In a country where seven out of ten Filipinos still prefer cash, digital banking in the Philippines isn’t just about technology—it’s about trust.
At a recent UNO Digital Bank media roundtable, one clear message stood out: trust is the new driver of financial growth.
A Different Kind of Competition
The rise of digital banks has made financial access easier than ever. But for most Filipinos, access doesn’t always equal confidence. Many still hesitate to take their first loan or open a digital bank account because they’re unsure whom to trust.
That’s why UNO exists.
We built a bank that doesn’t compete on promos or flash—it competes on reliability, transparency, and proof.
“We don’t want to compete on flash. We want to compete on trust,” said Manish Bhai, UNO Digital Bank’s Co-Founder, President, and CEO.
Proof, Not Promises
Over 4 million Filipinos now bank with UNO. 15% opened their first-ever bank account with us. Another 15% took their first formal loan.
To date, we’ve disbursed ₱8 billion in loans and aim to reach ₱30 billion by 2026—not by chasing risky growth, but by building sustainable lending powered by data and responsible underwriting.
UNO also provides free insurance coverage to more than 50,000 depositors because trust isn’t just earned—it’s protected.
Profitability with a Plan
Globally, digital banks take around seven years to turn a profit. UNO plans to do it in four.
By the first half of 2026, UNO expects to break even—driven by strong loan growth, operational discipline, and a focus on long-term value creation.
Our next phase includes a new salary loan product, expanded merchant partnerships, and smarter financial tools that meet customers wherever they are.
Security Is the Strategy
Trust starts with safety. That’s why we’ve built UNO with security embedded in every layer—from the moment a user opens the app to the backend systems that monitor transactions 24/7.
“Technology alone isn’t enough. Customer awareness and protection against deception are paramount,” said Chito Africa, Chief Technology Officer.
UNO’s AI-driven fraud management system, implemented even before new Bangko Sentral ng Pilipinas (BSP) regulations, helps detect unusual activity in real time.
Security isn’t a trade-off against convenience—it’s the foundation that allows both to coexist.
One Interface. One Experience.
UNO was designed to be the single, trusted platform for every financial need—saving, borrowing, paying, investing, and protecting.
We call this our Wealth-in-Progress approach: a system built to help users manage their finances with clarity and control, not confusion.
As we grow, our focus stays the same: build trust, simplify the complex, and deliver results that last.
Because for us, digital banking isn’t about being the flashiest. It’s about being the one you can count on—today, tomorrow, and every step of the way.
Experience banking built on trust. Download the UNO Digital Bank app on the App Store or Google Play and start managing your money the smart, simple, and secure way.
