ADCB unveils AI-powered mobile banking app with investment trading

Abu Dhabi Commercial Bank has launched its next-generation mobile banking app featuring an AI-powered conversational assistant and integrated investment trading capabilities. According to ADCB's announcement, the app allows customers to interact naturally using voice or text commands whilst trading US equities, ETFs, and cryptocurrencies in real-time. This marks a key milestone in the bank's digital transformation strategy to embed artificial intelligence across operations.

What makes the new ADCB app different from traditional banking?

The AI-powered conversational assistant fundamentally changes how customers interact with their bank. Instead of navigating menus and forms, customers can speak or type naturally to check balances, transfer money, manage cards, track goals, and explore ADCB's products. The underlying AI models learn from each interaction, delivering increasingly personalised experiences that adapt to individual customer behaviour over time.

This approach follows a broader industry trend where AI is transforming traditional services across sectors. Enhanced security features combine biometric authentication, AI-driven fraud detection, and real-time monitoring to protect every transaction.

Can you trade investments through the ADCB app?

The app delivers integrated investment capabilities providing customers with a unified view of their entire investment portfolio across local and international markets. Users can execute instant transactions for US-listed equities, exchange-traded funds (ETFs), and cryptocurrencies with real-time access to global markets.

This positions ADCB alongside other UAE financial institutions adapting to changing customer expectations, though the bank claims its offering is "unrivalled" in the market. The integration eliminates the need for separate investment platforms, streamlining the customer journey.

The strategic significance for UAE banking

Mohammed Al Jayyash, Group Chief Operating Officer at ADCB, emphasises that artificial intelligence is central to the bank's digital transformation. "By expanding AI across our platforms, we are delivering seamless, personalised and more secure banking journeys, while enhancing efficiency and supporting customer experience excellence," he said. "This launch reflects our commitment to innovation and setting new standards for digital banking in the UAE."

The launch represents a shift in how UAE banks compete. While competitors have focused on digital wallet solutions, ADCB is positioning AI as the primary differentiator. This mirrors broader changes in the UAE's financial sector, where banks are phasing out traditional security methods in favour of AI-powered alternatives.

What this means for ADCB customers

Pedro Cardoso, Chief Digital Officer at ADCB, explains that the app "unlocks a new era in ADCB's digital banking ecosystem." The AI enables personalised recommendations tailored to daily banking activities, continuously aligning with evolving customer needs whilst allowing seamless activation of products and services through digital channels.

The value proposition is clear: customers can manage their entire financial relationship with ADCB through natural conversation whilst maintaining security through advanced AI-driven protection systems. This addresses growing customer expectations for intuitive, conversational interfaces in financial services.

Looking forward: ADCB's transformation strategy

The app launch represents a key milestone in ADCB's broader transformation strategy announced in 2025, aimed at embedding artificial intelligence across the bank's operating model. This positions the bank to compete not just with traditional financial institutions but with emerging fintech players reshaping the UAE market.

By positioning AI at the core of customer experience, ADCB is betting on a future where banking becomes more conversational and intuitive. The question for competitors is whether they can match this level of integration or risk losing ground in an increasingly AI-driven market.

Availability and access

The ADCB mobile banking app is available to the bank's customers across the UAE. ADCB serves over 2 million customers through its retail banking, corporate and investment banking, private banking, and treasury and investments divisions. The bank operates major subsidiaries including Al Hilal Bank and maintains a significant presence across the Emirates.

Frequently Asked Questions

What are the new features of the ADCB mobile banking app?

The new ADCB app features an AI-powered conversational virtual assistant, integrated investment capabilities for US-listed equities, ETFs, and cryptocurrencies, and enhanced security with biometric authentication and AI-driven fraud detection.

How does the AI-powered conversational assistant work in the ADCB app?

Customers can interact naturally with the assistant using voice or text commands to perform banking tasks like checking balances, moving money, managing cards, tracking goals, and exploring products. The AI learns and personalises the experience over time.

Can I trade investments and cryptocurrencies through the new ADCB app?

Yes, the app delivers integrated investment capabilities allowing customers to view their entire investment portfolio and execute instant transactions across US-listed equities, exchange-traded funds (ETFs), and cryptocurrencies with real-time global market access.

Is the new ADCB app secure for banking transactions?

The app uses an advanced security architecture combining enhanced biometric authentication, AI-driven fraud detection, and real-time monitoring to safeguard every interaction and transaction.

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