+971508994343

Empowering your vision, guiding your success

Board and C level boutique Consultacy for major Enterprise Transformation Programs spanning across strategy, technology and operation.

Pioneering excellence

With over 30 years of experience in senior leadership roles, I, Ghinwa Baradhi, have a proven track record of transforming technology and operations at global and regional levels. As the former Chief Operating Officer of HSBC Middle East, North Africa, and Türkiye, I led large-scale, technology-driven initiatives to enhance resilience, security, and growth. Managing annual budgets exceeding $700 million, I delivered transformative programs in core banking, digital innovation, and operational excellence, achieving significant cost savings in record time while fostering business growth. My expertise extends to complex divestitures, M&A transactions, and forging strategic FinTech partnerships. My engagement with Regulators across the region over three decades build me a high level of knowledge of addressing their requirements in a timely manner. Recognized with multiple accolades, including CIO of the Year (FINNOVEX 2020) and MENA CIO of the Year (IDC 2019), I was also listed in the Top 100 in FinTech (2023, 2024) and named one of the Top 10 Influential Women CEOs in FinTech (2024).With board memberships, certifications (SAFe 5.0 Agilist), INSEAD , and advanced degrees (MSc in Computer Science, MBA), I bring a strategic, future-focused perspective to creating resilient, innovative organizations.

ForeThought Services

Fourethought services are designed for financial institutions and leaders aiming to harness technology, optimize operations, and innovate sustainably. Our commitment is to provide strategic, innovative, and results-driven solutions tailored to your industry's unique challenges and business goals.
Strategic business consulting
Development and implementation of innovative strategies aimed at increasing the efficiency of business processes. We delve deeply into the specifics of your business, creating personalized solutions for long-term success.
Core Banking Transformation programs
A proven record of delivering major Core Banking Solutions in a record time and optimal cost including Bank in a Box from end to end.
M&A and Divestitures
With our massive experience in executing complex divestitures, M&As, and multi-country banking transformation, we offer strategic stepped approach from initiation to Legal Day 1 closure.
Digital transformation & Fintech Innovation
Pioneering fintech solutions to modernize service offerings and enhance customer experience. We help your business adapt to rapidly changing technology trends.
ESG and Net-Zero Transitions
We advise on strategies that incorporate ESG and resilience into core operations, driving change in line with environmental, social, and governance standards while aligning organization’s goals with sustainability commitments. .
Operational Optimization & Efficiency
Unlock substantial cost savings and efficiency improvements. With COO experience across Back Office Cost Functions, we bring a strategic approach to optimizing operations and managing cost at scale.

Successful transformations with ForeThought

Core Banking transformation
M&A and Divestiture
Digital Transformation
Innovation
Successfully upgraded core banking systems across eight countries in an 18-month period, enhancing stability and service delivery of an international bank.“Bank-in-a-Box” Transformation: Delivered a full banking transformation program within 16 months, setting new standards for agility in operational restructuring.
Record time in executing very large and complex integration or separation of entities while ensuring smooth transitions, compliance, and value creation.
Digital Product Launches: Led initiatives that resulted in significant customer growth and expanded digital service offerings.
Blockchain Innovation: Executed the first blockchain transaction by a bank in the Middle East, positioning the institution as a leader in fintech innovation.

Contact me

Dubai, PO Box 450097, UAE
I will introduce you to key services and benefits and understand your current needs.