ACTIVATION RATE 0-90D
ON TRACK62.4%
+4.1pp
vs 58.3% LM
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
13/05/2026
v4 · GLASS MONO
SWIPE → CASH-BACK LIFT
ON TRACK1.94x
+0.18x
post-utility
30D / 90D RETENTION
WATCH78.6%
-1.2pp
cliff @ D71
COST PER ACTIVATED CARD
ON TRACK412AED
-AED 38
blended
SHARIA-COMPLIANT REWARD
ON TRACK98.1%
= 0
audit clean
GCC EXPANSION READINESS
ON TRACK5/7
+1
KSA pending
◆ AI-Surfaced Decisions
D-01
Push utility nudge to D45 dormant cohort
+3.2% activation
Mohamed · LOWAPPROVED
D-02
Pause Snapchat under-25 spend (cAC > AED 920)
-AED 78K /mo
Nikhil · LOWAPPROVED
D-03
Expand Sharia-compliant reward across all SKUs
+1.1pp retention
Alefiya · MEDREVIEW
D-04
Welcome-bonus reroute: Lulu → Carrefour
+AED 41 ARPU
Mohamed · MEDREVIEW
D-05
Helper-inclusive benefit tier — pilot 5K cards
+8.4% NPS
Vivek · HIGHBLOCKED
UAE Competitive Landscape
ADIB SHARE14.2%
↑ 1.8
FAB Cashback18.6%
↑ 0.4
Emirates NBD U17.1%
↓ 0.6
Mashreq Smart Saver11.3%
↑ 0.2
ENBD Lulu9.7%
↑ 1.1
DIB Prime8.4%
↓ 0.3
RAKBANK RAKChoice6.2%
↓ 1.4
CBD Visa Infinite5.9%
↓ 0.2
AI Visibility · Citation Share
ChatGPT34% · #1
Perplexity26% · #1
Gemini19% · #2
Claude12% · #2
Grok6% · #3
Bing CP3% · #4
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