Insights

AI is reshaping the sustainability tech stack and transforming how organisations approach technology procurement. This report, 'Sustainability Tech Stack: The Procurement Guide,' addresses the evolving intersection of artificial intelligence, sustainability, and enterprise procurement. It explores how sustainability has moved from climate commitments and ESG reporting to a core consideration in technology sourcing, cloud and data centre selection, hardware lifecycle management, and regulatory compliance. 

The report outlines the six converging drivers influencing procurement, including the impact of AI workloads on energy consumption, expanding regulatory requirements, Scope 3 emissions, carbon costs, circular economy initiatives, and the growing role of financial institutions in linking supplier sustainability to financing. It examines how leading enterprises are embedding sustainability into supplier qualification, infrastructure planning, and contract structures across sectors such as banking, telecommunications, manufacturing, and retail.

Key questions addressed include: How are sustainability objectives operationalised in procurement decisions? Where does sustainability enter the technology buying process? What regulatory reforms are shaping procurement in APAC and globally? How are organisations progressing from reporting-led to decision-led sustainability? What steps are required to build a scalable, governed procurement capability that meets both compliance and business objectives?

This guide is essential for procurement leaders, technology buyers, and CXOs seeking to understand the frameworks, governance models, and practical steps needed to integrate sustainability into technology procurement and prepare for future regulatory and operational demands.

Sustainability Tech Stack: The Procurement Guide

This report examines how India's leading telecom operators are evolving from traditional connectivity providers to orchestrators of comprehensive digital lifestyle experiences. As the Indian telecom market expands, driven by rapid 5G adoption and surging smartphone data usage, operators are moving beyond core voice and data services to offer integrated platforms that include OTT content, fintech, gaming, and cloud services. The report explores how digital experience quality—spanning seamless onboarding, personalised plan recommendations, AI-powered support, and unified digital ecosystems—has become central to customer engagement and business growth.

Key questions addressed include: How are telecom companies leveraging AI, multilingual interfaces, and bundled service models to enhance customer journeys? What strategies are top operators like Airtel, Jio, Vi, and BSNL using to differentiate their digital offerings? How do operators manage discovery, onboarding, transactions, support, and retention to deliver consistent, relevant experiences? The report also outlines growth opportunities in Tier 2 and Tier 3 markets, the impact of value-added services, and the role of digital transformation in shaping future revenue streams.

Using a structured evaluation framework, the report assesses operator performance across five critical customer journey stages, highlighting best practices and emerging trends. It provides actionable insights for telecom leaders seeking to improve digital engagement, reduce friction, and build long-term customer loyalty in an increasingly competitive landscape.

Connectivity to Lifestyle - How India's telecom giants are turning connectivity into delightful digital experience

AI workforce readiness is now a defining factor for enterprise competitiveness as artificial intelligence transforms business operations and IT infrastructure. This report provides a comprehensive guide for organizations seeking to close the AI skills gap at scale, moving beyond basic awareness to targeted reskilling and capability building. It examines the evolving nature of AI skills, highlighting the shift from technical execution to human judgment, governance, and orchestration. The analysis covers both business and IT domains, detailing the new requirements for managing agentic AI systems, data fluency, security, and compliance, as well as the growing importance of critical thinking, adaptability, and ethical oversight.

Key questions addressed include: What are the most urgent AI-native and reshaped skills enterprises must develop? How do business and technical skill gaps differ, and where are the biggest risks? What frameworks and roadmaps can guide organizations from fragmented AI adoption to mature, governed, and ROI-driven deployment? The report also explores the operational and financial risks of failing to reskill, the impact of AI on traditional roles, and the strategies leading organizations use to embed AI into workflows. With insights from industry research and practical recommendations for large and midsize enterprises, this report equips leaders to assess their current AI maturity, prioritize upskilling, and build a sustainable talent pipeline for the AI era.

AI Workforce Readiness: Reskilling at Enterprise Scale

AI adoption in Middle Eastern banking is accelerating, with artificial intelligence now central to the modernization strategies of leading financial institutions across the GCC. This report, "AI Radar: Banks (Middle East edition)," examines how banks are moving beyond isolated pilots to enterprise-scale AI deployment, transforming workflows in risk management, compliance, customer onboarding, and operational control. It explores the progression from targeted functional AI use cases—such as fraud detection and customer service—to integrated workflow automation and, ultimately, to platform-led models that embed intelligence across the organization.

The report profiles major banks including Mashreq Bank, Bahrain Islamic Bank, Saudi Awwal Bank, Emirates NBD, Al Rajhi Bank, Kuwait Finance House, National Bank of Kuwait, Bank of Bahrain and Kuwait, Bank Muscat, First Abu Dhabi Bank, Riyad Bank, and Commercial Bank of Qatar. Each case study details the business challenges faced, the AI-driven solutions implemented, and the operational domains impacted, from Shari’a advisory and KYC verification to enterprise workflow orchestration and predictive operations.

Key questions addressed include: How are GCC banks leveraging AI to improve decision-making and customer experience? What infrastructure investments are enabling scalable AI deployment? In which banking functions is AI delivering the greatest operational impact? What distinguishes the region’s approach to AI transformation compared to global peers? The report also outlines strategic considerations for CXOs, focusing on the shift from fragmented experimentation to infrastructure-led AI maturity and the implications for future operating models in financial services.

AI Radar: Banks (Middle East edition)

The Twimbit AI Spotlight: NAB report provides an in-depth analysis of how National Australia Bank (NAB) is leveraging artificial intelligence to drive operational transformation within the financial services sector. Focusing on enterprise AI adoption, the report explores NAB’s strategic priorities, including generative AI integration, fraud and scam prevention, engineering acceleration, and workforce productivity. It details the bank’s multi-year technology modernisation program, highlighting investments in cloud migration, data platform consolidation, and partnerships with leading technology providers such as Amazon Web Services, Pegasystems, and BioCatch.

This report addresses key questions for executives and decision-makers: How is NAB embedding AI across core banking functions? What frameworks and governance structures support responsible AI deployment? Which technology and data infrastructure investments enable scalable AI adoption? How does NAB’s approach to workforce empowerment and AI talent development support its transformation goals? What are the critical use cases for AI in customer engagement, fraud detection, and software engineering?

By examining NAB’s disciplined, enterprise-first approach to AI, the report offers valuable insights for banks and financial institutions seeking to modernise operations, strengthen risk management, and build a foundation for future AI-driven innovation. Readers will gain a comprehensive understanding of the strategies, investments, and organisational changes required to operationalise AI at scale in banking.

Twimbit AI Spotlight: NAB

This report, "Twimbit AI Spotlight: Westpac," examines how Westpac, one of Australia’s largest banks, is integrating artificial intelligence into its enterprise transformation strategy. The analysis covers Westpac’s approach to embedding AI across core banking operations, including fraud prevention, lending automation, employee productivity, and digital innovation. It details the bank’s Data, Digital & AI strategy, highlighting how AI is positioned as a strategic capability rather than a standalone initiative. The report explores Westpac’s technology investments in cloud infrastructure, data platforms, and digital tools, as well as its governance frameworks for responsible AI deployment. Key questions addressed include: How is Westpac leveraging AI to simplify operations and improve customer experiences? What are the main AI use cases in fraud detection, mortgage lending, and business credit? How does the bank ensure responsible AI practices and regulatory compliance? What role do flagship platforms like BizEdge and Westpac One play in scaling AI across business and institutional banking? The report also outlines Westpac’s structured approach to scaling AI, including the AI Accelerator and AI for Everyone programs, and examines the organisational changes supporting AI adoption. Readers will gain insight into the challenges and opportunities of enterprise AI transformation in banking, the importance of robust data and technology foundations, and the governance practices that underpin responsible AI at scale.

Twimbit AI Spotlight: Westpac

Enterprise AI workforce readiness is now a critical factor in successful digital transformation. This report examines how organizations can build the workforce capabilities needed to scale artificial intelligence beyond isolated projects and achieve enterprise-wide impact. It explores the three stages of AI maturity—Automation, Collaboration, and Re-invention—highlighting how each stage requires different skills, adoption practices, governance structures, and approaches to human-AI integration. 

The report addresses the challenges organizations face as AI becomes embedded in business operations, decision-making, and customer interactions. It outlines the evolving requirements for both technical and non-technical roles, detailing the shift from specialist AI skills to broader AI literacy and collaboration capabilities. The AI Workforce Readiness Framework is introduced as a practical tool for assessing maturity across four key dimensions: Skills, Adoption, Governance, and Human-AI Integration.

Readers will find guidance on identifying capability and skills gaps, understanding the distinct needs of different workforce groups, and prioritizing actions to accelerate progress from automation to true human-AI partnership. The report also discusses the strategic priorities for leaders aiming to move their organizations toward the Re-invention stage, where AI and human expertise are intentionally combined to drive innovation, productivity, and sustainable competitive advantage. 

Key questions answered include: What are the stages of enterprise AI maturity? Which workforce capabilities are essential at each stage? How can organizations assess and close skills gaps? What are the practical steps to embed AI across the enterprise and realize its full value?

Enterprise AI Workforce Readiness

The MEA telcos performance benchmark: Spring 2026 report provides a comprehensive analysis of telecommunications operators across the Middle East and Africa, focusing on their financial and operational performance in the first quarter of 2026. This report is essential for industry professionals seeking to understand how regional telcos are navigating challenges such as regional conflict, evolving data consumption patterns, and the shift from voice to data as the primary revenue driver. It examines the impact of enterprise segment growth, the increasing structural role of fintech, and the strategic moves telcos are making to build digital stacks under unified brands. The report also explores how operators are leveraging AI, managing capital expenditure, and executing deliberate postpaid quality upgrade cycles, particularly in the GCC. Additionally, it addresses how MEA telcos are unbundling their business layers—such as towers, connectivity, enterprise technology, fintech, and data centers—to attract capital and achieve higher valuations. The analysis includes detailed sections on EBITDA, ARPU, and CAPEX, as well as the significance of submarine cable and cable landing station ownership as a stable revenue source. Key questions answered include: How are MEA telcos adapting their business models in response to market pressures? What strategies are driving margin expansion and capital attraction? How are digital transformation and AI monetization shaping the future telco landscape in the region?

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MEA telcos performance benchmark: Spring 2026

Twimbit AI Spotlight: Westpac

AI Workforce Readiness: Reskilling at Enterprise Scale

AI Radar: Banks (Middle East edition)

Sustainability Tech Stack: The Procurement Guide

Twimbit AI Spotlight: Westpac

AI Workforce Readiness: Reskilling at Enterprise Scale

Sustainability Tech Stack: The Procurement Guide

Enterprise AI Workforce Readiness

Twimbit AI Spotlight: NAB

Connectivity to Lifestyle - How India's telecom giants are turning connectivity into delightful digital experience