← Embedded Finance Index 2026

Ubs

Also a provider — view Ubs’s profile →

Can UBS leverage its post-Credit Suisse scale to become the world's dominant wealth management and embedded financial services platform for high-net-worth individuals, SMEs, and financial advisors?

Founded1862
HQZürich, Switzerland
IndustryBank / National
The story

UBS is one of the world's oldest and largest financial institutions, headquartered in Zürich, Switzerland, offering wealth management, investment banking, asset management, and retail/commercial banking globally. The 1998 merger that created UBS established it as a global powerhouse in private banking and wealth management. Following the 2023 emergency acquisition of Credit Suisse, UBS became the undisputed dominant Swiss bank and significantly expanded its global wealth management footprint. The bank has increasingly invested in digital banking infrastructure (UBS key4 business for SMEs), embedded finance partnerships (Human Interest for 401(k)s, iProov for identity), and open banking API exposure under PSD2 and SIX-B-LINK standards.

Last 12 months
2026-03
Product timeline
1862
Bank in Winterthur founded; precursor entity to modern UBS.· banking
1998
Union Bank of Switzerland and Swiss Bank Corporation merge to form UBS AG.· banking
2008
UBS receives Swiss government bailout during the global financial crisis.· banking
2022
UBS partners with iProov for automated online identity verification.· banking
2023
UBS acquires Credit Suisse following its collapse, becoming dominant Swiss banking entity.· acquisition
2026
Human Interest announced as a recordkeeping solution available to over 5,000 UBS Financial Advisors for 401(k) plans.· banking
Regulated entities
1
regulatory licence held by Ubs
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Ubs’s embedded-finance stack
Card issuing
UBS AG (in-house)
Lending
in the full report
Accounting gap: minor
8 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.