Liv Digital Bank by Emirates NBD is called the first digital bank in the UAE, and it really is: It has become a symbol of the banking sector’s transition into the era of fintech and complete digital transformation. Here, online banking is not limited to the usual operations — it is a whole system where remote banking turns into a convenient service available through a mobile application at any time. The client opens a personal account, performs financial transactions, receives a bank statement, transfers funds abroad or within the country, controls payment limits and fees — all this in a few taps. The identification process is based on a multi-level protection system. The password and SMS code remain the standard, but biometrics, PIN, video selfies, and even two-factor authentication have been added to them, ensuring data confidentiality and customer trust. A resident and a non-resident can open an online account: current, savings or corporate, as well as issue a credit card with a high limit and cashback. KYC and AML procedures, proof of income, Emirates ID, passport, and mobile app verification replace paper queues and physical visits. Liv works as a new generation neobank. Virtual cards, digital wallets, NFC, QR codes and built-in financial services make the service flexible, and international transfers are faster and more transparent, taking into account currency control and conversion. The customer experience is shaped around convenience, from instant payments and split billing to personalized service and data analytics. Special attention is paid to support: in-app chat, contact center, one-click account lock, automatic bots for typical requests. The digital service combines artificial intelligence, blockchain and open APIs, creating a space where the banking system becomes accessible, secure and customer-oriented. Liv Digital Bank does not just offer services — it forms a new standard of banking, in which trust, security and transparency of conditions become not a promise, but a reality.