Data Protection and Privacy Laws in MENA for Fintech
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Data Protection and Privacy Laws in MENA for Fintech

Analyst: Arabia Markets Research
Published: December 26, 2025

Data protection regulations are rapidly evolving across the MENA region. For fintech companies handling sensitive financial data, understanding and complying with these frameworks is essential to avoid penalties and maintain customer trust.

UAE Data Protection

The UAE's Federal Data Protection Law establishes comprehensive requirements for personal data processing. Financial institutions face additional sector-specific requirements from the CBUAE, DFSA, and FSRA regarding customer data handling.

Saudi Arabia's PDPL

Saudi Arabia's Personal Data Protection Law imposes strict requirements on data processing, cross-border transfers, and consent management. Fintech companies operating in Saudi Arabia must ensure their data practices align with PDPL requirements.

DIFC and ADGM Data Frameworks

Both the DIFC and ADGM have their own data protection regulations, modeled on the GDPR. These frameworks apply to entities operating within these free zones and govern how customer data can be collected, processed, and transferred.

Cross-Border Data Transfers

Transferring financial data across MENA borders requires careful navigation. Different jurisdictions have varying requirements around data localization, adequacy assessments, and transfer mechanisms.

Practical Compliance

We help fintech companies build data protection frameworks that satisfy multiple MENA jurisdictions simultaneously. This includes privacy impact assessments, data processing agreements, and compliance monitoring programs.

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