Investments in the age of change or 谷歌留痕排名代做"the digital future": Apricot Capital’s perspective

April 11, 2025  12:40

With the rapid digitalization of the financial sector, matters of data security, the development of new forms of money and personalized investment solutions are taking center stage. Technologies such as blockchain and biometric authentication are transforming traditional payment methods and require market participants to place greater emphasis on privacy and cyber security. At the same time, traditional financial institutions are losing defined boundaries: banks, insurance and investment companies are increasingly becoming multifunctional platforms that integrate various financial services into a single ecosystem.

In a conversation with NEWS.am Tech, Ofelya Aghakaryan, Senior Executive Officer at Apricot Capital DIFC Limited in Dubai—part of the Apricot Capital ecosystem—discusses these topics in more detail.

A platform for open dialogue and knowledge exchange

Since 2025, Armenian company Apricot Capital has been an investment partner of the Doing Digital forum, highly valuing this collaboration. Ofelya Aghakaryan, Senior Executive Officer of the Dubai-based company within this ecosystem, notes that the forum provides a unique platform for discussing complex and multifaceted topics. The topic of the future of finance was particularly compelling for Apricot Capital in 2025. Participation in such discussions helps the company stay at the forefront of innovation and improve the quality of its services.

“We are happy to share our experience and collaborate with like-minded professionals,” she said.

The future of money: personalization, technologies and open finance 

According to Aghakaryan, there will be a major shift in the perception of money over the next ten years. She believes the main trends will be personalized investment solutions and instant access to data. She cites China as an example, where biometric payment methods, including identification by palm, are already being adopted. This, on the one hand, gives users convenience, but on the other hand, it requires flawless data protection and the development of cybersecurity from providers.

She adds that the boundaries of traditional financial institutions are gradually being blurred. Banks, insurance and investment companies are becoming universal platforms where users are able to manage all their finances and investments in one platform. Aghakaryan believes that open banking will be the foundation for a new financial system where it will be easier for the customer to make decisions and track their performance.

Three regions, three strategies: Armenia, Dubai, and Hong Kong

Apricot Capital is an ecosystem of premier international investment companies in Armenia, Dubai and Hong-Kong. According to Aghakaryan, each of these regions offers a distinct approach to investment and regulation. In Armenia, retail investment is still relatively new but rapidly gaining popularity. Through initiatives like Apricot Academy, the company actively promotes financial education.

In Dubai, the Apricot Capital DIFC Limited team operates within the Dubai International Financial Centre (DIFC), which attracts the world’s largest banks and funds, offering an innovative and competitive environment. Meanwhile, Hong Kong is known for its deep investment culture, transparent regulation, and solid reputation. Despite cultural differences, Aghakaryan believes there is strong potential for effective knowledge exchange among these regions, provided there is thoughtful adaptation to local realities.

Armenian expertise as a source of new solutions

While Dubai and Hong Kong are considered more mature markets, Aghakaryan is confident that their teams can learn from the Armenian team. She notes that the Armenian company has accumulated significant expertise in investment, which can be utilized in other jurisdictions. At the same time, it is important to strengthen local teams and integrate Armenian expertise with regional particularities.

Smart infrastructure for smart investments

One of Apricot Capital’s key priorities is to create conditions that enable investors to make well-informed decisions in an environment of constant change. The company provides access to over 35 global markets and a range of investment products, including structured solutions tailored to clients’ specific goals. According to Aghakaryan, modern technologies and a strong team of experts also play a crucial role in ensuring the reliable execution of investment strategies.

First steps in the investment world: from theory to practice

For those starting their journey in the investment field, Aghakaryan recommends combining theoretical knowledge with practical steps. She advises beginning with small amounts to explore the market through personal experience. Educational initiatives like Apricot Academy help beginners understand what to pay attention to when selecting investment tools and how to assess the reliability of business partners. At the same time, it is essential to reinforce the knowledge gained through practice.

“The best way to learn is through practice,” she emphasizes.

Apricot Capital DIFC Limited is regulated by the Dubai Financial Services Authority (DFSA)․ Services of Apricot Capital DIFC Limited are intended for Professional Clients and Market Counterparties only.