UAE Central Bank Introduces New AI Guidelines for Banking

Feb 23, 2026

53 min

Feb 23, 2026 23:30

8 ways new AI rules will change how you bank in the UAE

## AI in Banking: New Rules

The Central Bank of the UAE has introduced new regulations to ensure the responsible use of artificial intelligence in the banking sector. These guidelines aim to protect consumer rights and maintain transparency.

## Consumer Protection

The rules emphasize that AI should enhance banking services without compromising fairness or trust. Banks are required to use AI responsibly, avoiding any opaque or risky practices.

## Accountability and Fairness

Senior management in banks will now be accountable for AI-related decisions. The guidelines stress the importance of fairness, ensuring AI systems do not produce biased outcomes, particularly in areas like loans and insurance.

## Transparency and Human Oversight

Banks must inform customers when AI influences decisions affecting their financial services. Human oversight is mandatory, allowing for intervention and review of AI-driven decisions.

## Data Protection and Innovation

Data privacy is a key focus, with AI systems needing to meet strict data protection standards. While innovation is encouraged, it must not lead to manipulative practices. Banks remain responsible for AI, even when using third-party services.

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