Dr. Mohamed Amgad Mousa is currently the Deputy CEO at AI Dar Exchange, located in Qatar, a position he has been occupying since December 2022. Having almost 15 years of service at the organization, he was in charge of the FinTech & operations division for a total of 12 years. Dr. Mousa has made invaluable contributions to the company by constantly coming up with new ideas; he has been responsible for the release of the nation's first FinTech app, which not only granted the company a good reputation in the financial sector but also acted as a significant “protection shield” during the pandemic. He is advising the Board about financial strategy, thus overseeing the day-to-day activities of the firm and carrying out market studies to identify the future areas of business growth. Dr. Mousa has a Ph.D. in Business Administration and a Master's degree in Finance.Sbisiali interviews Dr. Amgad Mousa on Aldar Exchange's Finnovex 2025 Win Congratulations on winning "Excellence in Foreign Exchange Services" at Finnovex 2025. What does this award mean to Aldar? Thank you. It's validation that we're moving in the right direction. But more than that, it's recognition of a solution we're genuinely proud of—our self-service kiosks. Tell us about these kiosks. What makes them different? They're the first and only of their kind in Qatar. We identified a gap: people needed currency exchange and money transfer services outside traditional banking hours, without waiting in queues, and with complete control over their transactions. So we built a solution that gives them exactly that—24/7 access to both currency exchange and instant remittances, intuitive interface, secure transactions, all in under three minutes. Whether you're exchanging currency for travel or sending money to family abroad, the kiosk handles it seamlessly. What was the inspiration behind developing self-service kiosks for foreign exchange? Observing customer behavior. We noticed patterns—people rushing during lunch breaks, families needing exchange services on weekends, travelers arriving at odd hours. Traditional branch hours couldn't serve everyone. The question became: how do we extend our service without compromising quality or security? The kiosk was the answer.Being the first to launch this in Qatar—what challenges did you face? Everything from regulatory frameworks to customer education. There was no precedent, so we had to work closely with the Central Bank to establish compliance standards for unmanned exchange services. Then came the technology—building a system robust enough to handle live currency rates, secure transactions, and counterfeit detection without human oversight. And finally, convincing customers this was safe and reliable. How did customers respond initially? Cautiously. Which was smart. You can't expect people to immediately trus a machine with their money. We started with strategic placements in high-traffic areas, invested heavily in user experience design, and made sure our support team was always available. Once the first wave of users had positive experiences, adoption accelerated. Word-of-mouth did the rest. The judges at Finnovex highlighted your blend of innovation and service excellence. How do the kiosks fit into your broader strategy? They're part of a larger ecosystem. We have our branches for customers who prefer face-to-face service, our mobile app for digital-first users, and now kiosks for convenience-focused transactions. It's about meeting customers wherever they are, however they want to interact with us. What's the technology behind these kiosks? Without getting too technical—real-time currency rate integration, multicurrency support, biometric security, compliance automation, and counterfeit detection systems. But the real innovation isn't just the technology. It's making all of that invisible to the user. They walk up, complete their transaction, and walk away. That simplicity took enormous complexity to achieve. Are there plans to expand the kiosk network? Absolutely. We're looking at high-demand locations across Qatar—airports, malls, business districts. The goal is accessibility. If someone needs currency exchange, they shouldn't have to plan their day around our branch hours. What does this award mean for the future of Aldar? It's momentum. We've proven we can innovate at the highest level. Now it's about scaling intelligently, maintaining quality, and continuing to anticipate customer needs before they have to ask. Any final thoughts? Just gratitude. To our team for executing this vision, to the Central Bank for working with us on the regulatory framework, and to our customers for trusting us with something completely new. This award belongs to all of them.