Include everyone

UBX is passionate about creating opportunity and access for all by connecting communities and embedding financial services into the activities and experiences that matter.

UBX wants a world where financial services are invisible: seamlessly blended into the experiences and activities that truly matter to businesses and people. We are leveraging the immense power of ecosystems and data to explore new possibilities - making financial services more natural and accessible. We are building and investing in open platforms that allow others to gather together and innovate, adding value whether they collaborate or compete. We positively and materially impact financial inclusion: unlocking the potential of businesses and people.

Mission

Build platforms that bring businesses and people together, provide access to needed technology and services while creating marketplaces that aggregate supply and demand successfully.

Vision

Creating opportunity and access for all by connecting communities and embedding financial services into the activities and experiences that matter.

Our Story

When we talk about financial services today, we still talk about accounts, lines of credit, and cash management services. Banking still distracts and interrupts. Banking still happens out of context. Unionbank, Asia’s top Digital Bank, wanted to go further: UBX was initiated to make banking natural, open and accessible; to positively impact financial inclusivity and business growth through technology. We create exponential opportunity and exponential access through exponential thinking. UBX is Unionbank to the power of x.

We are exploring new, potentially non-banking based, business models:
  • Leveraging difficult to replicate assets and capabilities of the bank;
  • Creating new solutions for constrained markets that can be challenged and disrupted;
  • Collaborating with complementing capabilities.
Our strategic priorities:
  • Ecosystems: The development of financial services through B2B and logistics ecosystems.
  • Investment: Equity in, or lending to, fintech companies with complementing capabilities.
  • Crypto: Innovations in cryptocurrency and tokenized fungible, tradable assets.
  • Innovations Garage: Identifying and experimenting with new technologies and trends.
  • Key Technical Capabilities: Developing and sharing talent in blockchain, AI and other sought after technical skills.