residents of the United Arab Emirates can now access loans and credit products through the new e& money service with approval from the central bank. This innovative move allows over two million users of the e& money app to easily apply for loans. The new services include options for buy now, pay later, early access to salaries, and credit cards. Khalifa Al Shamsi, CEO of e& life and e& international, stated, "In an advanced digital economy like the UAE, access to credit is still not guaranteed." He added, "At e& money, we believe this is about facilitating access. By using data and technology, we are re-evaluating how credit is assessed and provided." This positive news has been well received by many residents, especially those with little credit history or who have recently arrived in the UAE, who are pleased with this new opportunity. These individuals can easily obtain small loans through the e& money app, which they previously used for daily payments and money transfers. These changes represent a larger trend in the UAE's financial sector, where digital payment platforms are moving towards credit services. The new services allow users to access short-term credit and manage their purchase costs easily. This initiative is an important step towards financial inclusion and facilitating access to financial services for all members of society.