ABU DHABI (ALETIHAD)
Abu Dhabi Islamic Bank (ADIB) has enhanced its digital onboarding capabilities for home finance and card journeys, enabling customers to receive instant access to a virtual car, and obtain home finance approval in principle through a fully digital, straightforward process with no human intervention.
The bank said the upgraded onboarding journeys are available to both existing and new customers, allowing them to begin their banking or home-buying journey seamlessly, anytime and anywhere.
By leveraging advanced digital capabilities, ADIB has reduced onboarding timelines from days to minutes, enabling eligible customers to secure in-principle home finance approval or gain instant access to ADIB cards through a fully digital process.
As part of the enhancement, the bank has eliminated the need for physical paperwork or branch visits, enabling secure end-to-end digital onboarding that accelerates decision-making and enhances convenience.
Following biometric verification, customers can immediately apply for and use their digital card for transactions while awaiting delivery of the physical card. Homebuyers can obtain an instant estimate of how much they could finance, providing a verified assessment of their financing capacity before committing to a property purchase.
Amit Malhotra, Global Head of Retail Banking at ADIB, said the launch represents a shift toward more convenient, customer-centric banking.
“By leveraging advanced digital technology and AI-enabled identity verification, ADIB has reduced a process that once took weeks into a seamless three-minute journey, delivering faster and more convenient access to banking services,” he said, adding that the bank will continue investing in digital capabilities as part of its Vision 2035 strategy.
The bank said the enhancements reflect its commitment to simplifying banking through faster and more transparent experiences, with the goal of offering fully digitised end-to-end customer journeys.