{"id":103204,"date":"2025-05-01T00:00:00","date_gmt":"2025-05-01T00:00:00","guid":{"rendered":"https:\/\/enterpriseam.com\/uae\/enterprise-explains-open-finance-in-the-uae\/"},"modified":"2025-05-01T00:00:00","modified_gmt":"2025-05-01T00:00:00","slug":"enterprise-explains-open-finance-in-the-uae","status":"publish","type":"post","link":"https:\/\/enterpriseam.com\/uae\/2025\/05\/01\/enterprise-explains-open-finance-in-the-uae\/","title":{"rendered":"Enterprise Explains: Open finance in the UAE"},"content":{"rendered":"<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong>Last year, the Central Bank of the UAE (CBUAE) issued open finance regulations for the<\/strong><strong> country<\/strong>, with the rules setting up a framework to license and supervise Open Finance operations in the UAE\u2019s financial sector. Last week saw the first fintech \u2014 Pay10 \u2014 <a target=\"_blank\" href=\"https:\/\/enterprise.news\/uae\/en\/news\/story\/7a97d2bd-f426-4e6e-a834-f5101dd446d5\/uae-central-bank%25e2%2580%2599s%253cmark%253e-open-finance%253c%2Fmark%253e-framework-debuts-with-first-fintech-authorization\" style=\"\" rel=\"noopener\">go live<\/a> under the framework, allowing it to launch payment initiation services.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong style=\"background-color: transparent;\">Enterprise had a chat with Executive Vice President and Head of Digital for Mashreq\u2019s Retail Banking Group Corey Thompson<\/strong><span style=\"background-color: transparent;\"> to explain what open finance is, what the regulations mean, and how ready major institutions in the UAE are for the framework rollout.<\/span><\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Open finance is essentially the sharing of financial data and services by financial institutions with third-party providers<\/strong> (also known as TPPs). These third parties can be other banks, fintech companies, or even non-financial entities.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>While the concept of open finance is broad, in the UAE, it\u2019s being implemented through a specific regulatory framework.<\/strong> This framework enables financial institutions to share data and services with other financial or non-financial institutions that have been licensed under the new Open Finance regulations.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Many people are familiar with \u201copen banking,\u201d which has been present in Europe for some time. Open finance is an extension of this concept.<\/strong> Open banking was limited to the sharing of \u2018banking\u2019 data and services, while open finance encompasses a wider range of financial institutions, including insurers, wealth managers, and exchange houses.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>In practice, what does that mean?<\/strong> Open finance involves two main activities \u2014 data sharing and service initiation. Data sharing includes sharing transaction histories, which can be used for various purposes like aggregating accounts across banking relationships, generating insights on spending patterns to help customers save, supporting credit decisions, or identifying financial needs for customers. On the service initiation side, this is primarily focused on payments and allows third-party providers to initiate payments on behalf of a customer, either as a one-off transaction or on a recurring basis.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>What are the benefits of open finance? <\/strong>The Central Bank is introducing open finance to drive innovation. By enabling the sharing of financial data and services, it aims to facilitate the creation of new financial products and services by banks, non-banks, fintech companies, and other institutions.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Customers can benefit through greater financial transparency, simplicity and reduced friction.<\/strong> Customers can view their accounts across multiple banks in a single app, eliminating the need to log in to each bank separately. Businesses can also use open finance to receive payments from customers without requiring them to use a credit card. For example, a subscription service could directly debit a customer\u2019s account. This could also be used to streamline payments to merchants.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Open finance is expected to foster a broader range of innovative financial services and products<\/strong>, and increase competition in the market, as money becomes more mobile. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>While data privacy is often a concern when the question of data sharing comes into play, open finance is tightly regulated to address data privacy risks.<\/strong> A common misconception is that open finance allows fintech companies or aggregators to freely access customer data, which is not the case, Thompson says. \u201cA fundamental principle of open finance is customer consent. Customers must explicitly authorize a third-party provider (TPP) to access their data or initiate services on their behalf.\u201d This consent is provided to the customers\u2019 bank and must be specific, time-bound, and scenario-specific. \u201cFor instance, a customer would need to grant specific permission for a TPP to access their data from a particular bank for a defined purpose<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">and duration,\u201d he explains.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>In the UAE, TPPs must be licensed under the Central Bank\u2019s open finance regulations. This is a key difference from open banking in Europe<\/strong>, where such licensing is not always required. This licensing regime ensures that TPPs adhere to strict data privacy and security standards. They must demonstrate this adherence to obtain a license and will be supervised by the Central Bank, to ensure ongoing compliance.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Some players in the ecosystem are better-positioned than others to adapt to the new regulations.<\/strong> \u201cIn the case of Mashreq, we\u2019re already well progressed with the modernization of our tech stack and some aspects of open finance converge well with our existing digital roadmap. There is extra work for us to do \u2014 it\u2019s not trivial. But we\u2019re also looking at this as an opportunity to improve the overall customer experience, and performance for the bank holistically,\u201d Thompson says.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cAs a bank, Mashreq is regulated to be a \u2018supplier\u2019 to open finance \u2014 making data sharing and payment services available for Open Finance<\/strong> \u2014 but we also could participate as a TPP, on the other side of open finance,\u201d he said. \u201cSo, a question that we\u2019re looking at is: If we were a TPP, how can we leverage open finance to complement Mashreq\u2019s existing digital capabilities, like advanced analytics and AI, to deliver a superior experience for our customers.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last week saw the first fintech go live under the CBUAE\u2019s Open Finance Framework<\/p>\n","protected":false},"author":1,"featured_media":103205,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","ep_exclude_from_search":false,"_primary_brand":0,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1599],"tags":[159,603,7,79,2308,1513],"brand":[],"newspack_spnsrs_tax":[],"class_list":["post-103204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enterprise-explains","tag-banking","tag-enterprise-explains","tag-enterpriseam-uae","tag-fintech","tag-open-banking","tag-open-finance","wpautop","entry"],"acf":{"mongo_id":"449ae571-8469-4eb6-9887-4f6224cde056","order":"9","is_powered_by":false,"story_type":"1","photo_url":"https:\/\/ent.news\/2024\/11\/2390.jpg","photo_position":"above","homepage_title":"","full_issue_title":"Enterprise Explains: Open finance in the UAE","related_issue":[103189],"teaser":"Last week saw the first fintech go live under the CBUAE\u2019s Open Finance Framework","voice_url":"https:\/\/s3.us-east-1.amazonaws.com\/ent.news\/audio\/2025\/5\/.d4745f97-f16f-4f5f-9c8e-2a850df28c46.mp3"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - 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