Case Study: United Bank Limited achieves 24/7 branchless remittances and operational efficiency with Wavetec's Remittance Kiosk

UBL Deployed Wavetec’s Remittance Kiosk – First-Ever Comprehensive Branchless Banking solution

United Bank Limited (UBL), a leading Pakistani bank with over 4 million customers and 1,400+ branches operating across four continents, faced the challenge of making remittances easier for busy overseas Pakistani workers in the UAE. With more than 1.2 million Pakistanis in the UAE and remittance flows of roughly AED 8.5 billion ($2.3 billion), UBL partnered with Wavetec to introduce a branchless banking Remittance Kiosk to improve accessibility and customer experience.

Wavetec deployed its Remittance Kiosk solution at 10 UAE locations, delivering a 24/7, EIDA‑compliant self‑service workflow that verifies Emirates ID and biometrics and completes transfers in minutes. The Wavetec kiosks enabled branchless remittances, reduced teller manual work and customer waiting times, lowered operational costs, and supplied middleware analytics for immediate usage insights — a measurable rollout of 10 kiosks with round‑the‑clock service supporting UBL’s remittance corridor.

United Bank Limited