| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | banking communication | UAE | Banks may use more personalized and relationship-oriented communication with customers | 1 |
| 2 | banking communication | United Arab Emirates | Regular use of SMS and app-based messaging for quick updates and customer communication is prevalent in banking. | 1 |
| 3 | banking industry | United Arab Emirates | Banks play a significant role in gold trading and offer specialized gold deposit schemes. | 1 |
| 4 | banking technology | United Arab Emirates | Islamic banking technology adheres to Shariah law, offering services such as Murabaha financing and Sukuk investments. | 1 |