إرشادات واجهات البرمجة المصرفية المفتوحة

SAMA has published detailed technical guidelines for implementing open banking APIs across Saudi financial institutions.

Implementation Timeline

• Phase 1: Account information APIs (Q1 2025)
• Phase 2: Payment initiation APIs (Q3 2025)
• Phase 3: Advanced services (Q1 2026)

The guidelines cover authentication, encryption, consent management, and data access protocols.