Open Finance.
Without the heavy lifting.
The UAE’s Open Finance mandate changes what every bank must share — and what every fintech can build. Shukria is the platform on both sides of that exchange.
Open Finance has two sides.
Shukria runs both.
The CBUAE mandate isn’t one product — it’s an exchange between two participants. Whichever side you’re building from, Shukria is the layer underneath.
Banks & LFIs
Required to expose permissioned account, transaction and product data through standardised, consent-gated APIs. Shukria handles the heavy lifting — your core systems stay as they are.
See the platform →
Banks & LFIs
Required to expose permissioned account, transaction and product data through standardised, consent-gated APIs. Shukria handles the heavy lifting — your core systems stay as they are.
See the platform →
One platform, three outcomes.
Enable
Banks & LFIs get Open Finance-ready — regulatory, technical, consent, certification — without building the stack from scratch.
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Build
TPPs & fintechs consume consented data through Shukria to launch new, tailored financial products faster.
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Benefit
Customers get one connected, consent-controlled view of their financial life — subject to what they permit and what the ecosystem supports.
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Every LFI has a deadline.
Shukria has the path.
Data sharing and payment initiation capabilities are required across Individuals, SMEs and Corporates.
Compliance required by September 2026
Card costs scale. Ours caps.
Payments move straight from the customer’s bank account — no interchange, no card scheme fees. Because the fee is capped per transaction, the saving grows with the ticket.
Capped
Our per-transaction fee stops climbing, however large the payment gets.
Zero
Our per-transaction fee stops climbing, however large the payment gets.
No app
Our per-transaction fee stops climbing, however large the payment gets.
What Open Finance actually unlocks.
One consolidated view
Accounts, cards, loans and other products brought into a single experience — subject to consent and ecosystem availability.
Credit built on consented data
From Day 1 registration to a Day 90 pre-approved credit pot — no paperwork, no manual approvals.
Personalised, without the paperwork
Consented banking data turns into pre-approved, personalised loan offers automatically.
Whichever side of the rail you're on.
Start with a gap analysis
We’ll map where you stand against the CBUAE framework and hand you a phased roadmap to the September 2026 deadline.
Explore the platform
See how consent, aggregation, data sharing and payment initiation come together on Shukria.