The new application, unveiled in Abu Dhabi on 11 May 2026, is designed to let customers interact with the bank through voice and text commands rather than conventional menus. The AI-powered virtual assistant can help users check balances, move money, manage cards and services, track financial goals and explore the bank’s products through a more personalised interface.
The launch marks a significant step in ADCB’s plan to embed artificial intelligence across its operating model, a strategy announced in 2025 as banks across the UAE intensify investment in digital channels, automated service and fraud prevention. The app combines artificial intelligence, machine learning and advanced data tools to create a system that learns from customer interaction and adjusts recommendations over time.
Customers using the app will be able to access accounts, cards, loans and services from one interface. The bank is also positioning the platform as an investment gateway, offering a unified view of portfolios held with ADCB and enabling transactions across US-listed equities, exchange-traded funds and cryptocurrencies, supported by real-time market access.
Security is central to the design. The app uses biometric authentication, UAE Pass sign-in, AI-driven fraud detection and real-time monitoring to protect transactions and customer interaction. The emphasis on digital identity and behavioural monitoring reflects a wider shift in the UAE banking industry as lenders prepare for stronger authentication standards and reduced reliance on older verification methods.
Mohammed Al Jayyash, ADCB’s Group Chief Operating Officer, said artificial intelligence was central to the bank’s digital transformation and would help reshape customer experience while changing how the bank operates. He said the wider use of AI across ADCB’s platforms would support more seamless, personalised and secure banking journeys, while improving efficiency and service quality.
Pedro Cardoso, Chief Digital Officer at ADCB, said the application opened a new phase in the bank’s digital ecosystem by placing artificial intelligence at the centre of customer interaction. The platform is intended to deliver recommendations tailored to daily banking activity and allow customers to select and activate products through digital channels at any time.
The app arrives at a time when ADCB is reporting strong earnings momentum. The bank posted profit before tax of AED3.781 billion for the first quarter of 2026, up 30 per cent year on year, extending its profit growth run to 19 consecutive quarters. Net profit after tax reached AED3.361 billion, while operating income rose to AED5.934 billion, supported by growth in both interest and non-interest income.
That financial backdrop gives the bank room to invest in technology while competing with other UAE lenders that are upgrading mobile apps, digital payments, wealth platforms and merchant services. The competitive battleground has moved beyond simple digital access to predictive banking, where apps anticipate needs, flag risks, suggest products and reduce the need for branch visits or call-centre interaction.
For customers, the most visible change is likely to be the shift from task-based navigation to conversational banking. Instead of searching for specific functions, users can ask for assistance in plain language. That approach could reduce friction for routine transactions, though its success will depend on accuracy, response speed, clarity of prompts and the bank’s ability to prevent errors in sensitive financial actions.
The inclusion of investment and crypto access also widens the app’s role beyond retail banking. By placing deposits, cards, lending, wealth and trading functions in one channel, ADCB is seeking to deepen customer engagement and capture a larger share of financial activity inside its own ecosystem.
The rollout also comes under closer regulatory scrutiny of AI use in financial services. The Central Bank of the UAE has placed emphasis on responsible deployment of artificial intelligence, consumer protection, governance, transparency and financial stability. Banks adopting AI tools are expected to ensure that automation does not weaken accountability, data protection or fair treatment of customers.
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