Whitebank

A modern digital banking platform designed to accelerate launch, enable seamless integration, and deliver fully customizable banking experiences—empowering financial institutions to innovate faster and scale with confidence.

Key Features:

End-to-End Digital Banking: Accounts, Payments, Loans, Transfers
Modern Core Banking Engine (Deposits, Lending, General Ledger)
Customizable Frontend with Rapid Deployment
Workflow Automation and Configurable Business Logic
AI-Enabled Customer Experience and Intelligent Support
Secure, Compliant, and Cloud-Native Architecture

Use Cases

Launching digital banks or neobanks in months instead of years
Modernizing legacy core banking systems
Building custom financial products and customer experiences
Enabling scalable, API-driven banking ecosystems

GCash

Scope of Work

End-to-end architecture and engineering delivery for advertising technology and digital lending platforms operating at national scale.

Key Contributions:

Engineered for millions of active users in a high-scale fintech ecosystem
Designed and operated microservices-based architecture for resilience and modular growth
Built systems capable of handling high-volume, real-time financial transactions
Delivered solutions aligned with strict regulatory and security requirements

Why Relevant to Fintech:

Proven experience in mission-critical, high-availability platforms
Expertise in building secure, scalable Super App ecosystems
Strong background in regulated environments with zero tolerance for downtime
Battle-tested engineering discipline suited for healthcare-grade reliability

PSSLAI

Client: PSSLAI

PSSLAI, or the Public Safety Savings and Loan Association, Inc., is the fastest-growing savings and loan association in the Philippines

What We Did:

Designed a responsive website focused on member services, including loans, savings, and financial programs
Structured content to highlight core offerings such as salary, emergency, and housing loans
Enabled access to digital services such as online account access, loan application, and financial tools (e.g., loan calculator)
Supported key member actions such as application inquiries, branch access, and service information
Built scalable content for advisories, announcements, and member updates

Philippine Business Bank – Website

Client: Philippine Business Bank

Philippine Business Bank is a Philippine savings bank that provides financial products and services primarily to small and medium enterprises (SMEs) to support their growth and community development.

Problem	Objective	Solution
The bank faced significant limitations with its existing website, including an outdated design, poor mobile responsiveness, and performance issues, which hindered user experience and limited its ability to effectively deliver modern digital banking services.	If these issues remained unaddressed, the bank risked declining customer engagement, loss of competitiveness against digitally advanced financial institutions, reduced accessibility for mobile users, potential security vulnerabilities, and missed opportunities to attract and retain SME clients through digital channels.	White Cloak redesigned the bank’s website with a modern, responsive UI/UX, prioritizing accessibility and performance. The overhaul featured a custom CMS with structured content types for branches and reports, alongside dynamic, reusable components to ensure brand consistency. Key integrations included SEO tools, Google Analytics, and secure role-based access controls. By developing essential customer-facing features like branch locators and investor relations pages, White Cloak streamlined content management and improved discoverability, delivering a secure, scalable, and user-centric digital experience.

Service	Tech Stack	Methodology
Web app and CMS development	CloudFlare, NextJS, GraphQL, RestAPI, NodeJS, React, AWS, S3, PostgreSQL,	Agile Scrum

Scope of Work

Design
Development
Testing
Deployment
Ongoing maintenance and support

Key Features

Branch locator
Investor relations pages
Governance content
Announcements
Security tips

Results and Achievements

Following the successful delivery of the corporate website and CMS, the partnership between White Cloak and Philippine Business Bank has progressed into a new phase focused on digital banking transformation. White Cloak is currently engaged in developing a mobile and web-based banking application designed to provide customers with convenient access to banking services such as account management, transactions, and real-time financial tools.

The Portal By UnionBank

UnionBank Corporate Banking or more commonly known as the Portal provides business owners with a more efficient way to manage their banking needs. With innovative features such as multi-layer approval, batch processing, and financial report building, this application defines what going digital means in the corporate banking industry.

UnionBank Online

The Pioneering Journey of UnionBank’s Globally Recognized Digital Banking App

When White Cloak won the U:HAC competition hosted by UnionBank in 2016, the UnionBank executives entrusted their UnionBank Online Banking project to White Cloak, who replaced an internationally renowned vendor that specialized in banking apps. The client experienced frustration because, even after nine months, the previous vendor still wasn’t able to deliver a product that’s aligned with their vision.

Facing the challenge of re-doing the entire app, White Cloak Technologies accepted the task. Despite the complexity of UnionBank’s vision, White Cloak completed the Minimum Viable Product (MVP) for the UnionBank Online App in an industry-defying four months, showcasing agility and technical prowess.

This transition marked a turning point, highlighting White Cloak’s ability to meet challenging timelines while delivering exceptional results. The successful completion of the MVP positioned UnionBank on a trajectory of digital innovation and success.

Service	Tech Stack	Methodology	Number of Downloads (as of 4 December 2023)	Average App Rating (as of 4 December 2023)
App development	Native iOS, Native Android, ReactJS, Java Spring	Agile Scrum	Over 10M downloads	4.2 Stars after 112k ratings

Scope of Work

Design
Development
Testing
Deployment
Ongoing feature improvements

Challenges Faced

Problems	Solutions
Incremental migration of existing users	Implemented a two-month coexistence period on Playstore/App Store, prompting users to download the new app during login on the old app and initiating the migration process.
Updating user details/profiles across multiple channels	Established three channels (app, customer hotline, branches), interconnected to a middleware layer directly linked to Finacle, the UB core banking system, allowing customers to update their details seamlessly.
Transition of customers from previous application	Executed a carefully planned transition strategy to ensure a smooth shift for customers, building on the incremental migration approach.
Challenges in translating mobile app branding elements seamlessly in the UX/UI design	Applied meticulous attention to ensure a smooth and coherent translation of mobile app branding elements, maintaining a consistent user experience and interface design.
Delays in API availability from third-party vendors	Implemented an extensive API planning process, documenting requirements, request bodies, parameters, and responses. Shared this document with vendors to enable parallel development, ensuring a seamless connection upon API readiness.

Key Features

MVP Features
- Multi-Factor Authentication (MFA)
- Registration
  - Via Card Number
  - Via Account Number
  - Via Loans Account Number
- Fund Transfer
  - To Own Account
  - To Another UBP Account
  - Via Instapay
  - Via PESONet
- Bills Payment
- Buy Load
- Update Profile
- Dashboard
Post MVP Features
- Credit Card
  - Activate Card
  - Convert to Installment
  - Balance Transfer
  - Card Controls
  - Loyalty Points
- Branch Visit
- Check Deposit
- QR Code (Scan/Pay)
- Goals
- Forex
- PFM (Personal Finance Management)
- UITF
- Remittance
- Insurance Marketplace

User Feedback

Nottyace - 25/09/2022

Best Bank in PH

My experience with Unionbank has been very accommodating for they have online banking. When I need to transfer funds and pay bills it can be done at my convenience. It has been a positive experience with personable banking service in a timely manner. My time has been limited so banking must be fast and effective. I have been a long-term customer of Unionbank. My plan would be to stay as a customer and grow financially. A big Thank You from your customer that appreciates the hard work in maintaining excellent customer service and good bank products. When asked by others where is the best bank in the country, I always recommend Unionbank.

Kyle Batobato - December 7, 2023

Google Playstore

Online banking in this app is phenomenal. UI is clean and the transaction fees are cheaper than other banks… Customer service is high quality as well….. I would’ve given this app a 5 star because , Im unable to link my second account to online banking to be associated with one log in credentials using the app but for some reasons I was able to do it using web banking… That being said, it is by far one of the best online banking apps ive ever used…

Anonymous User

Best digital bank. Has everything you ever need and their customer service, in my experience, is superb. Had problems three or four times in the past and they get resolved in one day or less. The physical bank though is a pain. Konti branches, dami tao

philostatic

Best in digital banking, helpful CS, and so far parang 1 time pa lang yung downtime na naencounter ko sa digital bank nila. Long lines in branches (pag closing time na) although not as long as BDO and BPI. Both of those banks take hours, the worst I’ve had in UB was 40mins (well closing time kasi yun hahah). Just be mindful that their bank hours are shorter than others (9am-3pm) and you’re fine.

crazycurious_

I have several accounts from various banks and I will say that Unionbank is the absolute best bank for me. Do note though that I (1) do all my transactions online, so the fact that they don’t have as many branches as BDO/BPI doesn’t bother me, (2) pay for everything using debit card or online transfer, so I don’t mind that they don’t have as many ATMs

OccurrentEpstein

Very convenient and isang beses pa lang ako nagka-issue with the app. Also, I can cash in using Cliqq kiosk sa 7-11, tried it twice.

Results and Achievements

In a remarkable timeline of achievements, the UnionBank Online App witnessed a swift evolution from its MVP release within the initial three months to an internal release after six months. Surpassing expectations, the app achieved a public release milestone within the first year of development. The crowning moment came with the app being honored as the prestigious “#1 Digital Banking App of the Year” in 2018, a testament to its rapid success, user acceptance, and industry recognition. They then went on to become the only digital banking app to win the award 4 years in a row until 2021.

UnionDigital Bank Website

Client: UnionDigital Bank

UnionDigital is a subsidiary of UnionBank and is one of the Philippines’ first fully digital bank.

Problem	Objective	Solution
UnionDigital’s initial problem was fixing their website so that it could be launched in two weeks, in time for the BSP review for new fintech companies. This problem then evolved to having technology that would meet their security and reliability requirements, as their old website was based on a platform that did not meet their standards.	Initial objective: To have a website that can be launched in two weeks Second objective: To re-develop and improve their website	Initial solution: Create a lean frontend solution to allow them to launch their website in time for the BSP review Permanent solution: Create a full website with a comprehensive CMS, more dynamic features, and updated design

Service	Tech Stack	Methodology	Number of Site Visits (in the last 90 days as of 22 November 2023)
Frontend development; web app development	Next.js / Nest.js	Agile Scrum	106,000 users

Scope of Work

Development
MVP The initial static website, created within a two-week timeframe, stood as an interim informational marketing website. Being a static website, users could access fundamental information about UnionDigital through the “About Us” page, which detailed information about UnionDigital and its services. Additionally, users had the option to explore the “Frequently Asked Questions” page for swift answers regarding UnionDigital’s services and accounts, along with finding contact information for further inquiries.	Phase 2 The full website, unveiled in June 2022, was launched in time for the regulatory requirements mandated by the BSP. Boasting a more modern and interactive design and interface, the full website built upon the foundation of the initial version, with the added capability of customizing, creating, and updating website pages and posts. The enhanced “Home” page prominently showcases featured posts, articles, and links, offering users valuable insights and guidance, including information on how to open an account through their mobile app. A dedicated “Products” page was created to streamline information about all available services, allowing users to easily delve into specific details without unnecessary scrolling. Additionally, a new “Promos” page was introduced to highlight exclusive offers and deals that UnionDigital bank users can access by simply opening and utilizing their accounts. In pursuit of their mission to empower Filipinos through financial literacy, UnionDigital has introduced a new “Learn” page on the website, a section dedicated to sharing educational and informational posts about financial literacy in both English and Tagalog. Expanding from the static website, the “About Us” page offers a comprehensive overview of UnionDigital, encompassing their vision, mission, values, and digital banking goals. A dedicated “Careers” page has been included to provide users and website visitors with insights into the work culture at UnionDigital. The page features a link to current job postings, allowing individuals to explore career opportunities within the organization. Embracing transparency, UnionDigital introduced a “News” page, enabling users and visitors to stay informed about the latest updates and achievements accomplished by the bank. The former “Frequently Asked Questions” section has been revamped into a comprehensive “Help Center” page, offering an expanded range of answers to address various questions.

Testing
Throughout the planning and development phases, White Cloak Technologies provided expert Quality Engineers to test the entire website to ensure every aspect of the website functioned smoothly and to resolve any issue or bug. With the help of UnionDigital’s beta testers, the team ensured that the website functioned seamlessly and to its best capabilities.

Deployment
After ensuring every feature was up to expectation, White Cloak Technologies deployed the website to its launch in June 2022 and closely monitored the website to ensure that any bugs that were missed during the UAT were caught and resolved immediately.

Evergreen Development
Constant maintenance and enhancement of the website must be done to ensure that all features, code, and functions stay updated, while new features for the website are also constantly being done to keep it engaging and relevant. White Cloak Technologies maintains, monitors, and enhances the website to ensure it lives up to UnionDigital’s reputation and requirements.

Challenges Faced

UnionDigital’s initial website, while functional, lacked the technology, security, and reliability they required for their operations. While they needed to update their website, they faced the dilemma of how to do this without fully taking it down. Being a fully-digital bank, even a brief outage would leave them in a challenging position.

White Cloak Technologies devised a solution by dissecting the existing website to its individual page and core functions, generating a blueprint, and then meticulously reconstructing it as a new static website while plans for the completely overhauled website were underway. Within two weeks from UnionDigital’s request, the static website was launched and served as the primary marketing platform, which was presented to the BSP for their review, until the brand-new website was unveiled later.

Key Features

User-friendly interface for easy navigation and intuitive browsing
Comprehensive information about UnionDigital’s offerings, solutions, and services made available for users’ access anytime
Personalized recommendations and tailored content based on user preferences
Step-by-step guide and FA on how to access and use UnionDigital services
Interactive tools and resources for enhanced engagement and exploration
Seamless integration with UnionDigital’s ecosystem for a cohesive digital experience
Effortless communication channels to connect with UnionDigital’s support team
Real-time updates and notifications to stay informed about the latest news and developments
In-app savings calculator to calculate the amount of interest they earn from their accounts
Educational posts and materials that simplify the understanding and application of financial literacy

Results

The UnionDigital website allows users to easily access new articles and posts that would help them in their banking journey. Additionally, users can discover ways to maximize their accounts by exploring available and exclusive promotions. Moreover, the website prioritizes inclusivity and accessibility for the Filipino audience by offering posts and articles in both Tagalog and English. While UnionDigital banking services are available through mobile only, the website remains an important hub for latest news, updates, and information for their bank users.

UnionDigital Bank(UBEH Bank)

Client: UnionDigital Bank

UnionDigital is one of the Philippines’ first fully digital banks and is a subsidiary of UnionBank.

Problem	Objective	Solution
UnionDigital realized that most if not all banks cater to the mid- to upper- income-earning individuals or users based in Metro Manila, which leaves a gap for lower- to lower-mid income-earning individuals and users from other provinces.	To develop a banking app that embraces individuals in all social classes.	Create an accessible banking app that can be easily used and understood not just by high-income earners, but also by lower-income earning individuals.

Service	Tech Stack	Methodology	Number of Downloads (as of 4 December 2023)
App development	Flutter	Agile Scrum	100,000+

Scope of Work

Design
Development
Testing
Deployment

Key Features

Personalized recommendations and curated content tailored to each user’s preferences
Simplified digital transactions and secure payment processes
Real-time updates and proactive notifications for staying informed on important matters
Intuitive navigation and user-friendly interface for effortless app exploration
Frictionless integration with UnionDigital’s ecosystem for a cohesive digital experience
Customizable settings and preferences for personalized control
Enhanced security measures to protect user data and privacy
Vast collection of informative content on financial literacy and financial management
Cash in and out options through remittance centers
Provincial service provider payment options

Results and Achievements

The UnionDigital mobile app is now one of the most profitable digital banks in the Philippines in less than 1 year of operations, and has been awarded the best digital-only bank in the country by The Asian Banker in 2023. With over 100,000 users nationwide, UnionDigital strives to continuously improve their app and provide services that not only reaches more Filipinos but empowers them through accessible banking experience tailored just for them.