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AlTareq gives you the power to safely and securely share your Abu Dhabi Islamic Bank financial data with licensed banks, insurers, and regulated businesses, and other financial institutions of your choice, giving you frictionless access to a world of choices, services, and insights.
AlTareq and Abu Dhabi Islamic Bank offer you innovative ways to access and utilise financial services in the UAE.
Real-Time Visibility Track and monitor your financial services and transactions in real-time.
Many Providers, Many Ways to Access Get tailored offers, smarter advice, and more personalised services, on your terms.
You’re in Control, Always Decide who gets access to your financial data only with your explicit consent.
Secure by Design Regulated by the Central Bank of the UAE, your data and financial services are protected with world-class encryption.
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.
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).
With your permission, ADIB can securely retrieve financial data from other banks using CBUAE certified Open Finance APIs, allowing us to:
All data access is time bound, purpose specific, and fully controlled by you, in line with UAE Open Finance standards.
Depending on the service you choose, ADIB may request access to:
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.
These benefits reflect the core Open Finance value: better outcomes through customer permissioned data, not data duplication or guesswork.
Your trust and control are central to Open Finance.
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.
ADIB’s Open Finance services as a TPP are:
Data is encrypted in transit and accessed strictly under regulatory and customer‑approved parameters.
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