Lanka and Indonesia to provide FLASHremit to Indonesia, Pakistan, Nepal, Philippines and . are examples of how customers’ money transfers customers. Very soon more customers will be able Money2anywhere.com, UAE Exchange’s online and other financial needs have been addressed, to enjoy the convenience by using this revolutionary money transfer portal is available in 17 new states giving them an opportunity to experience another real time bank account credit service. in the USA thus expanding its reach to 33 states in level of customer service altogether. In many ways, the country. In 2013, UAE Exchange launched an UAE Exchange is a reflection of the communities XPay online portal for Smart Pay, which not only enables it serves, maintaining its reputation as the financial XPay is sure to change the way payment and clients to upload funds and salary information files, brand with its strongest market relations with the settlements work in . India has the second but also track the salary disbursal status. community and the media fraternity. Its team of largest mobile phone user base in the world. over 9,000 professionals, from over 40 nationalities, XPay is a novel payment service system, exclusively PROMOTIONS caters to customers across the globe. The brand available in India that enables users to make Promotions are a way of life at UAE Exchange, has always striven to give back to the community which help to create deeper, stronger and by being a responsible corporate citizen through transactions effortlessly. It allows you to shop, meaningful bonds with customers and the regular Corporate Social Responsibility initiatives. pay utility bills, restaurants bills and more through communities that it serves. Among the popular your mobile. Service Excellence Some of its popular services include: promotions, are www.uaeexchange.com Scheme Award in the Money Majlis, ’Brand’category, Xpress Money Hum Mein Hai Industry leader and Xpress Money, launched in 1999, has now become Dum, Eid Mubarak, Most Promising the most sought after money transfer service across Fortune Fiesta and Brand Award in , the globe, with a presence in 150 countries and a Xtravaganza 2013, Service Olympian strong network of 170,000 agents. Xpress Money which involves People’s Choice has tied up with prestigious banks and non-banking customers of UAE Award, CSR Label, institutions in order to ensure safe transfer of Exchange from PayExpo 2013 hard earned money to loved ones back home. various communities; Award for gocash Customers, who insist on speed and reliability of Onasowbhagyam card, Standard money transfers along with convenience of easy promotion, which Chartered Bank STP collection, insist on Xpress Money. Many value helps chart strong Excellence Award, laden features have taken Xpress Money ahead of relationship with the Banker its competitors. The strategic positioning of pay-in Keralite community Product Award, and pay-out locations and agent-centric payouts, from India; Jashan-e- Dubai Quality restricting the payouts to within the network of a Bahara promotion Award, Sheikh Khalifa particular beneficiary agent, ensures revenue for the for the Pakistani Excellence Award, agent. For more details, log on to community, which MARKET Sheikh Mohammed www.xpressmoney.com. coincides with the UAE Exchange is synonymous with money transfer bin Rashid Al Maktoum Business Award, Dubai festive season of Pakistan; Shopno Choa and Sukher Human Development Appreciation Programme, Money2anywhere.com Purush promotions for the Bangladeshi community; Things you didn’t know about and has earned the privilege of being the first gocash name to be recalled, when anyone thinks of money Best Partner by Emirates National Development Money2anywhere.com offers a combination of Ahlan Saif for the Arab community and Bak Maha gocash travel card is a smart multicurrency prepaid transfers. This leading global remittance and foreign Programme, UAE Emiratisation Award, Deutsche competitive exchange rates, quick processing of Wasana promotion for the Sri Lankan community, UAE Exchange travel card launched by UAE Exchange. The card exchange brand has a rich history of over three Bank STP Excellence Award, Customer Service the remittance request and a friendly customer which commemorates the Sinhalese New Year. can be loaded with up to six currencies. This was l decades. Week Star Award for 2010, 2011 and 2012, voted service. UAE Exchange has always had a deep All of these promotions involve fabulous prizes Largest retail remittance network in the world. designed for the new age traveller, who doesn’t Established in 1980 with a single branch in Abu Superbrand from 2009 to 2013 consecutively understanding of the market dynamics. This web- and rewards including cash prizes, gold vouchers, Handles 6% of the total volume of global want to go through the hassles of carrying hard Dhabi, UAE Exchange now has presence in over and Bizz Award for being the most inspirational based money transfer service, which helps its cars, villas, apartments and more. Alongside these remittances. cash and expose to currency exchange fluctuations l 31 countries across five continents with over 700 organisation. UAE Exchange is also ISO 9001, customers to send money to any corner of the major promotions, UAE Exchange conducts many Over 700 branches in 31 countries. 14001 and 27001 certified and is accredited with world from their computers or mobile phones, while travelling. UAE Exchange has associated with l direct offices. UAE Exchange offers a wide range of interesting online promotions and contests through UAE Exchange mobile app enables customers to TISSE2012 (The International Standard for Service is currently available in ten countries. Customers services, which makes life easy for customers. Every MasterCard as a principal member, which means its strong online social network. Every promotion is retrieve information on latest exchange rates, offers Excellence) certification. can send their money anywhere using their bank and updates in their respective region. day, more than 9,000 employees representing over that the card can be used across the globe. This is well-thought-out to bring maximum value to each accounts, credit/debit cards through this fast and l Xpress Money, the instant money transfer service 40 nationalities, across the globe, strive towards one currently available for residents in the UAE and can target group. HISTORY secure online remittance portal. For more details, of UAE Exchange, has over 170,000 agent locations single aim – customer service and delight for the be used by customers travelling abroad for work, UAE Exchange came into existence in a period log on to www.money2anywhere.com. BRAND VALUES across 150 countries. 400,000+ customers walking in daily! holiday or further education. when people were not acquainted with the term The UAE Exchange work philosophy is strongly l UAE Exchange is the first remittance brand in the UAE Exchange serves a wide range of Money Transfer. From a single branch in 1980 to Smart Pay bound by its core values and principles, which is UAE to have the prestigious SWIFT membership – communities, worldwide. The incessant efforts RECENT DEVELOPMENTS over 700 branches today, the brand had to work Smart Pay is a leading payroll solution, complying manifested in every initiative undertaken. the international banking standard. to deliver the best to customers, have earned UAE Exchange strives to deliver more value and hard to earn the trust of customers, with their with the Wages Protection System, an initiative by l UAE Exchange is the first remittance brand in the UAE Exchange the acclaim of being the World’s be a neighbourhood brand. In 2013, UAE Exchange hard-earned money to be sent to their families the UAE Ministry of Labour and the UAE Central Vision UAE to have a MasterCard Principal Membership. Trusted Money Transferrer. The remittance major launched its exclusive mobile application that in homeland. Today, UAE Exchange has evolved Bank to streamline salary disbursals, across the To be the most admired global brand in money l UAE Exchange is the first remittance brand in offers a wide range of services, which include enables customers to retrieve information on the into a complete solutions provider of the entire UAE. Smart Pay allows salary earners to get their transfer, foreign exchange and payment solutions. the UAE to tie up with Visa for Visa Money Transfer latest exchange rates, offers and updates from their Remittances, Foreign Exchange, Travel card, remittance and foreign exchange services, globally. salaries on time from any of the widely-networked initiative. region, right on their phones. 2013 saw FLASHremit Prepaid Card, Payroll Management, Bill Payments, A combination of diversified portfolio of branches of UAE Exchange. Through organised Core Values l Mybranch is a self-operated kiosk that enables a entering new markets and also partnering more Wealth Management, Travel and Tours and more. products and services along with innovative salary payments, it empowers the average salary Integrity, Commitment, Empowerment and Care. user to be in control of his/her transactions allowing banks from its network of 150 correspondent Various pro-active processes like text alerts (SMS marketing initiatives, stronger partner alliances, and earner, who benefits from consistent, timely, secure customers to send money, pay credit card bills and intimation), dynamic customer inquiry system, touch rapid expansion, are the factors attributing to the and convenient salary pick-up. The launch of banks. UAE Exchange emphasises ingraining integrity into loan instalments independently. points, self operated kiosks, customer suggestions success of UAE Exchange. While leading the global MasterCard-enabled payroll card takes convenience UAE Exchange has expanded this technologically the work culture thereby building lasting trust in l First remittance brand in the UAE to have programme, in-house reliable technological market, UAE Exchange covers the UAE with a wide to the next level. Employees can now draw their superior real time account credit service, which customers’ minds. It works closely with industry branches in all the seven emirates. initiatives and the trained multi-cultural service staff network of over 132 branches. salaries from any MasterCard-enabled ATM, across is currently available for expatriate customers regulators to achieve the increasingly stringent l First remittance brand to establish presence in members, make customers’ every visit, to any of the the world, or from any UAE Exchange Cash from seven countries including , India, compliance standards required in the current the Dubai Metro network. widely-networked branches of UAE Exchange, a PRODUCTS Dispensing Machines (CDM) installed across its regulatory environment. l 24*7 service available year-round at selected memorable experience. Strategic measures, assuring efficient and quality branches in the UAE. The payroll solution is also international airport terminals in the UAE. services to demanding customers, at all times, have available in Qatar and Bahrain.. For more details, UAE Exchange has instilled a profound sense of l First remittance brand in the Middle East to have ACHIEVEMENTS built UAE Exchange into a strong people’s brand. log on to www.smartpaysolutions.com. passion to serve customers with warmth, undertake been TISSE2012 (The International Standard for UAE Exchange is seen not just as a money transfer The vision set by its founders, H E Abdulla Humaid activities, which are committed to the welfare of Service Excellence) certified. outlet but also as a holistic financial supermarket Ali Al Mazroei and Dr B R Shetty, continues to FLASHremit the society and foster business relations, which l Strong correspondent banking relationship with catering to customers’ varied needs. Customer guide UAE Exchange in its pursuit for excellence in FLASHremit is a service that enables real-time are committed to the benefit of partners and over 150 leading global banks. has always been the nucleus of every activity all areas of operation. Service delivery is ensured remittance to bank accounts. Users can now associates. l Over 9000 personnel, representing more than 40 that UAE Exchange has indulged in and it is this through stringent quality control and improvement transfer money instantly and get the confirmation nationalities, employed worldwide. fervour, which has brought the organisation many measures. UAE Exchange addresses most of the through SMS within seconds of account credit. UAE Exchange has always aimed at empowering l One of the widest branch networks in the UAE awards and accolades, including the Global HR financial requirements of its customers under one UAE Exchange has joined hands with some banks its customers. Technological advancements like with over 132 branches, with seven days a week, Excellence Award, Best Employer Award, Dubai roof. in India, Nepal, Pakistan, Philippines, Bangladesh, Sri MyBranch or products like Smart Pay and gocash round-the-year operations.

94 Lanka and Indonesia to provide FLASHremit to Indonesia, Pakistan, Nepal, Philippines and Sri Lanka. are examples of how customers’ money transfers customers. Very soon more customers will be able Money2anywhere.com, UAE Exchange’s online and other financial needs have been addressed, to enjoy the convenience by using this revolutionary money transfer portal is available in 17 new states giving them an opportunity to experience another real time bank account credit service. in the USA thus expanding its reach to 33 states in level of customer service altogether. In many ways, the country. In 2013, UAE Exchange launched an UAE Exchange is a reflection of the communities XPay online portal for Smart Pay, which not only enables it serves, maintaining its reputation as the financial XPay is sure to change the way payment and clients to upload funds and salary information files, brand with its strongest market relations with the settlements work in India. India has the second but also track the salary disbursal status. community and the media fraternity. Its team of largest mobile phone user base in the world. over 9,000 professionals, from over 40 nationalities, XPay is a novel payment service system, exclusively PROMOTIONS caters to customers across the globe. The brand available in India that enables users to make Promotions are a way of life at UAE Exchange, has always striven to give back to the community which help to create deeper, stronger and by being a responsible corporate citizen through transactions effortlessly. It allows you to shop, meaningful bonds with customers and the regular Corporate Social Responsibility initiatives. pay utility bills, restaurants bills and more through communities that it serves. Among the popular your mobile. Service Excellence Some of its popular services include: promotions, are www.uaeexchange.com Scheme Award in the Money Majlis, ’Brand’category, Xpress Money Hum Mein Hai Industry leader and Xpress Money, launched in 1999, has now become Dum, Eid Mubarak, Most Promising the most sought after money transfer service across Fortune Fiesta and Brand Award in Asia, the globe, with a presence in 150 countries and a Xtravaganza 2013, Service Olympian strong network of 170,000 agents. Xpress Money which involves People’s Choice has tied up with prestigious banks and non-banking customers of UAE Award, CSR Label, institutions in order to ensure safe transfer of Exchange from PayExpo 2013 hard earned money to loved ones back home. various communities; Award for gocash Customers, who insist on speed and reliability of Onasowbhagyam card, Standard money transfers along with convenience of easy promotion, which Chartered Bank STP collection, insist on Xpress Money. Many value helps chart strong Excellence Award, laden features have taken Xpress Money ahead of relationship with the Banker Middle East its competitors. The strategic positioning of pay-in Keralite community Product Award, and pay-out locations and agent-centric payouts, from India; Jashan-e- Dubai Quality restricting the payouts to within the network of a Bahara promotion Award, Sheikh Khalifa particular beneficiary agent, ensures revenue for the for the Pakistani Excellence Award, agent. For more details, log on to community, which MARKET Sheikh Mohammed www.xpressmoney.com. coincides with the UAE Exchange is synonymous with money transfer bin Rashid Al Maktoum Business Award, Dubai festive season of Pakistan; Shopno Choa and Sukher Human Development Appreciation Programme, Money2anywhere.com Purush promotions for the Bangladeshi community; Things you didn’t know about and has earned the privilege of being the first gocash name to be recalled, when anyone thinks of money Best Partner by Emirates National Development Money2anywhere.com offers a combination of Ahlan Saif for the Arab community and Bak Maha gocash travel card is a smart multicurrency prepaid transfers. This leading global remittance and foreign Programme, UAE Emiratisation Award, Deutsche competitive exchange rates, quick processing of Wasana promotion for the Sri Lankan community, UAE Exchange travel card launched by UAE Exchange. The card exchange brand has a rich history of over three Bank STP Excellence Award, Customer Service the remittance request and a friendly customer which commemorates the Sinhalese New Year. can be loaded with up to six currencies. This was l decades. Week Star Award for 2010, 2011 and 2012, voted service. UAE Exchange has always had a deep All of these promotions involve fabulous prizes Largest retail remittance network in the world. designed for the new age traveller, who doesn’t Established in 1980 with a single branch in Abu Superbrand from 2009 to 2013 consecutively understanding of the market dynamics. This web- and rewards including cash prizes, gold vouchers, Handles 6% of the total volume of global want to go through the hassles of carrying hard Dhabi, UAE Exchange now has presence in over and Bizz Award for being the most inspirational based money transfer service, which helps its cars, villas, apartments and more. Alongside these remittances. cash and expose to currency exchange fluctuations l 31 countries across five continents with over 700 organisation. UAE Exchange is also ISO 9001, customers to send money to any corner of the major promotions, UAE Exchange conducts many Over 700 branches in 31 countries. 14001 and 27001 certified and is accredited with world from their computers or mobile phones, while travelling. UAE Exchange has associated with l direct offices. UAE Exchange offers a wide range of interesting online promotions and contests through UAE Exchange mobile app enables customers to TISSE2012 (The International Standard for Service is currently available in ten countries. Customers services, which makes life easy for customers. Every MasterCard as a principal member, which means its strong online social network. Every promotion is retrieve information on latest exchange rates, offers Excellence) certification. can send their money anywhere using their bank and updates in their respective region. day, more than 9,000 employees representing over that the card can be used across the globe. This is well-thought-out to bring maximum value to each accounts, credit/debit cards through this fast and l Xpress Money, the instant money transfer service 40 nationalities, across the globe, strive towards one currently available for residents in the UAE and can target group. HISTORY secure online remittance portal. For more details, of UAE Exchange, has over 170,000 agent locations single aim – customer service and delight for the be used by customers travelling abroad for work, UAE Exchange came into existence in a period log on to www.money2anywhere.com. BRAND VALUES across 150 countries. 400,000+ customers walking in daily! holiday or further education. when people were not acquainted with the term The UAE Exchange work philosophy is strongly l UAE Exchange is the first remittance brand in the UAE Exchange serves a wide range of Money Transfer. From a single branch in 1980 to Smart Pay bound by its core values and principles, which is UAE to have the prestigious SWIFT membership – communities, worldwide. The incessant efforts RECENT DEVELOPMENTS over 700 branches today, the brand had to work Smart Pay is a leading payroll solution, complying manifested in every initiative undertaken. the international banking standard. to deliver the best to customers, have earned UAE Exchange strives to deliver more value and hard to earn the trust of customers, with their with the Wages Protection System, an initiative by l UAE Exchange is the first remittance brand in the UAE Exchange the acclaim of being the World’s be a neighbourhood brand. In 2013, UAE Exchange hard-earned money to be sent to their families the UAE Ministry of Labour and the UAE Central Vision UAE to have a MasterCard Principal Membership. Trusted Money Transferrer. The remittance major launched its exclusive mobile application that in homeland. Today, UAE Exchange has evolved Bank to streamline salary disbursals, across the To be the most admired global brand in money l UAE Exchange is the first remittance brand in offers a wide range of services, which include enables customers to retrieve information on the into a complete solutions provider of the entire UAE. Smart Pay allows salary earners to get their transfer, foreign exchange and payment solutions. the UAE to tie up with Visa for Visa Money Transfer latest exchange rates, offers and updates from their Remittances, Foreign Exchange, Travel card, remittance and foreign exchange services, globally. salaries on time from any of the widely-networked initiative. region, right on their phones. 2013 saw FLASHremit Prepaid Card, Payroll Management, Bill Payments, A combination of diversified portfolio of branches of UAE Exchange. Through organised Core Values l Mybranch is a self-operated kiosk that enables a entering new markets and also partnering more Wealth Management, Travel and Tours and more. products and services along with innovative salary payments, it empowers the average salary Integrity, Commitment, Empowerment and Care. user to be in control of his/her transactions allowing banks from its network of 150 correspondent Various pro-active processes like text alerts (SMS marketing initiatives, stronger partner alliances, and earner, who benefits from consistent, timely, secure customers to send money, pay credit card bills and intimation), dynamic customer inquiry system, touch rapid expansion, are the factors attributing to the and convenient salary pick-up. The launch of banks. UAE Exchange emphasises ingraining integrity into loan instalments independently. points, self operated kiosks, customer suggestions success of UAE Exchange. While leading the global MasterCard-enabled payroll card takes convenience UAE Exchange has expanded this technologically the work culture thereby building lasting trust in l First remittance brand in the UAE to have programme, in-house reliable technological market, UAE Exchange covers the UAE with a wide to the next level. Employees can now draw their superior real time account credit service, which customers’ minds. It works closely with industry branches in all the seven emirates. initiatives and the trained multi-cultural service staff network of over 132 branches. salaries from any MasterCard-enabled ATM, across is currently available for expatriate customers regulators to achieve the increasingly stringent l First remittance brand to establish presence in members, make customers’ every visit, to any of the the world, or from any UAE Exchange Cash from seven countries including Bangladesh, India, compliance standards required in the current the Dubai Metro network. widely-networked branches of UAE Exchange, a PRODUCTS Dispensing Machines (CDM) installed across its regulatory environment. l 24*7 service available year-round at selected memorable experience. Strategic measures, assuring efficient and quality branches in the UAE. The payroll solution is also international airport terminals in the UAE. services to demanding customers, at all times, have available in Qatar and Bahrain.. For more details, UAE Exchange has instilled a profound sense of l First remittance brand in the Middle East to have ACHIEVEMENTS built UAE Exchange into a strong people’s brand. log on to www.smartpaysolutions.com. passion to serve customers with warmth, undertake been TISSE2012 (The International Standard for UAE Exchange is seen not just as a money transfer The vision set by its founders, H E Abdulla Humaid activities, which are committed to the welfare of Service Excellence) certified. outlet but also as a holistic financial supermarket Ali Al Mazroei and Dr B R Shetty, continues to FLASHremit the society and foster business relations, which l Strong correspondent banking relationship with catering to customers’ varied needs. Customer guide UAE Exchange in its pursuit for excellence in FLASHremit is a service that enables real-time are committed to the benefit of partners and over 150 leading global banks. has always been the nucleus of every activity all areas of operation. Service delivery is ensured remittance to bank accounts. Users can now associates. l Over 9000 personnel, representing more than 40 that UAE Exchange has indulged in and it is this through stringent quality control and improvement transfer money instantly and get the confirmation nationalities, employed worldwide. fervour, which has brought the organisation many measures. UAE Exchange addresses most of the through SMS within seconds of account credit. UAE Exchange has always aimed at empowering l One of the widest branch networks in the UAE awards and accolades, including the Global HR financial requirements of its customers under one UAE Exchange has joined hands with some banks its customers. Technological advancements like with over 132 branches, with seven days a week, Excellence Award, Best Employer Award, Dubai roof. in India, Nepal, Pakistan, Philippines, Bangladesh, Sri MyBranch or products like Smart Pay and gocash round-the-year operations.

94