United Fintech Acquires Trade Ledger to Advance AI-Driven Commercial Banking

United Fintech, a leading digital transformation group for financial institutions, has announced the acquisition of Trade Ledger, a pioneering fintech known for its AI-powered lending automation platform. The move marks a significant step in United Fintech’s mission to build an integrated ecosystem that accelerates digital transformation across global banking.

Revolutionising Commercial Lending Through AI

Trade Ledger is recognised for developing an advanced technology platform that automates commercial and business lending. By leveraging artificial intelligence and proprietary data models, the platform enables banks to streamline loan origination, underwriting, and portfolio management — transforming traditionally complex lending operations into a data-driven, real-time process.

The acquisition brings to United Fintech a strong roster of enterprise clients and deep domain expertise in commercial banking automation. Trade Ledger’s team has built a reputation for delivering technology that enhances transparency, improves risk assessment, and allows financial institutions to make faster, more informed credit decisions.

Strategic Synergy and Integration

Under the terms of the agreement, Trade Ledger will retain its existing leadership team and continue operating under its brand identity while integrating into United Fintech’s expanding Commercial Banking division. The acquisition follows United Fintech’s earlier addition of CBA, which strengthened its trade finance and payments capabilities. Together, these strategic moves create a more comprehensive digital infrastructure serving multiple areas of financial operations.

Christian Frahm, Founder and CEO of United Fintech, commented,

“AI is redefining how banks operate, and Trade Ledger is at the forefront of that change. Martin McCann and his team have developed exceptional technology that transforms lending into a real-time, data-driven experience. With this acquisition, we are bringing together the best of commercial banking innovation under one unified ecosystem.”

Shared Vision for Smarter Banking

Trade Ledger’s Co-Founder and CEO, Martin McCann, emphasised the shared vision behind the partnership, stating,

“Joining United Fintech marks an exciting new chapter for Trade Ledger. Our goal has always been to redefine how banks use data and technology to better serve their customers. Becoming part of United Fintech gives us the scale, reach, and resources to accelerate that mission globally.”

The acquisition, structured as an all-share transaction, reflects the long-term alignment between the two organisations. It also highlights the rising demand from financial institutions for scalable, AI-driven infrastructure capable of transforming lending, payments, and trade finance operations.

A Step Toward the Future of Finance

Through the integration of Trade Ledger’s technology, United Fintech strengthens its position as a strategic partner for banks navigating digital transformation. The group continues to focus on simplifying procurement, enabling seamless adoption of fintech solutions, and helping financial institutions embrace the intelligent infrastructure needed to thrive in the AI era.

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