UAE Banks Strengthen Security with Biometrics and AI

Feb 28, 2026

67 min

Feb 28, 2026 01:30

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

## Transition to Biometric and In-App Authentication

Banks in the UAE are moving away from SMS and email-based one-time passwords (OTPs) as part of new regulations from the Central Bank of the UAE. By the end of March 2026, all financial institutions must adopt in-app approvals, biometric logins, and risk-based authentication systems. This shift aims to enhance security for online transactions, including shopping and fund transfers.

## Focus on Fraud Prevention

The new regulations emphasize fraud prevention, requiring banks to implement advanced detection capabilities. These include active call and screen sharing detection, as well as the use of behavioral intelligence to combat scams. Impersonation fraud and phishing scams targeting younger users are on the rise, prompting a need for robust, technology-driven solutions.

## AI Governance in Banking

The Central Bank has also introduced guidelines for the use of artificial intelligence in financial services. The framework outlines accountability standards for AI tools in risk monitoring and fraud detection, ensuring oversight and data protection. The goal is to enhance consumer protection and reinforce governance and transparency in the sector.

## Practical Implications for Residents

For UAE residents, the immediate change will be the increased use of biometric or in-app approvals for online transactions. This move is part of the broader effort to meet the March 2026 deadline and align with enhanced digital security measures.

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