Yeah… that’s me and the UBA Mobile App.

For the longest time, I thought it was just for checking my account balance, sending money, and maybe topping up airtime if I was feeling like it.

Then, on a boring sunny afternoon, I started clicking around, and boom, it turns out that I have been treating the app like a calculator with transfer features.

So, in case you’ve also been sleeping on it like I was before, let me put you on 7 surprisingly useful features that have been hiding in plain sight on the UBA Mobile App.

1. Biometrics for Transfers & Log In (Face ID & Fingerprint)

Forget typing your password every time, like it’s 2010. With biometrics, you can log in or authorize transfers using Face ID or your fingerprint.

It’s faster and more secure

2. Add Multiple Accounts

If you have more than one UBA account, for personal use, business, or side hustle, you can link them all on the same mobile app and switch between them without logging out.

3. Group Transfers

To send the same amount to multiple people, instead of repeating the process over and over, you can create a group transfer, which makes the process less stressful.

This is perfect for team payouts, group contributions and other payments.

4. 2FA on Transactions of ₦200k and Above

High-value transactions deserve extra security, and UBA delivers with Two-Factor Authentication.

Once you cross ₦200,000, you’ll get an extra layer of verification to keep your money safe. You can choose from the options of biometrics, OTP or, secure pass.

5. Cardless Withdrawals at ATMs

To withdraw from an ATM without using your card, you can use the app to generate a secure code and withdraw cash from a UBA ATM instantly.

6. Log Transaction Disputes

On the UBA mobile, one can log a dispute for failed or incorrect transactions right from the app and track the status. This eliminates the need to go to a physical branch and the countless mail trails of resolution

7. NIBSS QR Payment

To make payments directly from your account, there is a feature to scan the NIBSS QR code.

This means you have cut out typing account numbers over and over again.

The UBA Mobile App isn’t just an app. It’s a full-service bank that fits in your hand. From the security features to time-saving tools, it’s built to make life easier and a little cooler.

I leave you to this. Next time you open it, don’t just check your balance and leave. Take time to explore and you might just discover a feature that makes you wonder how you have been banking without it.

Yet to download the UBA Mobile App? Click here for Android and here for iOS.

She has held leadership roles at top organizations such as Branch International, VFD Tech Limited, and United Bank for Africa, where she led initiatives ranging from mobile banking innovations to the launch of digital banking solutions.

Adanne is recognized for her proficiency in product strategy, team leadership, and designing user-centered solutions that balance practicality with innovation. With a track record of transformative achievements, she is a thought leader in creating accessible, secure, and efficient financial tools.

TE: Can you share the highlights of your journey into product management? 

Adanne Anene: My journey began with an undergraduate degree in Agricultural Economics, where I developed a strong foundation in understanding systems and resource optimization.

This background seamlessly transitioned into my career in financial technology, where I realized the potential to streamline processes and create user-centric solutions.

Over the years, I’ve managed transformative projects, such as launching the new UBA Mobile App interface in 2020.

This new App introduced lots of exciting and interactive features to aid banking, giving a facelift to the existing mobile app while allowing customers to perform unlimited transactions from the comfort of their mobile phones.

It’s been an incredible experience using technology to make financial tools more accessible and impactful.

TE: What’s been your most impactful project, and why? 

Adanne Anene: One project that stands out is leading the launch of Branch International’s wallet product in Kenya. This initiative transformed Branch into a full digital bank, providing users with an all-in-one financial solution.

The challenge was to ensure the product balanced simplicity and compliance while meeting user expectations. Within months, it became a game-changer, improving user engagement and financial inclusion. Witnessing its impact reaffirmed my belief in building products that resonate with users’ real-world needs.

TE: How do you approach innovation in highly regulated industries like financial technology? 

Adanne Anene: Innovating in regulated industries requires striking the right balance between creativity and compliance. At Branch, for instance, I am currently managing mobile banking products under strict regulatory constraints.

Instead of viewing regulations as limitations, I treated them as a framework for innovative problem-solving. My approach involves close collaboration with compliance teams and designing scalable solutions that respect regulatory boundaries while delivering exceptional user experiences.

TE: How do you ensure user satisfaction when developing digital products? 

Adanne Anene: User satisfaction starts with listening. I actively engage in user research, leveraging data, feedback, and direct interactions to understand pain points. For example, when developing the Branch Wallet, we prioritized ease of navigation and quick transaction processes based on user feedback. Combining these insights with rigorous testing ensures we deliver products that users find intuitive and valuable.

TE: Can you discuss your experience leading cross-functional teams? 

Adanne Anene: Leading cross-functional teams is one of my favorite aspects of product management. At Branch International, I worked with teams spread across continents, navigating time zones and diverse work cultures. I emphasize clear communication, collaborative goal-setting, and empathy to foster alignment. It’s about ensuring everyone feels valued while staying focused on delivering impactful results.

TE: What role does data play in your decision-making process? 

Adanne Anene: Data is central to everything I do. At VFD Tech, I used data to segment customers, refine product offerings, and analyze performance metrics. This approach allowed us to design targeted solutions that drove adoption and retention. Whether it involves user feedback, market trends, or operational metrics, data informs strategy, validates decisions, and identifies areas for improvement.

TE: What do you consider your biggest achievement in mobile banking innovation? 

Adanne Anene: At UBA, I led the redesign of the mobile app, significantly improving the user experience. Within six months, the app’s monthly revenue grew from ₦180 million to over ₦1 billion.

This milestone earned me recognition from the UBA Executive Management. It’s an achievement I’m proud of because it demonstrates how user-centered design can directly drive business success.

TE: How do you stay ahead of trends in financial technology? 

Adanne Anene: Continuous learning is essential. I’ve earned certifications in Digital Money from the Digital Frontiers Institute and Certified Product Manager (CPM) from the Association of International Product Marketing & Management (AIPMM).

I also stay engaged with industry developments through thought leadership platforms and communities. This proactive approach ensures I’m always equipped to navigate emerging trends and challenges.

TE: How do you balance technical and business needs in product management? 

Adanne Anene: Balancing technical and business needs requires collaboration with both teams. It’s about understanding the technical constraints while also aligning with business objectives. Throughout my career, I have worked to create a middle ground that ensures innovative solutions meet market demands and operational feasibility.

TE: Thank you for your time and sharing this much of your journey with us.

Adanne Anene: Thanks to the team at Techeconomy for all you do in the ecosystem. You are changing the narratives with your insightful reporting.