Product Analyst

The Product Analyst is a real-time AI assistant that maps all of ADIB’s products to competing products in the UAE market. It provides ready-to-use, Shari'a-compliant, benefit-oriented responses that help sales teams convert faster and pitch smarter
Product Analyst

Developed by Crayon Data

Personalized Banking Journeys. Powered by AI. Delivered Everywhere

Strategic Business Value for ADIB

The Value it delivers
  • New-to-bank customer acquisition with lower cost-per-lead
  • Cross-sell/upsell opportunities through personalized journeys
  • Reduced reliance on high-cost ATL/BTL channels
  • Increased ROI through smart targeting and conversion

Business Use Case

Cards & Auto Finance

Covered Cards

  • ~3M active card users in UAE
  • Top players: Emirates NBD, FAB, HSBC, ADCB hold majority share
  • ADIB’s market share: <5% (estimated)
  • Avg. cost of acquisition (CPA): AED 600–1,000 per user
  • Current acquisition mix: ATL (TV, outdoor), digital ads, internal referral

Auto Finance

  • 100K+ car loans issued annually in UAE (new + used)

  • Average loan ticket: AED 60K–100K

  • Competitor share: Emirates Islamic, Emirates NBD, ADIB (limited digital capture)

  • Current mode: In-branch upsell, dealership partnerships

Use Case Expansion: Beyond Credit Cards

Gen AI Value Chain

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