United Bank Limited (UBL) has rolled out a new AI-powered Voice Command feature within its UBL Digital App, allowing customers to carry out everyday banking transactions using simple spoken instructions. The development marks another step in the bank’s push toward more intuitive and accessible digital financial services, particularly for users who prefer hands-free or language-friendly interfaces.
With the newly introduced functionality, customers can tap on a microphone icon inside the app and verbally issue requests to complete common banking activities. These include transferring funds, paying utility and credit card bills, topping up mobile balance, and checking account statements. Once a command is spoken, the app processes the request and presents a confirmation screen where users can review transaction details before finalizing the action.
A key highlight of the Voice Command feature is its bilingual support. Customers can speak either in English or Urdu, and the system automatically displays the transaction confirmation in the same language used during the voice request. This localized approach is designed to broaden access to digital banking across different user groups, particularly in Pakistan’s diverse linguistic environment.
UBL has emphasized the built-in safety mechanism as a central component of the experience. Before any transaction is completed, users must verify the displayed details on the final confirmation screen, reducing the risk of accidental or incorrect transfers. This step ensures that while the process is simplified through voice interaction, security and customer control remain intact.
The technology behind the feature is powered by Fortanixor Technologies, which provides the AI-driven voice processing infrastructure. The integration enables real-time recognition of spoken commands, accurate transaction mapping, and seamless execution within the digital banking environment.
Industry observers note that voice-enabled banking tools are gaining momentum globally as financial institutions look to improve user convenience and inclusivity. By introducing this capability locally, UBL positions itself among the early adopters of conversational AI in Pakistan’s banking sector. The feature may also benefit visually impaired users or customers less comfortable with navigating traditional app interfaces.
UBL’s digital platform has steadily expanded its feature set over recent years, with a focus on mobile-first services, quick payments, and user-friendly financial management tools. The Voice Command addition aligns with broader fintech trends where artificial intelligence is being used to streamline customer interactions, automate routine tasks, and create more personalized banking experiences.
The bank has not indicated any additional charges for using the Voice Command functionality, suggesting it will be available as part of the standard UBL Digital App services. Customers can access the feature through the latest version of the app, where the microphone icon appears on key transaction screens.
As digital adoption continues to rise across Pakistan, innovations like voice-controlled banking are expected to play a growing role in expanding financial inclusion and reducing friction in daily money management. UBL’s move reflects how traditional banks are increasingly leveraging advanced technologies to compete with fintech platforms while maintaining regulated security frameworks.
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