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Whitebank Digital banking platform

The platform for modern digital banking

Whitebank puts mobile and web banking, an integration and logic engine and a modern core on one platform for banks and financial institutions. Mobile and web banking can go live in 3 to 6 months, and so can core banking.

Built by White Cloak, the team behind UnionBank Online and UnionDigital Bank.

Whitebank mobile app sign-in screen Whitebank mobile app home screen with account balance, quick actions and services

For most banks, going digital is still slow, expensive and risky

Digital banking is no longer optional. Yet the usual routes make you wait years for a new platform, or bet daily operations on replacing everything at once.

  • Years before launch Building a banking app and a core from scratch can take years before the first customer signs in.
  • Big-bang replacements Switching every system over in one go disrupts operations and puts all the risk on a single cutover.
  • Vendor lock-in Every later change depends on one provider.

Whitebank lets you launch the services that matter most first, then add more over time.

How Whitebank fits together

Whitebank is a modular platform in three layers. Launch your priority services quickly, then add capabilities without reworking the whole system.

Your customers Mobile app Web banking
Experience layer Customer-centric frontend
Ready-to-customize mobile and web banking, designed around your brand and your customers.
Integration and logic layer Smart integration and logic engine
APIs and configurable workflows connect your channels to the core and to third-party services.
Core layer Modern, reliable core
A secure foundation for deposits, loans, payments, the general ledger and reporting.
The three layers of Whitebank, from the customer app down to the core.

What Whitebank delivers

All of this is part of the platform. You decide what goes live first.

Whitebank home screen showing a savings account balance and quick actions to send money, request money, pay bills and buy load

Everyday banking on mobile and web

Customers check balances, move money and pay bills in an app that carries your bank's name.

  • Account dashboards and transaction history
  • Fund transfers within your bank and through InstaPay and PESONet
  • Bills payment and QR Ph payments
  • Notifications and alerts

Account opening and onboarding

New customers open an account and get started from their phone, with digital account opening and onboarding built in.

Pre-built accelerators and visual configuration let your team change screens and features quickly, so the app looks and works like your bank.

Whitebank sign-in screen with a password login button and a link to register

Core banking and operations

If you include the core, Whitebank also runs the products, the ledger and the back office behind the app.

  • Products Deposits, loans and credit lines
  • Lending Loan origination and servicing
  • Accounting General ledger
  • Configuration Product configuration and workflow management
  • Operations Branch and back-office operations
  • Reporting Real-time reporting and compliance dashboards

How a Whitebank launch works

You choose where to start. Pick a scope below to see how the work lines up.

Mobile and web banking The customer app and web banking Build and test from month 0, with a typical go-live window between month 3 and month 6.
Core banking If included, built at the same time Build and test from month 0, with a typical go-live window between month 3 and month 6.
Both workstreams run at the same time, so the whole platform can go live sooner than if you built them one after the other. Build and test Typical go-live window
  1. Step 1 See the prototype Walk through the Whitebank prototype with our team and try the customer experience yourself.
  2. Step 2 Choose your starting point Begin with mobile and web banking for your customers, or include core banking from day one.
  3. Step 3 Launch priority services first Go live with the capabilities that matter most to your customers.
  4. Step 4 Expand over time Add products and features as you grow, without reworking the whole system or replacing everything at once.

Security and deployment

Banks hold their customers' money and data, so security is part of how Whitebank is designed and deployed.

  • Security and encryption built in

    Whitebank is cloud-native, with security and encryption as part of the platform.

  • Infrastructure that scales

    The platform runs on scalable cloud infrastructure, so it can grow with your customer base and your product line.

  • Built by an ISO/IEC 27001:2022 certified company

    White Cloak has held ISO/IEC 27001:2022 certification since June 2026. It covers how we design, develop, test, deploy and deliver software.

From the team behind UnionBank Online and UnionDigital Bank

Whitebank is White Cloak's own platform. It draws on nearly a decade of building digital banking for our clients, starting with UnionBank Online in 2017.

UnionBank

UnionBank Online

We have built UnionBank's flagship app since its first version. It was the first bank app in the Philippines with fully digital account opening and mobile check deposit, and it now has more than 10 million downloads.

Client award: UnionBank was named Best Digital Bank in the Philippines at The Asset Triple A Digital Awards from 2018 to 2020.

Read the UnionBank Online story
UnionDigital Bank

UnionDigital Bank

We built the app and website for one of the first fully digital banks in the Philippines. The app has more than 100,000 downloads.

Client award: the UnionDigital Bank app was recognized by The Asian Banker in 2023.

See more of our work
“White Cloak has gone over and beyond to deliver, assist, and support us. Ownership, passion, and magic are core to UnionDigital. We are happy to have a relationship with a company who lives and breathes the same values and culture. With WC, you are guaranteed superior results delivered on time.”
John Philip Posadas Formerly Head of Enterprise Architecture, UnionDigital Bank

Who Whitebank is for

We built Whitebank for bank executives, digital transformation leaders, and operations and IT heads at banks and financial institutions.

  • Launching a digital bank or neobank Get a new digital bank in front of customers in months instead of years.
  • Modernizing a legacy core Move off an older core in stages, one priority at a time.
  • Building new financial products Configure deposit and loan products, then design the customer experience around them.
  • Offering services through APIs Open your banking services to partners on an API-first platform.

Questions banks ask about Whitebank

If yours isn't here, our team will answer it on a call.

Ask a question

No. You can start with Whitebank mobile and web banking for your customers and include core banking when you are ready. The platform is modular, so you launch your priority services first and modernize in stages.

See Whitebank in action.

Book a demo and we'll walk you through the Whitebank prototype, then talk about where your bank could start.

Book a demo Email hello@whitecloak.com

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