UBX, the fintech subsidiary of Union Bank of the Philippines, is strengthening its suite of services to power large-scale digital transformation across the enterprise and public sectors. With a renewed focus on high-impact, customized solutions, UBX is positioning itself as a strategic partner for major organizations navigating the complexities of digitalization.

Backed by the combined expertise of UnionBank—one of the country’s leading universal banks—and Japan’s SBI Holdings, a pioneer in internet-based financial services, UBX offers a unique blend of local insight and global innovation.

“With our intensified focus on enterprises, UBX is uniquely positioned to leverage the strengths and experience of UnionBank and SBI Holdings. This gives us unparalleled expertise in the fintech landscape to serve leading organizations in the Philippines,” said John Januszczak, UBX President and CEO.

Unlike typical fintech providers, UBX goes beyond technology deployment by collaborating closely with clients to craft tailored digital transformation roadmaps. These include technology integration, service management, change support, and access to expert talent—ensuring seamless execution and long-term value.

UBX also plays an active role in modernizing government operations, partnering with public agencies to streamline systems and improve service delivery through technology.

UnionBank President and CEO Ana Aboitiz-Delgado emphasized UBX’s evolving role: “The mission ahead is for UBX to evolve into a next-gen fintech and technology company—becoming the preferred partner for digital transformation in the country.”

As part of the Aboitiz Group, UBX is also creating synergies across the conglomerate’s various businesses. “UBX is strengthening its role within the Aboitiz Group, delivering strategic digital solutions across industries,” said Jose Emmanuel “Toto” Hilado, AEV Group Chief Financial Officer and newly appointed Chairman of UBX.

UBX’s portfolio includes end-to-end digital transformation services, as well as fintech solutions in payments, lending, and banking-as-a-service—helping organizations adapt, scale, and thrive in an increasingly digital world.