▸ DECISIONS LAYER · 12 KPIs · AI RECO ENGINE

Where intelligence becomes action

Every claim cited · Sharia-compliant tone · queue → review → execute

STALE5 PENDING

▸ DECISION BRIEF

3 high-confidence actions ready to ship. AED 18.4M reallocation pending Print → Meta Advantage+ · Murabaha top-up targeting 4,200 Egyptian cohort members · Cardholder reactivation paused pending Sharia review. Combined upside: AED 9.4B over 90 days · all three claims cited to core_banking + meta_ads evidence.

● SEOSTALE

8.3%

AI SOV · #2

Halal Wealth keyword cluster

Top emerging query+180% MoM
GenAI adoption (UAE)64%
Gap to #1 ENBD−2.5 pts

● PAIDSTALE

4.87×

Blended ROAS

Meta Advantage+ · Google PMax · TikTok Spark

Best channel · TikTok6.2×
Worst channel · Email2.1×
Reallocation pendingAED 18.4M

● SOCIALSTALE

8.9%

Engagement Rate

Family-first creative · Sharia tone

Sentiment · TikTok+71% pos
Mentions (24h)12,840
Negative spikes0 flagged

▸ 12 KPI BRICK WALL · COHORT INTELLIGENCE

CYCLE · DAY 38 / 92

TOTAL AUM

GREEN

AED 184.2B

+11.4% YoY · bank-wide

src · core_banking

NET NEW AUM (Q2)

GREEN

AED 9.4B

+23% vs plan

src · core_banking

MARKET SHARE (UAE ISLAMIC)

GREEN

16.8%

+0.6 pts QoQ · #2

src · central_bank

ACTIVE CUSTOMERS

GREEN

1.42M

+9.0% YoY

src · core_banking

COST PER ACTIVE CUSTOMER

GREEN

AED 41.20

−12% YoY · target ≤ 48

src · finance

AI MODELS DEPLOYED

GREEN

+8 vs Q1 · 5 in eval

src · ml_platform

AI RECO ACCEPTANCE

GREEN

78%

+11 pts QoQ · 142 actioned

src · internal_audit

COMPOSITE KPI

GREEN

76 / 100

STRONG · target 80

src · internal_model

DIGITAL ONBOARDING

GREEN

93%

+4 pts QoQ · target 95

src · core_banking

CUSTOMER RETENTION 90D

GREEN

88.7%

+0.9 pts · target 90

src · core_banking

SHARIA COMPLIANCE SCORE

GREEN

99.8%

target 100

src · internal_audit

NET PROMOTER SCORE

GREEN

+6 pts · target 70

src · survey

▸ AI RECOMMENDATION ENGINE

● TARGETconf · 91%

Murabaha top-up to 4,200 Egyptian cohort members

Forecast +AED 187M AUM lift over 90 days. Channel: WhatsApp + email. Sharia review complete.

● PAUSEconf · 94%

Pause email send-list — ROAS 2.1× below 2.8× threshold

Reallocate AED 18.4M from Print + email to Meta Advantage+ for projected +1.5× ROAS lift.

● RETENTION RISKconf · 86%

312 Saudi accounts approaching 45-day inactivity

Trigger WhatsApp Sharia advisory + Halal Wealth offer. Historical winback rate 38%.

● SHIFTconf · 91%

Shift +18% budget Google → Meta

Meta campaign velocity 3.0× higher than Google for SHARE cohort this week.

● EMERGINGconf · 78%

Emerging query: 'ADIB vs FAB rates'

2,300 monthly searches, +180% MoM. Recommend rapid landing page + GEO content.

▸ RETENTION CURVES · BY NATIONALITY COHORT

12-week curve · % active by W12 · target ≥ 85%

STALE

▸ CUSTOMER JOURNEY · AWARENESS → FIRST SPEND

6-stage funnel · last 30 days

STALE

AWARENESS
4,870,000
100.00%
CONSIDERATION
1,240,000
25.50%
APPLICATION
38,240
0.78%
APPROVAL
18,432
0.38%
ACTIVATION
12,459
0.26%
FIRST SPEND
9,140
0.19%

STAGE DROP-OFF

Consideration → Application

BEST CONVERSION

Approval → Activation 67.6%

END-TO-END

0.19% A → FS

▸ DECISION CADENCE · SLA TRACKER

AVG TIME TO ACTION · LAST 30 DAYS

● TARGET
4.2 hrs
cohort offers
● PAUSE
1.1 hrs
budget realloc.
● RETENTION
6.4 hrs
winback
● SHIFT
2.8 hrs
channel optim.
● EMERGING
18.6 hrs
content + GEO