Bank of Sharjah

Bank of Sharjah facts and figures:

  • Established 22 December 1973
  • 15,000 customers
  • AED 20.9 billion assets
  • Head office in Sharjah, UAE
  • Awards: Best Board Award, Hawkama, Institute for Corporate Governance in the Middle East Mergers and Acquisitions Deal of the Year Award, The Banker Magazine – FT Business, 2009

Bank of Sharjah is a corporate bank for whom SMEs, UAE-based businesses, the government and government-related entities form the majority of its customer base. Due to the corporate nature of its clientele, Bank of Sharjah found that their customers were demanding more in terms of the availability of products and services through the electronic channels. They expected to be able to easily access their finances and perform transactions wherever they were, allowing them to focus on their primary business operations.

The Challenges

Bank of Sharjah prides itself on its ability to cater to individual customer needs and to enable their customers to achieve their business objectives with the assistance of innovative and personalised banking services. The bank’s relationships with their customers are of paramount importance and in order to be able to maintain these strong links with their customers, they needed a powerful multichannel solution to meet  customers’ needs on every channel. When they set out to achieve this goal the bank faced a number of challenges:

  • The bank needed to find a solution that would simplify operations and allow a small team of bank staff to manage all of their electronic channels
  • The bank needed to be able to deploy responsive electronic channels to respond quickly and efficiently to their customers’ requirements
BOS mobile in hand

The Solution

Bank of Sharjah selected CR2’s BankWorld multichannel suite which enables them to manage all of their electronic channels from one single platform and includes BankWorld Channel Manager, BankWorld ATM, BankWorld Internet, BankWorld Mobile and CardWorld card management for Visa and MasterCard. The bank’s decision to use a single vendor to manage all of their electronic channels and card production instead of separate vendors for each channel, allows Bank of Sharjah to have complete control over their Internet, Mobile and ATM channels and cuts down on complexity while offering a consistent range of services.

The Results

Selecting BankWorld to manage all channels resulted in a truly multichannel operation rather than a number of channels operating in silo mode. BankWorld is a multivendor solution which means it could be easily and seamlessly integrated with Bank of Sharjah’s existing technology including NCR ATM hardware, a Misys BankMaster core banking system and any type of mobile handset. BankWorld provides the bank with an integrated view of their ATM, internet and mobile channels meaning they are in complete control of their self-service network.  


A small team within the bank can design and deploy new products and services easily across all channels without the intervention of a third party vendor, meaning the bank can provide a personalised and flexible service to all their corporate clients. This ensures the bank can provide the support to these clients that will help them to achieve their business goals.


CR2’s BankWorld multichannel suite of solutions has ensured that Bank of Sharjah have been able to maintain their core values of performance, quality and initiative. BankWorld allows the bank to keep pace with the everchanging corporate world and provide unparalleled service to their valued customers at a profit.


Following their great experience using BankWorld, Bank of Sharjah also selected BankWorld to power the Internet and Mobile channels of its subsidiary bank Emirates Lebanon Bank. BankWorld has enabled Emirates Lebanon Bank to offer high level service to its corporate and private customers through innovative features such as the capability to delegate tasks to your Relationship Manager and transfer funds from any mobile device.