AUB leverages generative AI, digitalization as it eyes continued growth

ASIA United Bank Corp. (AUB) has crafted a strategic roadmap showing how it aims to leverage technology and artificial intelligence (AI) to ensure continued growth despite domestic and global economic challenges.

AUB is integrating generative AI across its operations in response to evolving customer needs, it said.

“Moving beyond basic operational efficiency, AUB is actively deploying generative AI to provide real-time, personalized financial advice to its millions of digital users and leveraging predictive analytics to offer pre-approved credit lines to micro, small, and medium enterprises (MSMEs),” it said in a statement on Wednesday.

It added that it has increasingly digitalized its operations, especially with the growth of its e-wallet HelloMoney, which reached nearly 9 million users at end-2025.

“Simultaneously, AUB PayMate has solidified its place as a leading digital payment acceptance platform for QR Ph, Mastercard, Visa, and major international wallets,” the bank said. 

“In 2026, the bank is scaling this merchant ecosystem further with the rollout of AUB PayMate Business, introducing automated invoicing and real-time inventory financing tailored specifically for MSMEs.”

AUB expects its future growth to be supported by its strong capital position, it added. “The bank remains focused on maintaining capital strength to confidently seize new market opportunities.”

“At AUB, we view shifting economic horizons not as boundaries that constrain us, but as frontiers we are already crossing,” said AUB President Manuel A. Gomez. “By seamlessly connecting traditional banking stability with the limitless possibilities of digital innovation, we have built a bridge capable of withstanding global uncertainty and generating long-term, sustainable value for our stakeholders, customers, and communities.”

AUB’s net profit rose 1.8% to a record P3.2 billion in the first quarter from P3.14 billion a year prior. — BVR