Meet your regulator’s authentication and app-security requirements.
These mappings apply to any institution supervised by these regulators: banks, exchange houses, payment providers, microfinance institutions and fintechs.
Most banking regulators across the Gulf and South Asia converge on the same small set of expectations. They want strong customer authentication on every digital channel, and they increasingly want a second factor that cannot be intercepted — which is what has put SMS one-time codes under pressure. They want the mobile application itself hardened, not just the login. They want customer data held where they can reach it. And where an automated or AI agent speaks to a customer, they want the interaction governed, disclosed and auditable.
Fortanixor maps each of its three products to each regulator’s controls, so a compliance team can see which requirement a given capability answers rather than inferring it from a datasheet. The mappings below are a starting point for that review.
They are written per market, because the frameworks differ in wording, in how prescriptive they are, and in what they say about where data may live.
Mappings by regulator
United Arab Emirates
CBUAE Consumer Protection Standards (Circular 8/2020)
View control mapping →Turkey
Regulation on Banks' Information Systems and Electronic Banking Services (2020)
View control mapping →Common requirements
Strong customer authentication
Every regulator here expects more than a password on a digital channel, and expects the second factor to resist interception.
How we address it →Replacing SMS OTP
SIM swap and interception have made one-time codes over SMS the weakest widely deployed factor. Device-bound passkeys remove the shared secret entirely.
How we address it →Mobile app hardening
Device binding, attestation, secure storage and screen-capture protection on the customer's own handset.
How we address it →Data residency and on-prem deployment
Customer and authentication data held where the regulator requires it: on-premise, in-region cloud, or hybrid.
How we address it →AI governance and disclosure
Where an AI agent handles a customer interaction, callers are told, actions are logged, and a person is always reachable.
How we address it →Request the control mapping for your regulator
We will walk your team through the mapping for your market and where each control is answered in the product.
These mappings are provided for guidance. They must be validated by your own compliance function against the current version of each framework before being relied on.