Digital Banking - Unisys
Project Background
Unisys, with 40+ years of expertise in core banking applications, came up with an initiative in 2023 called UniBank CAH, a white-labeled, AI-driven digital banking solution that empowers banks to configure their own digital services and deploy them on web and mobile (iOS & Android).
Key Features for Bank Customers
Secure Digital Banking Access
AI-Powered Financial Assistant
AI-Powered Financial Assistant
Login via biometrics, multi-factor authentication.
AI-Powered Financial Assistant
AI-Powered Financial Assistant
AI-Powered Financial Assistant
Smart recommendations, budgeting insights, and personalised financial planning.
Intelligent Transactions
AI-Powered Financial Assistant
Conversational Banking (AI Chatbots & Secure Messaging)
AI-based fraud detection, automatic bill payments, investment suggestions.
Conversational Banking (AI Chatbots & Secure Messaging)
Conversational Banking (AI Chatbots & Secure Messaging)
Conversational Banking (AI Chatbots & Secure Messaging)
AI-powered 24/7 customer support.
Smart Investments & Credit Scoring
Conversational Banking (AI Chatbots & Secure Messaging)
Smart Investments & Credit Scoring
AI-driven loan approvals, credit risk assessment, real-time investment recommendations.
Key Features for Banks
Feature Customization & Rollout
Feature Customization & Rollout
Feature Customization & Rollout
Banks can choose and configure features they want.
Marketing & Campaign Management
Feature Customization & Rollout
Feature Customization & Rollout
AI-optimized customer targeting for offers.
Risk & Fraud Prevention
Feature Customization & Rollout
AI-Driven KYC & Customer Insights
AI anomaly detection and compliance monitoring.
AI-Driven KYC & Customer Insights
AI-Driven KYC & Customer Insights
AI-Driven KYC & Customer Insights
Auto-verification, fraud prevention, and data intelligence.
Dashboard & Analytics
AI-Driven KYC & Customer Insights
Dashboard & Analytics
Real-time insights on customer engagement & transactions.
Why UniBank CAH Was Needed ? – Business Problems We Solved
Prior to CAH, banks using our legacy digital platforms faced multiple challenges:
- UI & Experience Challenges:
- Fragmented digital banking experience with inconsistent UI
- No omnichannel personalization or tailored journeys
- Operational Inefficiencies:
- Manual admin tasks and onboarding workflows (e.g., KYC)
- Difficulties managing campaigns, promotions, and branding at scale
- Fraud & Risk Visibility:
- Legacy systems lacked fraud intelligence and risk scoring
- No centralized visibility across transactions and modules
- Technology & Data Gaps:
- Rigid architecture limiting scalability
- Data silos between services and lack of integration
Client and market research revealed a clear need for a modernized, scalable, and intelligent administrative system that empowers banks to manage user experiences and backend governance seamlessly.
Design Direction
- Focus on a dual-track experience: delight end-users with intuitive, self-service digital banking while empowering banks with robust configuration and governance tools
- Craft adaptable, brand-consistent experiences by enabling tenant-specific UI personalization, theming, and journey-level UX tuning
- Deliver frictionless user flows across onboarding, transactions, loan management, and support with a focus on clarity, trust, and ease of use
- Embed explainable AI into the experience to power intelligent recommendations, contextual personalization, fraud awareness, and behavior-driven engagement
- Prioritize accessibility and inclusive design from the outset to ensure equitable and compliant digital experiences for all users
Impact & Business Outcomes
