API Banking | Application Programming Interface Banking

What is API Banking

API banking refers to a set of protocols that makes a bank’s services available to other third-party companies via APIs.
APIs provide better means to share data, integrate with systems, personalise services and make financial services quick and efficient.

Tap into new opportunities

Enable greater automation

Enjoy higher efficiency

Build products with better user experience and connectivity

How can our APIs transform your business?

At Emirates NBD, we grant secure access to our financial services to third-party platforms, helping companies build products around banking services.
Essentially, the core of our banking operation remains the same, but the experience is heightened.

Convenience in managing finances

With traditional business banking relationships, you might find yourself having to log on and off bank websites and bank payment systems to help you manage your business money.

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Drive innovation

As a business owner, you need to be able to focus on how to build and scale your business, not on your banking.

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Real-time Banking

If your goal is to run a technologically advanced business, you’re going to want to be able to have a banking partner who can move at your speed.

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Account Services

Payment Services

Trade Services

Information Services

Collections-Virtual Accounts

Real - time Notifications

API Security Controls

As with all other offerings, our API Banking protocols also meet the highest standards of security to give you complete peace of mind. These include:

Transport Layer Security

API calls are made over HTTPS using Transport Layer Security (mTLS 1.2).

Authentication

As an API client, you must present a client specific key, secret and a certificate as per industry standard OAuth 2.0 protocol.

JWT Token

API calls carry a valid JWT token (JSON Web Token), digitally signed by a known token issuer. JWT token must be valid and provide the identity of the user/system consuming the API.

Authorisation

API clients need to be onboarded to the API Banking engine to utilise APIs with proper access permission to the bank and other resources. other resources.

Message Layer Security

The API request parameters and payload must be digitally signed using a secure, client-specific private key.

Want to understand how API Banking works?

Watch this video where we’ve demonstrated how APIs help you deal with real-life scenarios in your day-to-day business.

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