UAE Banks Boost Security with Biometric Logins and AI

Feb 28, 2026

71 min

Feb 28, 2026 00:30

More UAE banks now tighten security with biometrics logins, AI fraud checks

## Transition to Biometric Logins

Banks in the UAE are moving away from SMS and email-based one-time passwords (OTPs) as part of a new directive from the Central Bank of the UAE. By the end of March 2026, all licensed financial institutions are required to adopt in-app approvals, biometric logins, and risk-based authentication systems. This change aims to enhance digital security and fraud prevention across the banking sector.

## Enhanced Fraud Prevention

The new regulations emphasize the importance of fraud prevention, requiring banks to implement advanced capabilities such as active call detection and screen sharing detection. The use of behavioral intelligence is also encouraged to combat real-time scams. Impersonation fraud, where criminals pose as officials or bank staff, is a growing concern in the region.

## AI Governance and Oversight

In addition to authentication reforms, the Central Bank has introduced guidelines for the use of artificial intelligence and machine learning in financial services. These guidelines focus on accountability and oversight, ensuring that AI tools are used responsibly in areas like risk monitoring and fraud detection. The framework aims to enhance consumer protection and reinforce governance principles.

## Practical Implications for Residents

For UAE residents, the shift means that online transactions will increasingly require biometric or in-app approvals instead of SMS codes. This transition is part of the broader effort to align with tighter digital safeguards and improve the overall security of financial transactions in the country.

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