01
Document overview
Governs digital customer onboarding, including eligible categories and services, identification and verification through the Mala'a national registry, consent, signing, liveness/biometrics, risk profiling, evidence retention and fraud controls.
02
Scope and exclusions
Applies to
Addresses licensed banks, finance and leasing companies, money exchange establishments, PSPs and Mala'a within the functions identified by the CBO.
Limitations and exclusions
A digital channel does not reduce AML/CFT duties or guarantee account opening; the institution must still assess the customer, source of funds, product, sanctions and risk.
04
Official source
CBO Circular BM 1191 · 6 June 2023 · Central Bank of Oman
September 13, 2026
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