Unified Financial Operating System for Banks
Two ways to launch a digital bank
Every bank we meet wants more products in its customers’ hands, sooner.
UNIFOS offers two routes, on one engine. The right one depends on what you already have.
Standalone App: a complete bank in your brand
The Standalone App is built for microfinance banks and fintechs. You get a mobile app and online banking in your brand, with BALANCE core banking, cards, payments, KYC, and agent and merchant tools behind them. The Partner portal runs it all.
The app has its own home and its own navigation: Accounts, Instacard, ScanPay, Transfers and Bills. It is plug and play, and live in weeks.
Super SDK: new products inside your own app
The Super SDK is built for commercial banks that already have customers, a core and an app. UNIFOS modules open inside that app, behind your login and in your brand.
You place the entry points on your home screen. A tap opens the module, already signed in, and one tap brings the customer back to your app.
IMS, our Institution Management System, sits on premises in your own environment and connects your core banking. New accounts open on your core or on BALANCE, side by side.
What both routes share
- One engine underneath: core banking, cards, payments, identity, fraud, rewards and reconciliation.
- Your colours, font and logo, set on the Partner portal with a live preview in light and dark modes.
- No change goes live without a second approval.
- An app in 15 languages, Hausa, Yorùbá, Igbo and Pidgin among them.
- Data and payment rails in your country, and pricing on a revenue share.
How to choose
Need the whole bank? Start with the Standalone App. Have the app and the customers but not every product? Start with the Super SDK.
Switch on a few modules first. Add the rest when you are ready, on the same integration.
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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.
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.
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.
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.