce, and similar vendors.

Reference to a vendor does not imply partnership, reseller status, certification, or any commercial relationship with that vendor unless expressly stated.

BY BANKS Proprietary Research

Where content references figures drawn from our own work — for example, in our digital retail intelligence research — such figures are clearly identified as BY BANKS proprietary research rather than as third-party data. Proprietary figures are drawn from internal analysis of anonymised datasets and are used to illustrate patterns and capabilities. They are not representations about any named client's operations.

Keeping This Page Current

This page is reviewed periodically and updated as our source base evolves. The review date above reflects the last full review. Individual figures on landing pages and articles are not time-stamped; readers requiring current data should consult the primary source directly.

Corrections & Feedback

If you believe a figure, reference, or attribution on this Website is inaccurate, outdated, or should be clarified, please contact us and we will review it promptly. Where a correction is warranted, we will update the relevant content and note the change.