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Union.digital

by Union Financial Technologies · Since 2014
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ActiveAvailable globally
Quick facts
VendorUnion Financial Technologies
Year launched2014
StatusActive
LocationTelliskivi 60/2, building I, entrance A, Tallinn, Estonia
Countries servedGlobal
Languages5
Integrations17+
Free tier
Free trial
Contact salesYES

About Union.digital

Union.digital is a digital financial services platform from Union Financial Technologies that supports banking, lending, and credit union functions. It provides multichannel digital banking, automated scoring, disbursement, collection, and accounting services, along with CU-specific features and 360-degree member views, so users can manage their financial operations effectively. With backing from regulatory authorities and positive client references, Union.digital ensures a reliable banking use. The platform is designed to be easy to operate for both clients and financial institutions, simplifying various financial processes. Key capabilities: banking lending credit unions automated scoring member views Best for: financial institutions that need comprehensive digital banking solutions.

Union.digital is a cloud-native digital financial services platform designed for financial institutions, fintechs, and retailers aiming to deliver next-generation banking and financial solutions efficiently. By integrating core banking, decision engines, and client engagement tools into a single ecosystem, Union.digital empowers organizations to operate in real-time, automate workflows, and deliver seamless financial services across multiple channels. Its modular architecture allows institutions to customize products and processes, launch them rapidly, and scale economically while maintaining regulatory compliance. The decision engine leverages advanced analytics, internal and third-party data, and scoring models to ensure accurate client onboarding, KYC, KYB, and lending decisions. Union.digital enhances customer interactions through online portals, POS solutions, and self-service tools that integrate with core banking and decision engines for process automation. The platform supports a wide range of financial operations including credit scoring, loan automation, payments processing, FX and market trading, retail lending, and Banking-as-a-Service models. Its secure, reliable, and API-enabled infrastructure minimizes operational risks, reduces costs, and accelerates time-to-market. Trusted by banks, credit unions, and fintechs globally, Union.

Pros & Cons

What users like
  • +Cloud-native and fully API-enabled, allowing highly flexible deployment options.
  • +Modular architecture supports scalable, configurable, and fully customized banking solutions.
  • +Automates KYC, KYB, lending, and payment processing efficiently.
  • +Enhances customer engagement by offering seamless multichannel access experiences.
  • +Reduces operational costs while accelerating product launches and time-to-market.
What users flag
  • Initial implementation complexity can challenge smaller banking institutions and teams.
  • Advanced analytics functionality may require dedicated personnel with specialized data expertise.
  • Custom development efforts can increase overall deployment timelines significantly.
  • Continuous platform updates may require ongoing staff training and adaptation.
  • Integration with legacy systems often requires additional configuration or customization.

Features

Key features

Core Banking – Modular solution supporting customizable banking products and processes for efficient, scalable operations.
Decision Engine – Advanced analytics and scoring for accurate client onboarding, KYC, KYB, and lending decisions.
Client Engagement – Online, POS, and custom solutions enabling clients to self-service and interact seamlessly.
Credit Scoring – Uses scorecards and rich datasets to automate and improve lending decision accuracy.
Loan Automation – Automates decisioning, disbursement, collection, and reporting for lending operations.
Payments Processing – Supports real-time IBAN issuance, AML-compliant payment processing, and API-ready payment rails.
Banking-as-a-Service – Multi-tenant infrastructure enabling reliable and extendable banking services for third parties.

Additional features

Core Banking Transformation – Migrate to a cloud-native, API-enabled platform for real-time banking.
Client Onboarding Automation – Automates account opening, KYC, KYB, and CTF compliance checks.
Custom Development – Tailor solutions for unique business requirements and integrate with existing systems.
FinTech Consulting – Expert guidance for implementing digital financial solutions effectively.
FX and Market Operations – 24/7 trading, risk management, and support for fixed income and FX assets.
Retail and eCommerce Integration – Embed loan products and reward schemes to enhance sales and loyalty.
AML Compliance Tools – Supports anti-money laundering compliance across all financial services.
Multichannel Access – Online, mobile, POS, and integrated banking channels for client interaction.
Decision Engine Analytics – Leverages internal and third-party data for scoring and actionable insights.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
5
Interface languages
10
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalian

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇨🇭CHF🇨🇳CNY🇮🇳INR🇷🇺RUB

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