OM-5.2.2

Conventional bank licensees are allowed to provide cash withdrawal and payment services using various channels, including but not limited to, contactless, cardless, QR code, e-wallets, biometrics (iris recognition, facial recognition, fingerprint, voiceprint, etc.), subject to explicit consent from the customers using established methods described in OM-3.2 and enrolling them through a registration process for each channel and service, wherein customers' acceptance of products/services terms and conditions are documented and customers are properly authenticated. Such enrolment process must allow an opt-out option if the customer does not want to use a channel for which he has enrolled.