D-01 · LOW RISK
Push utility nudge to D45 dormant cohort
+3.2% activation
Mohamedapproved
ADIB COMMAND CENTER · 6 VARIANTSV1 · Executive CanonV2 · Command DenseV3 · HolographicV4 · Glass MonoV5 · Realtime StreamV6 · Cinematic RoomBanking as it Should be
ADIB · AI INTELLIGENCE PLATFORM
ADIB SHARE Covered Card
Banking as it Should be · Live · 13/05/2026
ADIB ●
ABU DHABI ISLAMIC BANK
ACTIVATION RATE 0-90D
62.4%
+4.1pp
vs 58.3% LM
SWIPE → CASH-BACK LIFT
1.94x
+0.18x
post-utility
30D / 90D RETENTION
78.6%
-1.2pp
cliff @ D71
COST PER ACTIVATED CARD
412AED
-AED 38
blended
SHARIA-COMPLIANT REWARD
98.1%
= 0
audit clean
GCC EXPANSION READINESS
5/7
+1
KSA pending
Competitive Landscape — UAE Cashback Cards
| CARD | SHARE | SHARIA | AIRLINE | RETAIL | TREND |
|---|---|---|---|---|---|
| ADIB SHARE | 14.2% | ● | ○ | ● | +1.8 |
| FAB Cashback | 18.6% | ○ | ○ | ● | +0.4 |
| Emirates NBD U | 17.1% | ○ | ● | ○ | -0.6 |
| Mashreq Smart Saver | 11.3% | ○ | ○ | ● | +0.2 |
| ENBD Lulu | 9.7% | ○ | ○ | ● | +1.1 |
| DIB Prime | 8.4% | ● | ○ | ○ | -0.3 |
| RAKBANK RAKChoice | 6.2% | ○ | ○ | ● | -1.4 |
| CBD Visa Infinite | 5.9% | ○ | ● | ○ | -0.2 |
AI Visibility — Citation Share
ChatGPT34% · 22 cites · #1
Perplexity26% · 18 cites · #1
Gemini19% · 11 cites · #2
Claude12% · 9 cites · #2
Grok6% · 3 cites · #3
Bing CP3% · 2 cites · #4
AI-Surfaced Decisions · Human Approves
D-02 · LOW RISK
Pause Snapchat under-25 spend (cAC > AED 920)
-AED 78K /mo
Nikhilapproved
D-03 · MED RISK
Expand Sharia-compliant reward across all SKUs
+1.1pp retention
Alefiyareview
D-04 · MED RISK
Welcome-bonus reroute: Lulu → Carrefour
+AED 41 ARPU
Mohamedreview
D-05 · HIGH RISK
Helper-inclusive benefit tier — pilot 5K cards
+8.4% NPS
Vivekblocked
GCC Expansion · Readiness
UAE
Live
KSA
Pilot Q3
Kuwait
Scoping
Bahrain
Scoping
Qatar
Backlog
Oman
Backlog
3-Year Arc
Y1
AI Intelligence
Dashboards • assistants • data layer • single source of truth
Y2
CRM Activation
Cohort + lifecycle journeys • 60-90d cliff defeated
Y3
MMM + Econometrics
Cross-channel attribution • marginal-ROI optimisation