Uno Digital

What Uno Digital does

UNO Digital Bank is a Philippine-licensed digital bank and one of six digital banking licensees in the country, founded approximately 2022. The bank operates a proprietary digital-first lending platform targeting retail and consumer borrowers, with PHP 15 billion in cumulative loans disbursed since inception and an active loan book being expanded from approximately $100 million to over $200 million by end of 2026. Distribution is self-serve through the bank's own platform under a product-led growth motion, with horizontal segmentation across consumer credit use cases.

The bank reached operating break-even in February 2026, transitioning from a heavy investment phase to a sustainable operating model with positive operating margin before provisions. Revenue is generated primarily through transaction fees on lending activities, and Chairman Kalidas Ghose leads strategic direction. Plans over the next six months include launching new products, enhancing the digital platform, expanding credit distribution channels, and exploring regional expansion. The bank is privately held and currently undertaking a new fundraising round with an official announcement expected in H1 2026.

Data note: The firmographic header in the input describes a Madrid-based online marketing agency under the same name; the substantive structured blocks, however, describe UNO Digital Bank in the Philippines. This analysis is grounded in the UNO Digital Bank data, which constitutes the bulk of substantive evidence.

Name

Uno Digital

Legal name

UNO Digital Bank

Website

https://agencia-digital.es

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

UNO Digital Bank is a Philippines digital banking licensee operating a digital-first lending platform for retail borrowers, with PHP 15 billion in cumulative disbursements and a target to more than double its active loan book by end of 2026.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Digital Lending: UNO Digital Bank generates revenue primarily through digital lending operations, having disbursed PHP 15 billion in total loans. The bank is transitioning from a heavy investment phase to a sustainable operating model following its operating break-even milestone in February 2026.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Uno Digital is a Madrid-based digital marketing agency providing online customer acquisition, conversion optimization, and customer retention services to businesses. The agency offers SEO, SEM, social media advertising (Facebook, Twitter, Instagram, LinkedIn), Google Shopping PPC, marketplace advertising, email marketing, A/B testing, conversion rate optimization, remarketing, cart recovery, web analytics, content generation, community management, and digital strategy consulting, designed to help businesses attract, convert, and retain customers through integrated multi-channel digital strategies.

Product overview

UNO Digital Bank operates as a single digital banking platform in the Philippines, one of six digital banking licensees in the country. The bank offers lending products and services through its digital platform, targeting retail and business customers with credit distribution channels. The company is currently in a growth phase, planning to launch new products and enhance its digital platform over the next six months.

Differentiator

Problem solved

Functional benefit

Products and services

• SEO Services
• SEM Services
• Social Media Advertising
• Marketplace Advertising & Google Shopping
• Email Marketing & Lead Acquisition
• Landing Page A/B Testing
• Conversion Rate Optimization (CRO)
• Remarketing & Cart Recovery
• Web Analytics & Data Studio Reporting
• Content Generation
• Community Management
• Digital Strategy Consulting
• Media Buying
• 360 Digital Marketing
• Digital Agent Services (Agente Digitalizador)

Quantifiable outcome

• PHP 15 billion in total loans disbursed
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Humanlevel: Spanish digital agency offering inbound marketing, SEO, and content strategy to mid-market Spanish clients — closely matching UNO Digital's service profile and customer type.
• Comunicare: Madrid-based digital marketing agency offering SEO, SEM, social ads, email marketing, CRO, and analytics to Spanish clients — directly comparable in service mix, geography, and mid-market focus to UNO Digital.
• Multiplica: Spanish digital marketing agency with a similarly broad service portfolio and Iberian client focus, competing with UNO Digital for mid-market digital budgets across SEO, paid media, and analytics.
• Good Rebels: Madrid-headquartered digital agency offering strategy, creative, and digital activation services to Spanish and European enterprises — comparable in offering breadth and target customer.
• Elogia: Iberian digital marketing agency with comparable SEO, paid media, and e-commerce activation services targeting Spanish-speaking markets.

Broad incumbents

• Deloitte Digital Spain: Consulting-led digital transformation arm with Spanish operations offering digital marketing and customer experience services to enterprise accounts.
• Accenture Song Spain: Global consultancy's creative and digital marketing arm with Spanish operations competing for enterprise digital transformation and marketing engagements.
• Ogilvy Spain: Global creative network with a Spanish operation offering digital marketing, advertising, and consulting services to large Spanish clients.
• Havas Spain: Global advertising group's Spanish operations providing digital marketing alongside broader creative and media services — competing for the larger end of UNO Digital's addressable market.
• Wunderman Thompson Spain: International agency network with a Madrid hub offering digital marketing as part of a wider experience and commerce portfolio — competing for enterprise-scale accounts.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/uno-digital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Uno Digital