Why is Lean involved?
Lean connects your
with your bank
Lean enables the apps on your phone to create services that can help you budget, get better rates on loans, transfer money to friends and more, without any hassle.
How do we connect your bank account with your apps?
Modern financial apps provide powerful experiences when connected with payments and data from your bank account. Lean enables a seamless and secure channel to get the most from your finances.
Protected by design
Your financial apps receive your data using the most secure methods and encryptions available. Your financial details are never seen by humans.
Make transfers with confidence
Sending money with Lean reduces the chances of fraud, and relies on the same methods that banks use to transfer money around the world.
You're always in control
When you authorize an app to receive your data, we only transfer the data you explicitly give permission to share. You can also revoke your permissions at any time.
Trusted by regulators
Lean is regulated in the UAE by the Abu Dhabi Global Markets Reglab and rapidly expanding to other regions in the Middle East.
How does it work?
1. Sign up to an financial app
Register to one of the many apps that use Lean today. Make sure you finalize all of the identity verification steps.
2. Connect your bank account
Share real time data or initiate payments without leaving your app. Add your bank account in the way you would add a credit card as a payment method.
3. Allow access to your details
Read what will your application can get access from your bank and press “Allow” to grant permission. These may include data or payment related access.
4. Sign in to your bank account
Sign in with the credentials used for online banking. Depending on your bank, you may be asked to enter a One Time Password or answer security questions. You also may receive log in alerts confirming this.
5. Get data or make payments
Upon your consent, banks will normally share data such as balance, transactions or account details automatically. Payments will require your consent and authentication.
Frequently Asked Questions
What is Lean?
Lean is a company that specialises in sharing data between bank accounts and applications in a secure and safe manner. We utilize the latest technologies to enable connected financial experiences. This gives you as a consumer greater access to financial products. You can learn more about what we do at leantech.me.
Is connecting my account safe?
Your credentials are handled by Lean and are not available or visible to anybody at your connected applications. Your credentials are stored with the latest security and encryption protocols, and the data is never transmitted to any third parties or across international borders. If you wish to remove your credentials, you can send a request to the application you've connected for your details to be removed entirely. Lean is monitored and regulated by the Abu Dhabi Global Markets (ADGM) and Dubai International Finance Centre (DIFC) in the UAE for providing Account Information and Payment Initiation services.
Why do I need to enter my bank login?
Your credentials are used to securely and safely interact with your bank account. Depending on the permissions you grant to your application, we use the credentials you provide to fetch data from your bank account such as: list of your accounts, associated bank balance(s) and/or your transaction history.
Can my apps take money out of my account?
Your connected applications can never initiate a transaction from your account without your permission. Where the functionality is available - payments and transfers are only initiated with your express permission, and cannot be performed without your knowledge, or input.
Can my apps make changes to my account?
No. Your connected applications does not have any ability to modify or change the details in your account. This means they cannot - change your password, update your contact details or any other details related to your account. Where you have given permission, may add additional beneficiaries to your account, enabling transfers between your account and the nominated account. Payments to new beneficiaries will never be initiated without your knowledge or input. A transaction cannot be initiated on your behalf by . Lean simply automates the process to prevent any errors such as inputting an incorrect IBAN, account number, bank details or transferring an incorrect amount.
Can I disconnect my bank account from an app?
Yes, you can revoke the access you give anytime so that any connected accounts are removed entirely. Many applications already have this functionality in addition to their support channels.