We’re here to close the gap between legacy banking systems and today’s digital demands. Whether you’re launching a digital-first product or expanding existing services, UNIFOS gives you the tools to deliver seamless retail banking: a digital bank in your own brand, or UNIFOS Super SDK modules inside the app you already have.
Unified Financial Operating System for Banks
UNIFOS is a Banking as a Service (BaaS) platform designed to help banks and fintechs deliver full-scale digital banking: secure, compliant and feature-rich products and services, launched faster and more efficiently than ever before.
Microfinance banks and fintechs launch a complete Standalone App in their own brand, on BALANCE core banking. Commercial banks add Super SDK modules to the app they already run, connected to their own core. Either way, every product is plug and play, live in weeks on a revenue share, and run from one Partner portal.
Two Ways to Launch, One Engine Underneath
Pick the way that fits your bank. Both run on the same platform, the same products and the same Partner portal.
Standalone App · Microfinance banks and fintechs
Your own bank, in your brand
Mobile app and online banking in your name, with BALANCE core banking underneath. Front end and back end arrive together.
- Your logo, colours and font, light and dark modes
- Accounts, cards, loans, merchants and agents
- KYC in the app, with the Verifyed soft token
- Your own home screen and navigation
Super SDK · Commercial banks
Our modules, inside your app
One integration inside the app your customers already use. You place the entry points. A tap opens the module, and one tap brings the customer back to your app.
- Your login, your brand, your home screen
- Pick the modules, go live fast
- IMS, our Institution Management System on your premises, connects your core
- New accounts on your core or BALANCE
15
languages in the app, Hausa, Yorùbá, Igbo and Pidgin among them
In-country
customer data and payment rails, in every market
Weeks
from signing to live products, not years
Low
cost up front: we earn through a revenue share
One Family of Products
Each product does one job well. Switch on the ones you need. ScanPay lets customers pay any merchant by QR, and Guida, your in-app assistant, answers questions on your products and manages support tickets through to resolution.
BALANCEDigital Banking
AcceptoMerchant Acceptance
InstacardVirtual & Universal CardsceAI Credit Exchange
FunduAgency Banking
VerifyedKYC & Soft TokenRewaLoyalty Management
SonarFraud & Risk Management
Partner portal
One unified view for your teams
Core banking, cards, lending, acquiring, rewards, fraud and KYC sit side by side. Your teams work in one place. Every change is protected by maker and checker approvals, and every decision submitted in the portal is signed with the UNIFOS portal PIN.
- Look and feel, with a live preview
- Modules, products and pricing
- Card programmes and the lending desk
- Fraud and reward rules
- Dashboards, reports and reconciliation
- Maker-checker and a portal PIN signature on every change
Why UNIFOS?
UNIFOS enables banks and fintechs to offer a full spectrum of retail products and services with a better customer experience, more cross-selling and leaner operations that cut costs. Commercial banks add the UNIFOS Super SDK to the app they already have, without building a front end. Microfinance banks and fintechs launch a complete app in their own brand.
One Engine
Under Every Bank
The Rails
We Run On
UNIFOS connects to the payment networks your customers already trust. Transfers, card payments and merchant payments run on familiar rails.
Frequently Asked Questions
The Unified Financial Operating System: one platform that runs a bank’s digital business, from core banking, cards and payments to lending, agency banking, identity, fraud and rewards. Your teams manage all of it from one Partner portal.
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.