Unfortunately as I'm sure you are aware, the UAE does not have any formal Open Banking standards in place at the moment, and therefore in the absence of such clearly defined parameters, the development of open banking innovation is market-driven. This means that there is no agreed approach to enabling tokenisation via a bank. We are in talks with the appropriate regulatory authorities and pushing for a clear standard to be brought into effect - once this is available, we should be able to redirect a user to their bank for authentication.