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The Financial Services industry today is characterized by increased risk, regulatory pressures and mounting business environment uncertainty. Customers in the Middle East, who are now experiencing increasing personal wealth, now demand more personalized products and services that offer higher value.

Increasing competition among Financial Service Companies and the need to offer improved service while minimizing cost are now resulting to decreased margins for the majority of the industry players. Added to this is the restrictive effect of government regulations on its operations due to the upsurge of public demand for the government to improve governance, transparency and accountability.

Financial service organizations must now equip themselves with the competencies that would enable them to survive in th

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