UnionBank of the Philippines is redefining payroll account opening with the launch of Zero-Touch Onboarding, the country’s first fully digital payroll onboarding solution that requires no manual intervention—putting speed, efficiency, and businesses first.
Traditionally burdened by paperwork, long processing times, and heavy administrative work, payroll onboarding has long challenged HR and operations teams. Zero-Touch Onboarding eliminates these pain points by digitizing the entire process end to end. Built on UnionBank’s award-winning Business Banking platform, The Portal, the solution cuts onboarding time from up to two weeks to less than 24 hours, allowing employees to receive salary crediting as early as the next day after completing their account opening.
“Zero-Touch Onboarding reimagines one of the most time-consuming parts of HR operations,” said Erika Denise Dizon-Go, Senior Vice President and Deputy Head of UnionBank’s Transaction Banking Center. “It gives companies back valuable time while delivering a seamless banking experience for employees.”
Through the platform, employees simply scan a QR code generated via The Portal and complete the account opening process in minutes using the UnionBank Online app—no forms, no follow-ups, and no delays. Verification, approval, and activation are handled entirely by UnionBank, while HR teams gain instant visibility of account details without processing individual documents.
The new solution builds on UnionBank’s earlier innovation, eDAO (ePaycard Digital Account Opening), launched in 2021 as the country’s first digital payroll onboarding option. Zero-Touch Onboarding takes this a step further by delivering a truly hands-free experience for organizations.
Backed by multiple global recognitions—including being named Digital Bank of the Year six times—UnionBank continues to push NextGen Banking forward. With Zero-Touch Onboarding, the bank reinforces its vision of a frictionless, intelligent corporate banking experience where automation removes complexity and innovation drives growth.
