UBL chooses Temenos and Systems Limited to scale its Digital Banking. Skip to main content

UBL chooses Temenos and Systems Limited to scale its Digital Banking Strategy across channels

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July 01, 2021

digital banking 

UBL, Pakistan's rapidly advancing digital bank, has partnered with Temenos (SIX: TEMN) and Systems Limited to establish a cutting-edge digital banking solution. Known for pioneering innovation, UBL introduced Pakistan's first Islamic Digital Account and 'UBL Pay', turning phones into debit cards. This collaboration marks a transformative digital journey across all segments, including retail, SME, and corporate, in domestic and global markets. 

Anticipating remarkable results, the bank envisions amplifying its digital presence, offering a contemporary online banking platform with a seamless customer journey. This covers everything from onboarding and deposits to loan origination and digital service. 

Temenos Infinity leads in customer acquisition and digital engagement, powered by its scalable platform, advanced analytics, and AI scoring models. This empowers banks to boost digital revenue and significantly expedite customer onboarding. With a microservices architecture, Temenos Infinity stands out as a cloud-native product, ensuring utmost openness and agility, and enabling banks to continuously enhance their solutions throughout the customer lifecycle. 


UBL is leading the way in digital banking, and we are proud to support the bank in the next phase of its digital journey. With Temenos Infinity, UBL can take customer experience to the next level, delivering digital experiences that delight customers and make banking better across every channel. Temenos Infinity is the world’s best-selling digital banking platform and our selection, together with Systems Limited, reflects our market leadership but also our success working with banks in Pakistan to deliver a rapid implementation and time-to-value.

Core Banking System

Jean-Paul Mergeai

President for APAC and MEA, Temenos

We look forward to this collaboration which will allow UBL to make incredible leaps forward in its Digital Banking transformation and customer experiences across various segments. The Temenos Infinity platform and Systems Limited expertise will provide the bank new capabilities and a great platform for future innovation.

Core Banking System


Global Industries GM Banking and Financial Services, Systems Limited

Customer centricity is at the heart of everything we do. This partnership with Temenos and Systems Limited is a great catalyst in our digital transformation journey. We are very excited to make this a part of our strategic objective of becoming more agile and tailor our platform to better serve the rapidly changing needs of our customers.

Core Banking System

Mr. Shazad G Dada

President & Chief Executive Officer United Bank Limited

About United Bank Limited (UBL) 

United Bank Limited is a Pakistani multinational commercial bank which is a subsidiary of British company Bestway Group. It is one of the largest banks in the Pakistani private sector, with over 1,400 branches across Pakistan, 19 branches overseas, and a customer base exceeding 4 million. 
The bank has an asset base in excess of $15 billion, a global workforce of almost 13,000 people, and a diversified client base covering a broad spectrum of segments and industries across the globe. UBL provides services in wholesale and retail banking through its network of branches and presence across 12 countries in four continents including the UAE, Bahrain, Qatar, Yemen, UK, Switzerland, China, Oman, US, Tanzania, Iran, and Pakistan. 

About Temenos 

Temenos AG (SIX: TEMN)is the world’s leader in banking software. Over 3,000 banks across the globe, including 41 of the top 50 banks, rely on Temenos to process both the daily transactions and client interactions of more than 1.2 billion banking customers. Temenos offers cloud-native, cloud-agnostic and AI-driven front office, core banking, payments and fund administration software enabling banks to deliver frictionless, omnichannel customer experiences and gain operational excellence. 
Temenos software is proven to enable its top-performing clients to achieve cost-income ratios of 26.8% half the industry average and returns on equity of 29%, three times the industry average. These clients also invest 51% of their IT budget on growth and innovation versus maintenance, which is double the industry average, proving the banks’ IT investment is adding tangible value to their business. 

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