Money Majlis · 2026-05-22 · 1h 43m
Send us Fan Mail What does it really take to rebuild a bank from the inside out - without breaking it, and without losing what made it trusted in the first place? In this episode of Money Majlis, Suvo Sarkar sits down with his former colleague and co‑architect of Emirates NBD’s transformation, Miguel Rio Tinto, Group Chief Digital and Information Officer at Emirates NBD. Together, they revisit an eight‑year journey that turned a commercially strong but technologically constrained bank into one of the region’s most advanced digital institutions, and now a live testbed for large‑scale AI in financial services. Miguel takes us inside the AED 1 billion technology overhaul that rebuilt Emirates NBD on a cloud‑native, software‑defined foundation, from private cloud and consolidated core banking to a modern data platform and a 2,300‑strong engineering organisation working in cross‑functional tribes. He is candid about what went wrong along the way, including the tense August 2020 core migration in the middle of Covid, and the hard decisions the executive team had to make to sacrifice short‑term innovation for long‑term resilience.
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