Back to all aviation news

Amadeus EMEA’s Maher Koubaa on the AI reshaping travel and the barriers that remain

The EVP – Travel Unit and MD EMEA at Amadeus IT Group shares how AI will reshape search, booking and disruption management

Neesha Salian
Neesha Salian

21 August, 2026

Amadeus EMEA’s Maher Koubaa on the AI reshaping travel and the barriers that remain
Image: Supplied

TT

16

Artificial intelligence has become the travel industry’s favourite talking point, but the harder question is where it actually changes the journey, and how soon. Amadeus, the travel-technology group whose systems sit behind much of the world’s flight search, booking and airline operations, has made AI a central focus, from acquisitions to a push into so-called agentic tools that can act on a traveller’s behalf rather than simply answer questions.

The Middle East is a natural test bed. Carriers across the region are expanding fast and investing hard in digital experience, even as the fundamentals of personalisation, clean data, connected systems, and trusted infrastructure remain a work in progress everywhere.

We spoke with Maher Koubaa, executive vice president, Travel Unit and MD EMEA at Amadeus IT Group, about how AI will reshape search, booking and disruption management first; why “personalisation at scale” is still so difficult; what happens to airlines, OTAs and booking platforms when the interface becomes conversational; how digitally native travellers are shifting expectations; and where AI and analytics fit into aviation’s tightening sustainability goals.

Amadeus has been investing heavily in AI, including acquisitions like SkyLink and broader AI-powered travel capabilities. How do you see AI reshaping the travel experience over the next three to five years, and which parts of the journey, search, booking, disruption management, or in-trip services, will feel the impact first in a meaningful way?

AI is expected to reshape the travel experience by making it more conversational, personalised and responsive across the journey. In the near term, the biggest impact will likely be felt in areas where travellers need faster support and where airlines manage high volumes of repetitive or complex interactions.

Search and trip planning will be one of the first areas to change meaningfully. Instead of using fixed search boxes and filters, travellers will increasingly be able to describe what they want in natural language and receive more relevant options based on their intent, preferences and context.

Booking and servicing will also evolve. Agentic AI can help airlines move from basic chatbots that answer questions to AI agents that can act within airline-defined boundaries, for example helping a traveller change a flight, identify the booking, propose alternatives, explain fare differences and initiate payment.

Disruption management is another immediate use case. During delays, cancellations or major operational events, airlines need to respond to large numbers of passengers quickly and personally. AI agents can help scale that response while escalating more complex or sensitive cases to human teams.

Over the next three to five years, the travel experience should feel less fragmented. AI will support a more connected journey across inspiration, booking, servicing, disruption support and post-trip engagement, but this will depend on strong data foundations, trusted systems and responsible governance.

The industry has been talking about personalised retailing and NDC for several years, but adoption remains uneven. What progress are you seeing among airlines in the Middle East specifically, and what is still holding back true scale when it comes to dynamic, personalised travel offers?

The direction of travel is clear: airlines want to move from generic offers and broad segmentation towards more dynamic, personalised retailing. The Middle East is particularly relevant because airlines in the region are investing heavily in growth, customer experience and digital transformation.

However, true personalisation at scale remains difficult. One of the biggest barriers is data fragmentation. Traveller information often sits across multiple systems, including CRM, loyalty, digital, passenger service and order management platforms. Without a unified view of the traveller, it is difficult to personalise offers in a meaningful and consistent way.

Another challenge is operational complexity. As airline retailing becomes more sophisticated, rules-based approaches can become difficult to manage. The report notes that one airline customer would have needed to manage 17,000 unique rules to match product bundles to customer segments. AI can help by using data and machine learning to propose more relevant offers or actions in real time, rather than relying only on manual rules.

NDC and new retailing systems are important foundations, but technology alone is not enough. Airlines also need high-quality data, system compatibility, governance, and the ability to connect AI with trusted systems of record. In the Middle East, the opportunity is significant because the region is building for scale, but the same fundamentals apply: personalisation depends on the strength of the underlying data and technology architecture.

As AI evolves from recommendation tools to more autonomous agents, do you see a future where travellers delegate full trip planning and booking to AI systems? How might that reshape the role of airlines, OTAs, and GDS platforms?

Yes, we do see a future where travellers delegate more of the planning and booking process to AI systems, but it will happen gradually rather than overnight. The report shows that AI is already mainstream in travel planning, but usage today is still mainly assistive. Only a small share of travellers currently rely on AI to handle most of their travel planning, which shows that trust, control and reliability still matter.

As agentic AI matures, travellers may increasingly ask AI assistants to plan an entire trip, compare options, recommend flights, hotels and services, and eventually help complete bookings. This changes the role of airlines, OTAs and travel technology platforms. Airlines will need to make sure their offers are visible, accurate and bookable through AI channels, while also protecting their brand, customer relationship and commercial strategy.

OTAs and travel sellers will need to think about how they add value when the interface becomes conversational and intent-led. GDS and travel technology platforms will remain important because AI still needs access to trusted, dynamic travel data and reliable transaction infrastructure. AI may recommend or orchestrate the journey, but the underlying booking, payment and servicing processes still need to be executed securely and accurately through trusted systems.

So the future is not about AI replacing the travel ecosystem. It is about AI becoming a new interface and orchestration layer on top of the ecosystem.

Amadeus’ travel trends research points to rising demand for hyper-personalisation and AI-assisted trip planning. How are expectations changing among younger, digitally native travellers, and what does that mean for how airlines, hotels, and destinations design and package travel?

Younger, digitally native travellers expect travel to feel more intuitive, relevant and responsive. They are used to digital experiences that understand context and reduce friction, so they are less tolerant of generic offers, static information and complicated processes.

The reports point to a broader shift: travellers want experiences and products that are tailored to the specific trip, not simply added as a generic extra. In travel protection, for example, younger travellers show stronger interest when coverage is personalised and relevant to the nature of the trip. The same principle applies more broadly across travel retailing.

For airlines, hotels and destinations, this means packaging needs to become more contextual. Travellers may not just want a flight or a hotel room; they want a trip that fits their purpose, budget, timing, preferences and risk profile. AI can help by interpreting intent, bringing together data from different systems, and creating offers that are more relevant to the individual traveller.

This also means communication needs to be clearer. Travellers expect plain-language explanations, real-time support and transparent options. Whether it is a flight bundle, an upgrade, a hotel offer or travel protection, the value needs to be easy to understand at the moment of decision.

Sustainability targets are tightening across aviation. How is technology, particularly AI and advanced analytics, helping airlines optimise operations such as routing, fuel efficiency, and load factors while maintaining commercial performance?

Technology can support sustainability by helping airlines make better, faster and more data-driven operational and commercial decisions. While the report does not focus specifically on sustainability, it does show how agentic AI and advanced analytics can help airlines optimise complex workflows and improve efficiency.

For example, AI can support operational teams by monitoring performance, simulating scenarios, recommending actions and helping coordinate decisions across traditionally siloed functions. This is relevant to areas such as disruption management, turnaround, capacity planning and operational control.

On the commercial side, AI can help revenue management and marketing teams understand demand signals more quickly and optimise route promotion and load factors. The report highlights AI-powered marketing tools that can identify which routes to promote, link commercial KPIs to market signals such as hotel occupancy and competition, and optimise campaign execution.

The sustainability link is that more efficient operations can reduce waste, improve resource utilisation and support better planning. At the same time, airlines need to maintain commercial performance, so the opportunity is not simply to reduce activity, but to use data and AI to make smarter decisions across operations, capacity and demand.

No reiki, no NLP: Kuwait unveils tough new rules for therapists and counselors

The regulations prohibit non-physician practitioners from prescribing or adjusting drugs, medicines or supplements

Nida Sohail
Nida Sohail

20 August, 2026

No reiki, no NLP: Kuwait unveils tough new rules for therapists and counselors

TT

16

Kuwait’s Ministry of Health has banned psychotherapists and psychological counselors from offering or promoting treatments that lack established scientific evidence, as part of a new regulatory framework governing the profession in the government and private sectors.

The rules, issued under Ministerial Decision 225 of 2026 by Health Minister Dr Ahmad Al-Awadhi, also establish requirements covering professional licensing, qualifications, clinical training, workplace standards and advertising.

Read more-MoHRE clarifies health insurance rules for work permits: What employers need to know

Offices already undergoing the licensing process will have six months to comply with the new requirements, while practitioners working in the government sector will have 18 months to regularize their status.

According to a Kuwait Times report, the decision is intended to protect clients and prevent the use of practices that do not have a recognized scientific basis.

Broad ban on alternative practices

The decision introduces an outright ban on providing or promoting therapeutic services that are not supported by established scientific evidence. The prohibited practices are divided into four broad categories.

The first covers energy and spiritual therapies, including energy healing, Reiki, pranic healing, treatment involving stones and crystals, spiritual and cosmic healing, “star seeds,” astral projection, and the activation of chakras, the aura or energy field.

The second category includes programming and mental guidance practices that are not evidence-based. These include neuro-linguistic programming (NLP), cognitive programming, mental and psychological engineering, positive affirmations, psychological genetic activation, and psychological or neuro-spiritual preparation.

The third group covers suggestive and performative practices, including stage or fake hypnosis, law of attraction therapy, handwriting analysis, or graphology, body language analysis and time line therapy.

The fourth category concerns relaxation and frequency techniques, including psychological yoga, breath control for meditation, Emotional Freedom Techniques (EFT), color therapy, treatment using frequencies and sound vibrations, tapping and thought field techniques.

The regulations also bring life coaching and self-development activities under the licensing framework, stating that they cannot be practiced outside an approved professional license.

New rules for qualifications

The decision defines regulated professional titles in the sector as senior psychotherapist, psychotherapist and psychological specialist. It also establishes a specialised applied behavior analysis track, covering senior applied behavior analysts, behavior analysts and assistant analysts.

Applicants must hold qualifications from recognized educational institutions, with official equivalency where required. Their studies must also have been completed through regular, in-person attendance.

The rules require directly supervised clinical training and documentation of a specified number of face-to-face therapy sessions carried out inside licensed health facilities.

A psychological specialist with a bachelor’s degree will have a limited role. Such practitioners may conduct preliminary interviews, collect data and administer psychological scales under the direct supervision of a senior psychotherapist.

They may not independently provide therapy, conduct independent sessions, develop treatment plans or present themselves to the public as psychotherapists.

Psychotherapists, meanwhile, may conduct clinical assessments, formulate cases and make diagnoses under approved systems, including the Diagnostic and Statistical Manual of Mental Disorders (DSM-5-TR) and the International Classification of Diseases (ICD-11). Such diagnoses must be linked to assessment and treatment planning and cannot carry medical or pharmacological consequences.

Restrictions on medication and emergency cases

The regulations prohibit non-physician practitioners from prescribing or adjusting drugs, medicines or supplements.

Electroconvulsive therapy, along with magnetic and nerve stimulation techniques of all kinds, is restricted to specialist doctors.

Practitioners must also make an urgent referral to a psychiatrist or specialised hospital when clients present with active suicidal thoughts, severe agitation or acute symptoms related to psychoactive substance use.

Stricter standards for private centers

Private psychological centers and complexes must have examination rooms measuring at least nine square meters and designed to ensure privacy and isolation. Rooms must also have an alarm system to summon assistance when necessary.

Surveillance cameras are limited to corridors and waiting areas, with recordings retained for three months. Recording sessions is prohibited without the client’s prior written consent.

Each complex must appoint a full-time senior psychotherapist to serve as its technical director.

The decision also prohibits misleading advertising and the promotion of psychological services through unlicensed platforms or centers.

Offices and companies that had already begun licensing procedures before the decision was issued will have six months to bring their operations into compliance. Those that had not started the licensing process must stop operating immediately.

Government-sector practitioners have 18 months to adjust their professional status and meet the requirements under the new regulatory framework.

Armed group hijack tanker off Yemen, divert it towards Somalia

Six armed people boarded the tanker in the Gulf of Aden and took control of the vessel, diverting it towards Somalia, according to UKMTO

Reuters
Reuters

20 August, 2026

Armed group hijack tanker off Yemen, divert it towards Somalia

TT

16

A tanker was boarded by six armed people who took control of the vessel and diverted it towards Somalia, the United Kingdom Maritime Trade Operations (UKMTO) said on Thursday.

UKMTO earlier said it had received a report of an incident 136 nautical miles east of Yemen’s Mukalla, where the tanker, travelling west in the Gulf of Aden, reported being approached by an unauthorised vessel.

UKMTO provided no further details and did not say whether the tanker or its crew were safe.

View post on X

UAE Nafis rules change in September: What employees need to know

New Nafis rules will introduce a Dhs6,000 minimum salary threshold, revised salary support, uncapped child allowances and changes to pension contributions from September 2026

Gareth van Zyl
Gareth van Zyl

20 August, 2026

UAE Nafis rules change in September: What employees need to know

TT

16

UAE nationals working in the private sector will see major changes to Nafis salary support, child allowances and pension contributions from September 2026, as the government begins rolling out an updated framework for the programme.

Nafis is the UAE government programme designed to increase the number of Emiratis working in the private sector. Launched in 2021 as part of the Projects of the 50, it provides a range of incentives and benefits for UAE nationals, including salary top-ups, pension support, training programmes and child allowances.

The programme has since been extended until 2040 as part of the UAE’s wider Emiratisation drive. More than 176,000 Emiratis had entered private-sector employment through Nafis initiatives by the end of March, according to the Emirati Talent Competitiveness Council (ETCC).

From September, however, several of its key benefits will operate under new rules.

Dhs6,000 minimum salary for Nafis support

One of the biggest changes is the introduction of a standard Dhs6,000 minimum monthly salary for Nafis eligibility across qualifying categories.

Under the revised framework, new beneficiaries will be eligible for maximum monthly salary support of:

  • Dhs6,000 for bachelor’s degree holders
  • Dhs5,000 for diploma holders
  • Dhs4,000 for secondary-school graduates
  • Dhs4,000 for those below secondary-school level who are married or have dependants
  • Dhs3,000 for those below secondary-school level who are unmarried and have no dependants
  • The new salary-support framework applies where an employee’s monthly salary does not exceed Dhs20,000.

For existing Emirati Salary Support Scheme beneficiaries receiving more than the amount allowed under the new system, the change will be phased in rather than applied immediately.

Their support will be reduced automatically by Dhs500 every six months until it reaches the level specified under the new policy.

Different transitional arrangements will apply to workers outside the remit of the Ministry of Human Resources and Emiratisation and the Central Bank of the UAE, including some employees in free zones.

For those earning below the new Dhs6,000 threshold, eligibility will depend on their salary being adjusted to the approved minimum.

Once corrected to Dhs6,000, eligible workers can receive 100 per cent of their existing support for six months from September, followed by 70 per cent for another six months and 30 per cent for a further three months.

Dhs600 child allowance with no cap on children

Nafis is also expanding its Child Allowance Scheme.

Eligible Emiratis working in the private sector will continue to receive Dhs600 per month for each qualifying child, but the previous limit on the number of children covered by the scheme is being removed.

The previous framework limited the allowance to four children.

The government said removing the cap is intended to strengthen family stability and improve quality of life for Emirati families.

The Nafis overhaul will also extend salary support to additional groups.

New schemes will cover eligible children of Emirati mothers working in the private sector, as well as qualifying wives of Emirati citizens working in the private sector, with salary support under the expanded programmes reaching up to Dhs3,000 per month.

Employers to pay their share of pension contributions

Changes are also being introduced to Nafis’ pension-support programme.

Nafis will continue to support pension-fund contributions for eligible Emiratis registered under its Subscription, or Eshtirak, programme.

From September, however, private-sector employers will be responsible for paying their own statutory share of pension contributions for Emirati employees enrolled in the scheme.

The broader reforms follow the UAE government’s decision earlier this year to extend Nafis until 2040, as authorities seek to make private-sector careers more attractive and sustainable for Emirati nationals.

Which Abu Dhabi concerts have been cancelled in 2026?

The Corrs are the latest major act to call off an Abu Dhabi show, following Christina Aguilera, while the Shakira-led OFFLIMITS festival has pushed its return to 2027

Gareth van Zyl
Gareth van Zyl

20 August, 2026

Which Abu Dhabi concerts have been cancelled in 2026?
From left to right: Shakira, Christina Aguilera, Andrea Corr (part of The Corrs). (Images: Instagram)

TT

16

The Corrs have become the latest major act to cancel an Abu Dhabi concert, with their September 27 show at Etihad Arena no longer going ahead.

The Irish sibling group announced the decision on August 19, citing “unforeseen circumstances beyond our control”, just a day after Christina Aguilera’s September 25 appearance at the same venue was also cancelled.

The announcements come during a week of significant changes to Abu Dhabi’s live entertainment calendar, with the Shakira-led OFFLIMITS festival also confirming its 2026 edition will not take place as planned.

Here’s what has been cancelled or postponed so far.

The Corrs — September 27

The Corrs were due to perform at Etihad Arena on September 27, but announced on August 19 that the concert had been cancelled due to circumstances outside their control.

Fans were told refunds would be available from the original point of purchase. No replacement date has been announced.

Christina Aguilera — September 25

Christina Aguilera’s Etihad Arena concert was cancelled on August 18, with Ticketmaster confirming that ticket holders would receive full refunds.

The show had already been rescheduled once, having originally been planned for April before being moved to September 25.

No reason for the latest cancellation or a replacement date has been announced.

OFFLIMITS — postponed to 2027

OFFLIMITS is slightly different from the individual concert cancellations.

Organisers announced this week that the 2026 edition has been postponed to 2027.

The festival had been scheduled for November 21 at Etihad Park, with Shakira headlining alongside Jonas Brothers, NE-YO and Biffy Clyro.

OFFLIMITS had already been moved once this year, from April 4 to November amid heightened regional tensions.

The festival debuted in Abu Dhabi in April 2025, with Ed Sheeran headlining a bill that also included OneRepublic, Faithless and Kaiser Chiefs.

Muse

Muse were among the first major international acts to cancel an Abu Dhabi concert in 2026.

The British rock band had been due to perform at Etihad Arena on February 4, but announced in January that the show would no longer go ahead.

The band cited “unforeseen circumstances beyond our control”, with promoter Live Nation confirming that ticket holders would receive automatic refunds.

No rescheduled Abu Dhabi date has been announced.

Despite the recent changes, Abu Dhabi’s live events calendar remains active. Hans Zimmer is still scheduled to perform at Etihad Arena on November 13, while Andrea Bocelli is due to appear on December 2 during Abu Dhabi Grand Prix race week.

One month of Jaywan: Here are the airlines, retailers now taking the UAE’s national card

Jaywan is operated by Al Etihad Payments, a subsidiary of the CBUAE, and has been designed as the UAE’s national domestic card payment scheme while remaining connected to global payment networks

Nida Sohail
Nida Sohail

20 August, 2026

One month of Jaywan: Here are the airlines, retailers now taking the UAE’s national card

TT

16

Just one month after the UAE officially launched its national card scheme, Jaywan is already moving beyond its rollout phase and into everyday transactions, with acceptance spanning airlines, retail and leisure destinations, government payments, physical stores and thousands of online merchants.

The UAE’s first national card scheme was inaugurated on July 20, 2026, by His Highness Sheikh Mansour bin Zayed Al Nahyan, Vice President, Deputy Prime Minister, Chairman of the Presidential Court and Chairman of the Central Bank of the UAE (CBUAE).

The launch marked the official commencement of nationwide Jaywan card issuance by banks, licensed financial institutions (LFIs) and exchange houses, with cards being rolled out to consumers in phases.

The announcement came during Sheikh Mansour’s reception of Khaled Mohamed Balama, Governor of the CBUAE, alongside members of the Board of Directors of Al Etihad Payments and chief executives from banks, LFIs and local and international payment companies, according to the UAE’s official news agency, WAM.

Jaywan is operated by Al Etihad Payments, a subsidiary of the CBUAE, and has been designed as the UAE’s national domestic card payment scheme while remaining connected to global payment networks.

Read more-10 Jaywan Card benefits that can save UAE residents money on flights, hotels and movies

The scheme’s first month has seen its acceptance footprint widen quickly.

The latest major development came on August 19, when Etihad Airways became the first airline to accept Jaywan for flight bookings. Majid Al Futtaim has enabled the card across more than 200 destinations in the UAE, while payment infrastructure providers including Network International, Magnati, noon payments and Telr have extended acceptance across their merchant networks.

The Ministry of Finance has also brought Jaywan into government transactions by adopting it for federal service fees and fines.

So, where can UAE consumers actually use Jaywan today?

Etihad brings Jaywan to flight bookings

Etihad Airways delivered one of the biggest acceptance milestones for Jaywan on August 19, when it enabled the national card as a payment option on its website.

UAE-based customers can now select Jaywan at checkout and use the card to book Etihad flights directly through etihad.com. The option is available across the airline’s full route network, making the carrier the first airline to accept Jaywan for flight bookings.

The development gives Jaywan a significant consumer use case barely a month after its official launch. Rather than being confined to everyday, lower-value purchases, the card can now be used to complete a major travel transaction, including international flights.

Mark Potter, MD of Etihad Guest at Etihad Airways, described the move as a significant moment for the airline and its partnership with Al Etihad Payments.

“Being the first airline to accept Jaywan payments is a proud moment,” Potter said, adding that the move was intended to provide UAE customers with greater choice and convenience.

The partnership is also expected to offer additional benefits to Jaywan Royal cardholders. Etihad said eligible Etihad Guest members using Jaywan Royal cards will receive exclusive discounts on Comfort and Deluxe fares, as well as priority-related benefits, with those features to be introduced soon.

Andrea Cianchetti, chief products officer at Al Etihad Payments, said the Etihad partnership adds direct value to Jaywan cardholders by combining everyday payment utility with benefits for customers in the UAE.

The development builds on an agreement between Etihad and Al Etihad Payments signed in October 2025.

More than 200 Majid Al Futtaim destinations now accept Jaywan

While Etihad gives Jaywan a high-profile presence in aviation, Majid Al Futtaim provides one of the scheme’s biggest physical acceptance footprints.

The company confirmed in July that Jaywan had been enabled across more than 200 destinations in the UAE, covering its retail, leisure, hotel and entertainment businesses.

The rollout was enabled through Majid Al Futtaim’s acquiring partnership with Network International, allowing customers to use Jaywan at its physical locations.

The significance of the rollout is its breadth. Jaywan is not being introduced into just one retail chain or one category of spending. The card is being made available across a portfolio covering shopping, entertainment, leisure and hospitality.

Majid Al Futtaim has also indicated that online acceptance across its digital platforms would follow the physical rollout.

Darren Taylor, SVP, SHARE Rewards & Customer Solutions at Majid Al Futtaim, said the move gives customers greater payment choice while maintaining a seamless payment experience across the group’s destinations.

For Jaywan cardholders, the group’s more than 200 locations represent one of the clearest examples of the national card moving into everyday spending.

flydubai adds Jaywan at Dubai International Airport

Jaywan has also entered the aviation sector through flydubai, although the airline’s acceptance model differs from Etihad’s.

Network International and flydubai announced a collaboration to enhance passenger payments at Dubai International Airport (DXB), with Network integrating its Push to Pay solution into POS terminals used at flydubai’s airport service touchpoints.

The announcement specifically included expanded acceptance for Jaywan.

The distinction matters.

Etihad now accepts Jaywan directly for flight bookings on its website across its route network. flydubai’s confirmed acceptance, meanwhile, applies to supported transactions at its airport service payment touchpoints at DXB.

Taken together, the two developments show Jaywan appearing at different stages of the air-travel journey — from airport services to the purchase of flights.

Network International is opening the door to tens of thousands of merchants

Perhaps the most important answer to the question of where Jaywan is accepted is not a single retailer or airline.

It is Network International.

The payment company was among the first acquirers in the UAE to enable Jaywan acceptance across its merchant network.

The company said its UAE network included more than 60,000 merchants, spanning sectors such as retail, hospitality, electronics, jewellery and hypermarkets.

Network later confirmed that Jaywan cards issued through Emirates NBD would be accepted at its merchant terminals and e-payment gateways, providing access to more than 60,000 merchant partners in the UAE.

This infrastructure is crucial to understanding Jaywan’s actual reach.

A consumer may walk into a shop that has never publicly announced that it accepts Jaywan and still be able to use the card because the retailer’s payment terminal has been enabled by its acquiring provider.

In other words, the number of businesses that publicly mention Jaywan is not necessarily the same as the number of businesses capable of processing it.

Thousands of online merchants are now part of the network

Network International has also taken Jaywan into e-commerce.

On July 20, the company announced that it had integrated Jaywan into its e-commerce payment gateway, allowing customers to use their cards across thousands of Network’s online merchants in the UAE.

The company said the integration enables secure and seamless online transactions and that merchants would not face additional fees for Jaywan transactions processed through the gateway.

The online expansion is particularly important because it means Jaywan’s acceptance is not dependent on physical retail terminals.

For consumers, the practical result is a much larger potential digital footprint: an online merchant using Network’s enabled gateway can offer Jaywan without having to build a separate direct connection to the domestic card scheme.

That also makes it harder to produce a definitive list of every business accepting Jaywan. The payment infrastructure may be operating behind the scenes.

Magnati adds another major physical merchant network

Magnati is another important part of the acceptance infrastructure.

The payment solutions provider announced that it had partnered with Al Etihad Payments to enable Jaywan across payment terminals supplied to its merchants.

The company confirmed that Jaywan cards could be used for transactions through Magnati payment terminals.

That means merchants using compatible Magnati infrastructure can form part of the Jaywan acceptance network without necessarily issuing individual public announcements.

Al Etihad Payments has also highlighted Network International and Magnati as leading regional acquirers that have enabled Jaywan across their merchant networks.

For consumers, the message is straightforward: Jaywan’s physical footprint extends beyond the large companies that have publicly promoted the card.

ADIB merchants can process Jaywan on POS terminals

Abu Dhabi Islamic Bank provides another confirmed route for Jaywan transactions.

ADIB’s Merchant Services information explicitly states that the bank accepts Jaywan cards on its POS terminals.

The development again highlights the role of acquiring infrastructure in the scheme’s expansion.

Businesses using compatible ADIB merchant POS infrastructure can process Jaywan payments, meaning acceptance can be present at the point of sale even when the individual merchant has not separately publicised its participation.

This bank-led approach could become increasingly important as Jaywan expands, because consumers are likely to encounter the national card across a growing number of terminals operated by different acquiring institutions.

noon payments brings Jaywan to online businesses

Jaywan’s digital reach is also being expanded through noon payments.

The company announced in May that it had enabled Jaywan across its merchant network in the UAE.

Merchants using noon payments can accept Jaywan cards through the platform, creating another route into the country’s e-commerce economy.

noon payments provides services including online checkout, payment links, marketplace payments and in-store payment solutions.

For merchants, gateway-level integration can make the adoption of a new payment scheme significantly easier. Rather than establishing a separate integration themselves, businesses can access Jaywan through their existing payment provider.

For consumers, that means an online business using enabled noon payments infrastructure may offer Jaywan as one of its available payment options.

Telr expands online acceptance

Another UAE payment gateway, Telr, has also enabled Jaywan across its merchant network.

The company said merchants using its platform could accept Jaywan cards through supported online checkout environments.

That adds another layer to the growing digital acceptance ecosystem and is particularly relevant to online businesses that rely on third-party payment gateways.

The significance is the same as with Network International and noon payments: a merchant does not necessarily need to establish a direct relationship with Jaywan to begin accepting the card.

Gateway-level integration can effectively distribute the payment method across a much wider merchant base.

The Ministry of Finance takes Jaywan into government payments

Jaywan’s acceptance is also moving beyond commercial transactions.

On August 3, the UAE Ministry of Finance announced that it had adopted Jaywan as a new payment channel for federal service fees and fines, alongside Aani.

The ministry became the first federal government entity to implement the initiative.

According to the ministry, the decision followed Cabinet Resolution No. 176M/4M of 2026 concerning adoption of the payment systems and applicable fees.

The move gives Jaywan another important use case: government payments.

The Ministry said the implementation would pave the way for the subsequent adoption and rollout of Jaywan and Aani by other federal entities and collection banks, in accordance with their approved procedures.

That suggests the government acceptance footprint could grow beyond the Ministry of Finance as more entities adopt the systems.

The Ministry has described the initiative as part of efforts to develop the government payments ecosystem and provide more flexible, convenient and faster payment options.

Where can you use Jaywan today?

One month after its official launch, the confirmed Jaywan acceptance map is already broad.

UAE customers can use the card to book Etihad Airways flights directly on etihad.com, make supported payments at flydubai airport service touchpoints at DXB, and transact across more than 200 Majid Al Futtaim destinations.

The card can also be used through enabled merchant infrastructure operated by Network International, Magnati and ADIB, while digital acceptance has expanded through Network International, noon payments and Telr.

The Ministry of Finance has added federal service fees and fines to the list of transactions that can be paid using Jaywan.

But the most important figure may be the one that is hardest for consumers to see.

Network International has described its acceptance network as covering more than 60,000 UAE merchant partners, while its e-commerce integration extends to thousands of online merchants.

That means Jaywan’s actual footprint is likely to be considerably larger than a simple list of major companies would suggest.

Jaywan’s first month shows how payment schemes really scale

The first month of Jaywan has demonstrated that the success of a national card scheme will depend less on how many brands put out individual announcements and more on how deeply the card becomes embedded in the country’s payment infrastructure.

Etihad has given Jaywan a high-profile role in aviation. Majid Al Futtaim has established a major physical retail and leisure footprint. Network International and Magnati provide acquiring scale, while noon payments and Telr expand the card’s online reach.

ADIB adds another merchant-acquiring channel, and the Ministry of Finance has taken Jaywan into government payments.

The result is a payment network that is beginning to cover the places where consumers actually spend money: travel, shopping, entertainment, hospitality, e-commerce and government services.

That matters because acceptance is ultimately what determines whether a payment card becomes part of everyday life.

A card can be issued to millions of customers, but if consumers repeatedly encounter merchants that do not accept it, adoption can remain limited. Conversely, when acceptance becomes widespread through payment terminals and gateways, the card can become a routine choice without every merchant having to market it separately.

That appears to be the direction Jaywan is now taking.

One month after its launch, the UAE’s national card is no longer simply a newly introduced payment scheme. It is becoming a payment option that consumers can encounter across airlines, major retail and leisure destinations, government services, physical merchant terminals and thousands of online businesses.

And the next phase could be less visible but potentially even more significant.

As acquiring banks and payment gateways continue to enable Jaywan across their networks, more businesses may begin accepting the card without making separate public announcements.

For consumers, that means the answer to “Where can I pay with Jaywan?” is already considerably broader than it was on launch day, and the acceptance map is still expanding.

More news in aviation