Dubai: Liv., the lifestyle digital bank by Emirates NBD, is working with Al Etihad Credit Bureau (AECB) to provide customers easy access to their AECB Credit Scores. The digital-only bank’s customers will be able to access their AECB Credit Score in an instant by simply clicking on the Credit Score option on the Liv. app.

The AECB Credit Score is the first credit scoring system for the UAE and it is exclusively developed to predict the likelihood of individuals and companies to make their loan and credit card payments on time, based on previous credit and payment behavior. The Credit Score is a three-digit number, ranging from 300 to 900 with a lower score indicating a higher risk and likelihood of missing debt payments, and is available to all UAE banking customers via the AECB app.

 “We are pleased to renew our collaboration with AECB enabling Liv. customers to instantly check their Credit Score on the app, which will help our millennial and Gen-Z customers to maintain a healthy credit status,” said Suvo Sarkar, Senior Executive Vice President & Group Head – Retail Banking and Wealth Management, Emirates NBD. “With 350,000 customers and counting, Liv. is fast establishing itself as the bank of choice among the new generation, and we are committed to exploring new ways to help them achieve more of their goals while continuing to manage their finances well.” 

 “In order to make it easier to access credit scores through individuals’ preferred online channels, we are delighted to have Emirates NBD become the first UAE bank to use our newly-developed API channels to allow their customers to obtain their AECB Credit Score through their Liv mobile banking application,” said Marwan Lutfi, CEO of Al Etihad Credit Bureau.  “Now individuals will be able to obtain their credit scores from their favorite banking and payment apps thereby making the process of monitoring one’s credit worthiness one step simpler,” he added.

“Ever since its inception, Liv. has been dedicated to increasing financial literacy and encourage a savings culture among UAE youth, particularly through innovative features such as the Goal Account,” said Jayash Patel, Head of Liv. “Enabling instant access to credit scores on the Liv. app is part of our commitment with AECB to educate, guide and help our customers in managing their finances for a healthier financial future.” In addition to viewing their credit score, Liv. customers can also access tips on how to maintain a healthy credit score by ensuring regular repayments, borrowing wisely and following other healthy financial practices.


About Liv.:

Liv. is the UAE’s first digital-only bank with a special focus on millennial customers, operated and managed by Emirates NBD Group. Established in line with UAE Vision 2021’s strategic objectives of creating a smart innovation-driven economy, Liv. offers a first-of-its-kind banking-meets-lifestyle experience, on a smartphone. Its unique features include instant account opening with #nopaperwork and real time access to insightful financial data and transaction history to empower customers to better manage their finances. Liv.’s proposition is supported by a group of partner brands, enabling it to offer customers a range of personalised lifestyle promotions and offers.

Liv. has consistently received local and international awards, in recognition of its strong record of performance and innovation in digital banking, including:

  • ‘Best Digital Bank in the Middle East 2019’ at the Asian Banker Excellence in Retail Financial Services Awards
  • ‘Digital Banking Experience of the Year’ at Seamless Awards 2019
  • ‘Best Digital Initiative 2019’ Award in the Finance Category at GITEX Technology Week 2019
  • ‘Best Merchant Acquisition Initiative, Application or Programme’ at the Asian Banker Transaction Awards 2019, Middle East and Africa
  • One Silver and one Bronze Award at the MENA Effie 2019
  • ‘Best Digital Bank – UAE 2019’ at the Global Business Outlook Awards
  • ‘Best Brand Positioning’ at the Banker Middle East’s Industry Awards 2019              

About Emirates NBD

Emirates NBD (DFM: Emirates NBD) is a leading Bank in the MENAT region. As at 31st December 2019, total assets were AED 683.3 Billion, (equivalent to approx. USD 186 Billion). The acquisition of DenizBank represents a significant milestone for Emirates NBD with the Bank expanding its presence to 13 countries, servicing over 14 million customers. The Bank is ranked among the top 20 in the Forbes’ list of the World’s Best Regarded Companies, securing a leading spot among global brands.

The Bank has a significant retail banking franchise in the UAE and is a key participant in the global digital banking industry with 94% of all financial transactions and requests conducted outside of its branches. The Bank announced the creation of E20., a digital business bank for entrepreneurs and SMEs while Liv., the lifestyle digital bank for millennials continued to be the fastest growing retail proposition in the UAE. Emirates NBD was named ‘Best Digital Bank in the Middle East’ at the Euromoney Awards for Excellence in 2019, affirming the Bank’s status as a digital banking leader among its regional peers. 

The Bank has operations in the UAE, Egypt, India, Turkey, the Kingdom of Saudi Arabia, Singapore, the United Kingdom, Austria, Germany, Russia and Bahrain and representative offices in China and Indonesia with a total of 979 branches and 4,150 ATMs / SDMs. The Bank has a large social media following, being the only bank in the Middle East ranked among the top 20 in the ‘Power 100 Social Media Rankings’, compiled by The Financial Brand for 2019. Emirates NBD is a major player in the UAE corporate segment and has strong Islamic banking, investment banking, private banking, asset management, global markets & treasury and brokerage operations.

Emirates NBD is an active participant and supporter of the UAE’s main development and community initiatives, in close alignment with the UAE government’s strategies, including financial literacy and advocacy for inclusion of People with Disabilities under its #TogetherLimitless platform. The Bank is recognised for the pioneering efforts in employee volunteering and corporate social responsibility by IMPACT2030, the corporate volunteering arm of the United Nations. Emirates NBD Group is a Premier Partner and the Official Banking Partner for Expo 2020 Dubai. For more information, please visit: 

About Al Etihad Credit Bureau:

Al Etihad Credit Bureau is a Public Joint Stock Company wholly owned by the UAE Federal Government. As per UAE Federal Law No. (6) of 2010 concerning Credit Information, the company is mandated to collect information on individuals and companies from financial and non-financial institutions in the UAE. The information is aggregated, stored, analysed and then produced and distributed through a variety of credit-related products. For more information visit  

For further information on Emirates NBD, please contact:
Ibrahim Sowaidan
Senior Vice President
Head - Group Corporate Affairs
Emirates NBD
Telephone: +971 4 609 4113 / +971 50 6538937

Tricia Kaul
asda’a bcw; Dubai, UAE
Tel: 971-4-4507600; Fax: 971-4-4358040

© Press Release 2020

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