Dr. Joseph George

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Ajman Bank
Chief Technology Officer

Dr. Joseph George is the Chief Technology Officer at Ajman Bank, UAE, with over 25 years of experience leading large-scale digital transformation and technology modernization across leading banks in the GCC. Prior to joining Ajman Bank, he served as Group Chief Digital & Information Officer (CDIO) at Doha Bank, where he led multi-country transformation programs across Qatar, UAE, Kuwait, and India, including the launch of next-generation retail and corporate digital platforms, real-time payments, treasury automation, and the adoption of AI-driven capabilities within a highly regulated environment. Earlier in his career, Dr. George served as Chief Information Officer at the National Bank of Fujairah (NBF) and Head of IT Development at the Commercial Bank of Dubai (CBD), where he played a pivotal role in redefining digital banking through enterprise-wide modernization initiatives. Across these roles, he has consistently delivered secure, scalable, and customer-centric solutions spanning core banking, payments, digital channels, AI, data governance, cybersecurity, and regulatory compliance. He holds a doctorate in Software Engineering, with a strong focus on customer-centric digital transformation, data, and artificial intelligence, and is a frequent speaker at regional and international forums on digital banking transformation, AI in financial services, and the future of regulated innovation.