First, how did you receive the Hong Kong version of the S23 in the UAE? Samsung UAE will not provide an official warranty for devices sold in the UAE without TDRA certification. If you purchased it through an online market, they might give their own ...
Flash your device using Indian firmware with Odin (if your phone is compatible). The availability of 5G bands may vary from country to country. The device you are using, made in Hong Kong, is not for official sale either in the U.A.E. or India. Hence...
Remove existing registered fingerprints in your phone and re- register the biometrics in your phone settings then try to make payments using samsung pay online eg. etisalat app. it worked for me