Abu Dhabi - 24 August 2026: First Abu Dhabi Bank (FAB), the UAE’s global bank and one of the world’s largest and safest financial institutions, has launched its first fully automated, paperless personal loan journey, supported by an integration with the Federal Authority for Government Human Resources (FAHR).
The new journey transforms FAB’s traditionally manual personal loan application process into an end-to-end digital experience for eligible customers within the FAHR-integrated employer network. Through a secure digital link with FAHR’s central HR system, the journey enables real-time salary validation and automated data entry, reducing the need for customers to manually collect, scan, print or submit traditional salary certificates and salary transfer letters.
The launch marks an important step in FAB’s digital lending transformation, moving personal loan applications from manual processing towards a more automated, paperless and customer-friendly experience. By integrating verified employment and salary information directly into the application journey, FAB is helping reduce administrative steps, improve data accuracy and support faster processing.
Eligible customers can complete the application in a few simple steps, with the system securely retrieving up-to-date employment and salary information to support FAB’s credit evaluation process. The journey is designed to reduce friction for customers and employers by limiting the need for physical documentation or manual HR intervention.
The launch reflects FAB’s continued investment in digital banking capabilities that simplify customer journeys and deliver more efficient, secure and accessible financial services. It also reinforces FAB’s focus on working with strategic partners to support the UAE’s wider digital transformation agenda.