Banking-as-a-Service

Rapid changes in regulation, client requirements and competition challenge the BaaS business model.

Union’s Core Banking Platform is a modular SaaS solution that enables real-time automation of onboarding, transactions, reporting, and accounting on a multi-tenant basis.

Increase efficiency, scale effortlessly and compliantly with reliable cloud infrastructure for BaaS providers.

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Core Banking for BaaS

Cloud-native with API ecosystem, easy to launch and adapt.

Multi-tenant architecture and segregation.

Decision engine for real-time onboarding and credit scoring.

Customer records with real-time balances and KYC.

Real-time payment processing and monitoring.

FX and fixed income instrument trading.

Loan management, collections and security.

Current account and deposit management.

Real-time AML monitoring and alerts.

General ledger accounting.

NOSTRO monitoring and management.

Regulatory, financial and activity reporting.

Risk management for liquidity, currency and loan positions.

Document management for clients and enterprise.

White-label internet bank for client self-service.

Multi-channel client messaging.

Configuration of products, processes and roles.

Open architecture and API ecosystem.

Full Product Coverage

Union supports hyper customisation of retail and corporate offers.

Loans

Bonds

Buy Now Pay Later

Charge card

Consumer credit

Hire purchase

Invoice financing

Leasing

Microfinance

Mortgages

Overdrafts

Payday loans

Revolving credit

Short-term loans

Slice

Term loans

Deposits and Current Accounts

Current account

Digital wallet

Escrow account

On-demand deposit

Merchant account

Term deposit

Payments

AML monitoring

API Ecosystem

BACS

Cards

Cash / Branch

CHAPS

Faster Payments

Fedwire

Foreign Exchange

Internal / A2A

SEPA

SWIFT

BaaS Technology Made Easy

Union makes it easy to start, scale and adapt.

Fast Time-to-Market

Ready solutions and integrations allow you to launch quickly and efficiently.

Demonstrate Compliance

Real-time KYC, AML, general ledger and regulatory reporting ensure compliant operations.

High Flexibility

Easy to compose and white label for each client, high scalability with reliable performance.

Reduce Costs

Implement only what you need, reduce admin and costs using automation and cloud technologies.