UBL is not just infrastructure. It is a systematic dismantling of the barriers that have kept 14 million Ghanaians invisible to the financial system.
Members — Year 1 target
Loans facilitated — Year 3
Bank accounts opened — Year 3
Reduction in unbanked rate
UBL directly advances four of the world's most critical development targets.
Access to credit enables income growth and wealth building for the poorest communities.
Micro-loans fund market traders, artisans, and small businesses to scale and employ others.
UBL eliminates geographic, gender, and income barriers to financial participation.
UBL is bank-agnostic by design — a public-private infrastructure layer for all.
These are not statistics. These are the people behind every Trust Score — the ones the system forgot, until now.
Market Trader · Kumasi
"I have been selling fabric for 8 years. Every bank told me I need collateral. UBL sees what banks cannot — that I repay every susu on time, that my 200 customers trust me."
Trust Score: 812
GOLD✓ Eligible: GHS 8,000 business loan
Motorbike Mechanic · Accra
"No credit history — because I never had a bank account. UBL signed me up via USSD. My neighbours vouched for me. Three months later I had my first micro-loan and my own workshop."
Trust Score: 741
SILVER✓ Eligible: GHS 3,000 equipment loan
Smallholder Farmer · Tamale
"No bank has ever come to Tamale for someone like me. UBL works on my simple phone with no data. Now we have a shared Trust Score and seasonal credit before every planting season."
Trust Score: 688
SILVER✓ Eligible: GHS 2,000 seasonal loan
Credit access increases household income by an average of 34% within 12 months
Savings vault (ARISE) builds emergency buffers — reducing vulnerability to financial shocks
Digital identity enables access to insurance, pensions, and government services
Every member who builds credit creates trust signals for their entire vouching network
Local businesses grow, creating employment and strengthening community economies
Formalisation of informal susu groups and trade associations into bankable entities
Whether you are a bank, an investor, a regulator, or a development organisation — there is a role for you in this infrastructure.