One year after acquiring Citibank’s $C Philippine consumer banking operations, UnionBank of the Philippines has moved beyond post-merger integration and is now focused on scaling its digital and financial infrastructure. The shift marks a strategic transition from consolidation to aggressive customer acquisition and technological deployment. According to UnionBank’s Head of Consumer Banking Manoj Varma, the integration phase has concluded, giving way to a new growth-oriented agenda centered around embedded finance, expanded credit offerings, and ecosystem-based partnerships.

The new partnership between JPMorgan Chase and Walmart marks a significant step forward in the evolution of payment systems on digital marketplaces. Both companies are set to introduce advanced tools that streamline payment acceptance and cash flow management, leveraging cutting-edge embedded finance technologies.