Explore expert insights, product updates, market trends and thought leadership from the team driving the future of digital banking in Africa. Stay informed on what’s shaping financial inclusion and scalable innovation.
Unified Financial Operating System for Banks
Ideas, Insights
& Innovation
Explore expert insights
One card in the wallet, any card behind it: the Universal card
One sealed card, activated in the app and linked to an Instacard from the customer’s bank. Customers carry less and use more.
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Credit on the debit card your customer already carries
DTS lets the debit card your customer already carries spend a new credit limit, from the day they are approved.
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A soft token in seconds, set up by the customer
Customers set up their second factor alone, with a selfie. No branch visit, call centre or paper form.
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KYC without a branch: liveness, face match and ID reading
Prove the person is real, is who they say and lives where they say, all inside the app.
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Second factor, not a decline: keep good customers paying
Sonar checks every payment. Compliance rules decline; unusual behaviour on a digital payment asks for the second factor instead.
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Every way to get paid, settled at once
Accepto signs up merchants with KYB and lets them take QR, tap, POS and links, with instant settlement.
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Lend to customers you already know, on your own data
Ace, our AI Credit Exchange, checks every loan against your rules, an AI Checker and the credit bureau, pays out instantly and collects inside your bank.
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Your brand, your rules, your signature
On the Partner portal your teams change the look, modules, products and rules. Nothing goes live without a second approval.
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Your bank at the shop around the corner
Fundu turns trusted neighbourhood shops into counters for your bank: cash, bills, airtime, data and Universal card pick-up.
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Loyalty with a liability you control
Rewa rewards everyday use with points and cashback, on rules your team sets and caps.
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Frequently Asked Questions
The Standalone App suits microfinance banks and fintechs that want a complete bank in their own brand. The Super SDK suits commercial banks that already run an app and want new products inside it.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.