تحكّم بأدق تفاصيل حياتك المالية مع مصرف أبوظبي الإسلامي عبر الطارق

Overview

AlTareq enables ADIB not only to share customer approved data as a Licensed Financial Institution (LFI), but also to securely consume data from other participating financial institutions in the UAE Open Finance ecosystem when customers explicitly consent.

As a regulated Third Party Provider (TPP), ADIB can access financial data held with other banks and providers to deliver more holistic, personalized, and intelligent Islamic banking experiences, fully aligned with the UAE Central Bank’s Open Finance Initiative (AlTareq).

How ADIB uses Open Finance as a TPP

With your permission, ADIB can securely retrieve financial data from other banks using CBUAE certified Open Finance APIs, allowing us to:

• View a consolidated picture of your finances across institutions
• Reduce repetitive data entry and documentation
• Deliver faster, more informed financial decisions
• Offer tailored products aligned to your financial behavior and needs

All data access is time bound, purpose specific, and fully controlled by you, in line with UAE Open Finance standards.

What data may be accessed (with your consent)

Depending on the service you choose, ADIB may request access to:

• Account information (balances, account types, IBANs)
• Transaction history
• Income and expense patterns
• Existing liabilities or financing obligations

This data is accessed only after your explicit approval and only for the duration and purpose you agree to.

A Smarter, Simpler Banking Experience

• One View of Your Finances

  Gain a consolidated view of accounts held across multiple banks
• Faster Approvals & Fewer Documents

  Reduce the need for bank statements, payslips, or manual verification
• Personalized Islamic Finance Solutions

  Receive product offers and insights tailored to your real financial profile
• Better Financial Decisions

  Enhanced affordability assessments and budgeting insights based on actual data

These benefits reflect the core Open Finance value: better outcomes through customer permissioned data, not data duplication or guesswork.

How Consent Works

Your trust and control are central to Open Finance.

• You choose whether to share data
• You approve what data is accessed
• You decide how long access lasts
• You can withdraw or pause consent at any time

Authentication and authorization always occur through your own bank’s secure channels, using familiar methods such as biometrics or MFA, ensuring ADIB never accesses your credentials directly.

Security & Regulatory Assurance

ADIB’s Open Finance services as a TPP are:

• Fully aligned with CBUAE Open Finance regulations (AlTareq)
• Delivered over secure, certified API infrastructure
• Governed by strict data protection, privacy, and consent standards
• Subject to regulatory oversight and compliance requirements

Data is encrypted in transit and accessed strictly under regulatory and customer‑approved parameters.