Smart Middle East

New systems, better outcomes

In the Middle East, current end-of-service gratuity systems leave the onus on employers to pay out unpredictable amounts at the end of an employee’s tenure. This can create uncertainty and insecurity for both the business and the individual.

However, public policy throughout the region is evolving and new systems are soon to be implemented across the GCC region to ensure more visibility and certainty. This is where technology like ours comes into play.

Find out more about the role of technology in reforming retirement saving across the GCC.

Our technology platform, Keystone by Smart, connects individuals to their retirement income, creating more secure futures for generations to come. We partner with large financial institutions and governments to roll out digital Defined Contribution workplace savings plans, enabling individuals and their employers to contribute regularly to their long term retirement funds, at scale.

Multiple currencies

Operational in multiple currencies and languages (including Arabic)

Accelerated time to market

Accelerated time to market, as already operational in the Middle East

Integrates seamlessly

Integrates seamlessly with existing payroll and HR systems


Adaptable to local compliance regulations and ISO9001 certified

Global support

Supported by Smart’s workforce of over 500 colleagues globally

 Case Study: Workplace Savings for the DIFC

Hear more from Adam Watterson, Zurich Workplace Solutions’ Head of Operations and Commercial, on what it’s like to work with Smart.

The technology in action

Our cloud-native technology is purpose-built to support individuals to save for their futures, keep track of their investments and make changes to their account. And our employer portal makes managing workplace pension admin easy and efficient for businesses, too. We are continually learning from user insights to deliver cutting-edge and intuitive tools.

Tim Phillips

MD, Smart Middle East & Asia

Tim is the Managing Director of Smart's Middle East and Asia business. Based in the UAE, Tim works with Smart's platform clients to deliver digital platforms, in order to drive innovation and efficient operations in the running of DC pensions and savings schemes. He has worked in the pensions industry for 20 years, with the past five years being based in the Middle East. He is the former elected Vice President of the Pensions Management Institute in the UK.

Contact email:

Get in touch

Speak to one of our local experts about our technology and how we can support your business.

Smart, Level 29 ICD Brookfield Place
DIFC, Dubai, UAE