Back to our people page Back to Locations Back to Back to Article

Dr. Mohammad Nikkar

Principal

United Arab Emirates

Mohammad’s consulting experience is focused on intersection of financial services and technology including fintech. He advises clients on growth strategies, digital ecosystems and future of financial services

Mohammad Nikkar

Areas of Focus

Education

Harvard Business School
Fintech Program
University of Leeds
MSc Banking and International Finance
University of Leeds
PhD, Telecommunication Engineering

Past Experience

KPMG UK
Financial Services Technology/Manager

Mohammad Nikkar

Mohammad is a Principal based in our Dubai office. He is a core member of the Global Financial Services practice and leads projects around key strategic mandates that leverage a combination of strategy, business and technological know-how to drive value.

Mohammad focuses on advising clients on impact of technology on financial services, including new business models, fintech strategies, digital transformation, emerging technologies, innovation & start-ups, and M&A.​

Prior to joining Arthur D. Little, Mohammad worked with KPMG UK in their Financial Services Technology practice in London. Mohammad has led consulting engagements across Middle East, Europe and Central Asia.​

He holds a PhD in Telecommunication Engineering and a Master’s degree in Banking and International Finance both from University of Leeds, UK

Realizing potential of fintech in Kingdom of Saudi Arabia
Financial Services
Realizing potential of fintech in Kingdom of Saudi Arabia
Over the last five years, the Kingdom of Saudi Arabia (KSA) has already made great advances in developing fintech into a flourishing industry marked by rapid growth, diversifying services, and increasing contribution to its national economy. However, there are some challenges ahead for KSA to meet its goal of becoming a leading global fintech hub. In this Viewpoint, we look at what has already been achieved and suggest some priorities for KSA’s fintech ecosystem to achieve its ambitious goals.
Find out more
The intersection of AI & financial services
Financial Services
The intersection of AI & financial services
In our evolving digital landscape, artificial intelligence (AI) is driving innovation across multiple sectors. It has now intersected with embedded finance, which weaves financial services into nonfinancial platforms, enhancing user experiences and streamlining processes. AI has the potential to lift embedded finance to its fullest, offering tools to combat fraud, curate personalized experiences, and manage risks.
Find out more
EMBEDDED INVESTMENT, EMBEDDED WEALTH
Financial Services
EMBEDDED INVESTMENT, EMBEDDED WEALTH
Embedded finance is transitioning from being a mere concept to a force that could substantially influence our evolving financial services landscape. Among embedded forms of payments, lending, and insurance, both embedded investments and wealth are expected to play pivotal roles, offering insights into future developments in personal finance. This Viewpoint examines the wider topic of embedded finance from multiple lenses and delves into the origins, evolution, and prospective trajectory of embedded investments and wealth, highlighting the intertwined relationship with embedded savings.
Find out more

Mohammad Nikkar

Mohammad is a Principal based in our Dubai office. He is a core member of the Global Financial Services practice and leads projects around key strategic mandates that leverage a combination of strategy, business and technological know-how to drive value.

Mohammad focuses on advising clients on impact of technology on financial services, including new business models, fintech strategies, digital transformation, emerging technologies, innovation & start-ups, and M&A.​

Prior to joining Arthur D. Little, Mohammad worked with KPMG UK in their Financial Services Technology practice in London. Mohammad has led consulting engagements across Middle East, Europe and Central Asia.​

He holds a PhD in Telecommunication Engineering and a Master’s degree in Banking and International Finance both from University of Leeds, UK

Realizing potential of fintech in Kingdom of Saudi Arabia
Financial Services
Realizing potential of fintech in Kingdom of Saudi Arabia
Over the last five years, the Kingdom of Saudi Arabia (KSA) has already made great advances in developing fintech into a flourishing industry marked by rapid growth, diversifying services, and increasing contribution to its national economy. However, there are some challenges ahead for KSA to meet its goal of becoming a leading global fintech hub. In this Viewpoint, we look at what has already been achieved and suggest some priorities for KSA’s fintech ecosystem to achieve its ambitious goals.
Find out more
The intersection of AI & financial services
Financial Services
The intersection of AI & financial services
In our evolving digital landscape, artificial intelligence (AI) is driving innovation across multiple sectors. It has now intersected with embedded finance, which weaves financial services into nonfinancial platforms, enhancing user experiences and streamlining processes. AI has the potential to lift embedded finance to its fullest, offering tools to combat fraud, curate personalized experiences, and manage risks.
Find out more
EMBEDDED INVESTMENT, EMBEDDED WEALTH
Financial Services
EMBEDDED INVESTMENT, EMBEDDED WEALTH
Embedded finance is transitioning from being a mere concept to a force that could substantially influence our evolving financial services landscape. Among embedded forms of payments, lending, and insurance, both embedded investments and wealth are expected to play pivotal roles, offering insights into future developments in personal finance. This Viewpoint examines the wider topic of embedded finance from multiple lenses and delves into the origins, evolution, and prospective trajectory of embedded investments and wealth, highlighting the intertwined relationship with embedded savings.
Find out more

More About Dr. Mohammad
  • Harvard Business School
    Fintech Program
  • University of Leeds
    MSc Banking and International Finance
  • University of Leeds
    PhD, Telecommunication Engineering
  • KPMG UK
    Financial Services Technology/Manager