Financial Services

We help financial services organisations navigate disruption, gain competitive advantage and create sustainable change.

We are committed to the future of financial services in the Middle East helping clients shape their businesses. We advise them on the impact of risk and regulation, FinTech, digital innovations and emerging technologies, Financial Crime as well as the changing face of the customer.

Creating sustainable change in financial services

The Middle East financial services market is going through a period of significant change, where we see increasing regulation and significant market consolidation. Challenges lie ahead, but the industry is positioned to respond, backed by strong foundations and deep pools of expertise.

As the pace of change accelerates, financial services organisations need to respond quickly to determine their role in the industry’s evolving ecosystem. Existing disruption from shifting customer behaviours, technology and regulations has been given greater urgency by COVID-19, exposing the need for improved resilience and agility. To stay relevant, organisations need a renewed focus on attracting diverse talent to help embrace technology and create sustainable business models.

At PwC, we are looking to the future of the financial services industry with confidence. However, as the environment evolves, continued success will require a dedicated approach and appreciation of the changes ahead. We believe that by taking a proactive approach to disruption, leadership teams can be confident they will continue to meet customer needs, while building stronger relationships with stakeholders, regulators and society.

Together, we can create sustainable change in financial services.

How we can help

We are committed to the future of financial services in the Middle East, effectively working with clients as they shape their businesses and execute their strategies. We advise on key issues such as the impact of risk and regulation, financial crime, innovations in mobile and digital technologies, the disruptive impact of FinTech, as well as the changing face of the customer. We use proven methodologies to design and execute business transformation backed by blueprint designs that are used as accelerators. We have invested heavily in building our technology capabilities, focusing on the areas that we believe bring the most value to our clients, including data and analytics, technology transformation and cyber.



PwC's Banking practice provides guidance on retail banking, risk and regulation, FinTech, consumer credit, private banking and more.

How we can help

Regulatory reform, more stringent capital requirements, risk management considerations, disruptive technologies, a low interest rate environment, and enhanced reporting requirements are all challenges to growth in banking and capital markets. Sophisticated strategies and solutions will be required for financial institutions to gain a competitive edge. PwC professionals assist many of today's largest banks and securities firms with their most challenging issues in every segment of the financial industry: consumer/retail banking, commercial banking, wholesale banking, mortgage banking, securitisation, capital markets, insurance, investment management, broker/dealer and real estate.


Financial Services is facing sweeping technological changes that are profoundly impacting the way clients do business.

FinTech is changing the Financial Services industry from the outside in. Fintech is all about innovation, disruption and transformation, and will undoubtedly impact and shape the way financial institutions around the world operate. Explore the key themes of PwC's latest report on FinTech: Redrawing the lines: FinTech’s growing influence on Financial Services, based on a PwC survey of over 1,300 senior financial services and FinTech executives from 71 countries. This is something that affects everyone in the FS industry so please get in touch with our team of specialists to talk about what that means for your business.

Risk and regulation

Financial services risk and regulation - many see it as a challenge, we see it as an opportunity. An opportunity to stand out. An opportunity to grow. An opportunity to build trust.

Financial Crime

This has become a major issue for all financial services organisations as well as many others caught up in its scope. The compliance focus and the associated costs are substantial, and at all levels the penalties for failure have become ever more significant.

PwC has an established global network of specialists working to combat financial crime in areas such as:

  • Cybersecurity
  • Fraud
  • Anti-money laundering, counter terrorist financing and sanctions
  • Anti-bribery and corruption
  • Market abuse

We work with you to provide innovative and advanced solutions for responding to Financial Crime incidents, remediating past deficiencies, developing enhanced operating models, and optimising transaction monitoring systems.


The insurance industry is undergoing a fundamental transformation. Even before the COVID-19 pandemic, new regulations, new technology, accelerating shifts in consumer demand and mounting competition from InsurTech players were challenging insurers.

We can help navigate this increasingly complex and uncertain business and geopolitical landscape. To make the most of these opportunities, we can help organisations look beyond the traditional boundaries of the insurance business to embrace new ways of working, new ways of interacting with customers, and whole new possibilities in what their business can deliver.

Learn more


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Contact us

Mehryar Ghazali

Mehryar Ghazali

Partner | Financial Services Leader | Ventures Leader, PwC Middle East

Tel: +971 4 304 3100

Dr Sandeep Srivastava

Dr Sandeep Srivastava

Partner | Financial Services Consulting Leader, PwC Middle East

Tel: +971 4 304 3100

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