Bank licensing · Regulatory layer

Regulatory Framework for Digital Banks

Describes the digital-bank licensing perimeter, business model, capital, governance, technology, risk, localisation and supervision.

Material typeCBO regulatory framework

Legal branchBank licensing

Legal layerRegulatory layer

Source languageOfficial CBO English material

Review dateSeptember 13, 2026

Document overview

Describes the digital-bank licensing perimeter, business model, capital, governance, technology, risk, localisation and supervision.

Scope and exclusions

Applies to

Applies to applicants proposing to provide banking products and services digitally as a licensed bank in Oman.

Limitations and exclusions

A fintech, PSP, wallet, BNPL or technology provider is not automatically a digital bank; each function must be classified separately.

Official source

CBO Digital Banks Framework · updated for Banking Law 2/2025 · Central Bank of Oman

September 13, 2026

Open official source ↗

This editorial overview explains the instrument's subject and scope but does not replace the authoritative Arabic text or the current consolidated version.

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