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 Ahmad Hammouda, Founder and CEO of Thndr, asserted that enhancing financial literacy is one of the most critical priorities in the current period. He noted that developing individuals' financial awareness extends beyond merely offering investment tools to cultivating sustainable financial behaviors that enable efficient income management, saving, and investing.

Speaking during a panel discussion at the Huawei Cloud FinTech Summit 2026, Hammouda highlighted the significant development within the financial sector's regulatory environment. He pointed out that a clearer legal framework now enables companies to introduce diverse financial and investment products, which has expanded the scope of solutions available to users and enhanced overall service quality.

Ultimately, Hammouda added, these regulatory advancements serve a primary goal: improving individuals' quality of life by granting them access to more flexible and effective financial tools that help secure long-term financial stability.

Addressing personal finance management, Hammouda presented a practical vision for how individuals should manage their income, regardless of its size. He explained that the core concept does not rely on the amount of money, but rather on the management mechanism and long-term financial discipline.

He stressed that saving and investing must become permanent fixtures of daily life, rather than decisions tied to temporary circumstances, noting that consistently allocating a portion of one's income periodically forms the foundation for true wealth accumulation over time.

Furthermore, Hammouda advocated for a gradual investment approach, where individuals allocate a fixed percentage of their monthly income across various investment instruments. This strategy enables portfolio diversification, mitigates risks, and yields more stable long-term returns, while fostering healthy financial habits that deliver cumulative results.

Hammouda also underscored the importance of asset diversification, advising against relying on a single asset class. Allocating investments among gold, real estate, and various financial assets mitigates risks associated with market volatility and grants investors greater financial balance.

He concluded by stating that building a balanced investment portfolio does not require complex expertise as much as it demands commitment and consistency. In light of current economic shifts, investing is no longer secondary but an absolute necessity, where an early start and financial discipline serve as the decisive factors for long-term growth.