UBX - Digital Transformation Services and Open Finance

What we do

We'll help you digitally transform your business

Your digital transformation journey should not be hard nor expensive.

Get started, transform faster

Designing, developing and launching new features is fast and easy with our team of experts and engineers. Our leaders ensure a one-stop, financially viable digital transformation for your business.

Elevate experiences, monetize easily

Our open and embedded payment, credit, and banking services, coupled with regulatory technology expertise and banking standard-compliant solutions, make your enterprise 100% digitally enabled.

Widen your reach and enter new markets

Our white-label solutions and the widest networks can help you quickly integrate online & offline experiences, enabling multi-channel distribution and service channels.

About us

We develop solutions that build stronger businesses.

UBX is a premier technology company delivering digital transformation for enterprises and the government, with embedded finance as its core accelerator. We are differentiated by comprehensive local financial expertise and global fintech capabilities through our affiliation with UnionBank of the Philippines and SBI Holdings of Japan. UBX operates as an Fintech Platform, empowering over 250,000 businesses with embedded financial solutions. Through strategic digital transformation services, we help enterprises, and government entities adopt technology, optimize operations, and unlock new growth opportunities. From consultancy and managed services to embedded fintech solutions, UBX continues to pave the way for businesses to thrive in a digitally connected world.

Case Studies

Digitizing businesses across the Philippines

Real enterprises. Real results.

UBX Enhanced Savings and Loan Association's Operations through Digitization

UBX transformed a savings and loan association's operations by digitizing their processes and access. Members can now transact without having to go to a physical branch.

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Digitized a Top Grocery Distributor's Supply Chain

A leading grocery distributor partnered with UBX to create a successful app for sari-sari stores, enabling them to manage digital storefronts, inventory, pricing, and promotions.

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UBX's Unified Loans Platform Simplifies Access to Mobility

UBX developed a unified loans platform to streamline financing for motorcycle riders, offering both agent-assisted and self-service options to significantly reduce decision times.

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Developed the Palarong Pambansa App in Just 1 Month

Through the Palarong Pambansa App 2024, users accessed real-time updates, schedules, and essential information through a single app — built and shipped in one month.

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Streamlined Flash Express' Cash-On-Delivery Payment Collections

By integrating UBX's API into their Flashkit App, Flash Express now has a centralized platform to track and accept COD payments — ending manual cash transfers by riders.

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Unlocked ₱75M in SME Loans by Powering a Leading Lender's Expansion

UBX provided a streamlined online lending marketplace and versatile payment collection system that helped a leading non-bank financial institution expand its SME market reach nationwide.

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