End of OTP: UAE banks’ fast-track guide to CBUAE Consumer Protection Regulation
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End of OTP: UAE banks’ fast-track guide to CBUAE Consumer Protection Regulation

OTP-based transaction authentication is being phased out in the UAE, allowing the region to move towards upgraded fraud resilience. While the regulatory shift is already in motion, this guide explains what UAE banks must do to meet the March 31st, 2026, deadline.

About The Guide

SMS-and email-based OTP verification has long been a standard for transaction authentication, but these methods are now frequently compromised through phishing, SIM-swap attacks, and malware.

Download the e-guide to understand:

Why does OTP alone not authenticate the device, the identity, or the user’s intentWhy does OTP alone not authenticate the device, the identity, or the user’s intent

Learn what the CBUAE Consumer Protection Regulation requires: strong authentication + real-time fraud monitoring + enhanced customer controls.Learn what the CBUAE Consumer Protection Regulation requires: strong authentication + real-time fraud monitoring + enhanced customer controls.

Identify the current authentication and session integrity weaknesses across UAE banking systems.Identify the current authentication and session integrity weaknesses across UAE banking systems.

Explore a four-stage roadmap to meet the March 2026 deadline + build long-term resilience.Explore a four-stage roadmap to meet the March 2026 deadline + build long-term resilience.

See how Group-IB Fraud Protection + BioConfirm map to modern authentication and fraud risk controls.See how Group-IB Fraud Protection + BioConfirm map to modern authentication and fraud risk controls.

The shift away from OTP authentication is more than a compliance mandate; it is an effective leeway for UAE banks to modernize authentication, strengthen customer trust, and reduce fraud losses through an intelligence-driven, real-time defense strategy and action.
Group-IB META Team

Begin your transition with Group-IB

The guide recommends advanced, integrated solutions like Group-IB Fraud Protection and BioConfirm to achieve both compliance and long-term resilience.

Group-IB Fraud Protection

Delivers constant end-to-end visibility across web and mobile environments through continuous analysis of:

device behaviourdevice behaviour

session anomaliessession anomalies

geolocation signalsgeolocation signals

payment patternspayment patterns

user behaviour (behavioural biometrics)user behaviour (behavioural biometrics)

Group-IB BioConfirm

One of the strongest modern authentication solutions, enabling:

one-tap Face/Fingerprint consent on a trusted deviceone-tap Face/Fingerprint consent on a trusted device

cryptographic tokens fraudsters can’t see/spoof/interceptcryptographic tokens fraudsters can’t see/spoof/intercept

phishing/SIM-swap/emulator resistance by designphishing/SIM-swap/emulator resistance by design

seamless integration with risk engines seamless integration with risk engines

Prepare for March 31st, 2026 — and beyond

Group-IB partners with Licensed Financial Institutions (LFIs) throughout this journey. Discover how Group-IB’s integrated fraud defense platform enables you to meet CBUAE requirements while building comprehensive protection that evolves with emerging threats.

If you wish to seek expert assistance, reach out to us here.