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UBS Mobile Banking from UBS
UBS Mobile Banking provides clients with a secure way to manage their accounts, conduct transactions, and access market insights via their mobile devices, incorporating multi-layered security features.
Product analysis by function
Secure Mobile Devices for Wealth Management
Tablets and smartphones with enhanced security features allowing advisors to access client information and financial planning tools while meeting with clients outside the office.
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Authentication & Access Control
(9 Yes /9 Known /13 Possible features)
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Multi-Factor Authentication (MFA) Requires users to provide multiple forms of identification before granting access. |
UBS Mobile Banking states that it uses a variety of security measures, including device binding and multi-step login, which strongly indicates MFA is present. | |
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Biometric Authentication Supports authentication via fingerprint, facial recognition, or iris scanning. |
App store descriptions and UBS documentation indicate support for biometric login (fingerprint, Face ID) on both Android and iOS devices. | |
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Single Sign-On (SSO) Allows users to use one set of login credentials across multiple related systems. |
Single Sign-On is generally supported for banking platforms integrating multiple UBS services; marketing material and user reviews reference seamless login between related UBS services. | |
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Role-Based Access Control (RBAC) Grants access based on user roles, limiting exposure to sensitive features and data. |
UBS describes support for user profiles and roles on their platform, confirming RBAC enables access limitation based on user roles. | |
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Time-based Access Restrictions Restricts platform access to set periods for added security and oversight. |
No information available | |
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Geofencing Limits platform access to predefined geographic locations. |
No information available | |
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Session Timeout Automatically logs out users after a period of inactivity. |
No information available | |
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Device Registration Allows only registered and approved devices to access sensitive information. |
Device registration and management are mentioned in security documentation, requiring users to authorize devices for access. | |
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Jailbreak/Root Detection Detects devices with compromised operating systems and restricts access. |
UBS app documentation references 'security checks' preventing use on rooted or jailbroken devices. | |
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Remote Lock/Wipe Ability to lock or erase device data remotely if lost or stolen. |
Remote lock/wipe features are commonly provided in UBS's security controls, particularly for commercial and high-value clients. | |
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Customizable Password Policies Enforces complexity and frequency rules for password creation and updates. |
Customizable password policy is specifically referenced in the user security setup documentation. | |
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User Activity Logging Tracks user actions on the platform for accountability and investigation. |
Security documentation and compliance information refer to logging and auditing of user activities within the app. | |
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Access Approval Workflow Requires admin approval before granting user or device access. |
No information available |
Data Encryption & Privacy
(8 Yes /8 Known /11 Possible features)
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End-to-End Encryption Encrypts data at rest and in transit between devices and servers. |
UBS complies with banking security requirements, and documentation specifies encryption of user data end-to-end, both in transit and at rest. | |
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On-Device Data Encryption Secures stored data locally on the mobile device using encryption. |
Explicit mention of data being encrypted on the device in UBS security and privacy statements. | |
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Secure Backup Backs up data securely in compliance with privacy standards. |
Secure backup of data is referenced as a compliance measure in privacy documentation. | |
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Encrypted Communications Ensures all messaging, calls, and file transfers are encrypted. |
All communications (including statements, messaging, and file transfers) are referenced as being encrypted according to banking standards. | |
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Secure Key Management Safeguards encryption keys with restricted access and best practices. |
Use of secure key management is a standard practice for Tier 1 banks; UBS refers to restricted key handling in their technical architecture. | |
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Data Masking Masks sensitive financial data displayed on screens to prevent exposure. |
No information available | |
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Granular Encryption Levels Allows different levels of encryption for different data types. |
No information available | |
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Privacy Policy Transparency Displays clear information about data collection, use, and sharing. |
Clear privacy policy is directly accessible from the UBS Mobile Banking app and website. | |
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Compliance with GDPR/CCPA Adheres to data privacy regulations such as GDPR or CCPA. |
UBS is a global bank, with explicit adherence to GDPR and CCPA in its privacy page and client agreements. | |
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Audit Logging Maintains logs of all access and changes to client data for auditing. |
Audit logging is a regulatory requirement for banking; UBS specifically lists detailed audit records as part of compliance. | |
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Secure Cache Management Automatically clears or encrypts application cache to prevent data leaks. |
No information available |
Mobile Device Management (MDM) & Security Monitoring
(3 Yes /3 Known /11 Possible features)
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MDM Integration Offers compatibility with leading MDM solutions for device oversight. |
No information available | |
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Device Inventory Tracking Tracks all approved devices accessing financial systems. |
No information available | |
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App Whitelisting/Blacklisting Prevents installation or use of non-approved applications. |
No information available | |
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Mobile Threat Detection Continuously monitors for malware, phishing, or other threats. |
UBS documentation references real-time threat detection and continuous monitoring for security. | |
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Patch & Update Management Ensures devices and apps are running the latest secure versions. |
Regular app updates and forced upgrade requirements on iOS/Android show that UBS practices patch and update management. | |
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VPN Enforcement Requires VPN connections for external or remote access. |
No information available | |
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Compliance Reporting Generates reports on device compliance with security policies. |
No information available | |
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Remote Configuration Centrally manages security settings and configurations across devices. |
No information available | |
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Lost Device Tracking Allows real-time location and status tracking of lost devices. |
No information available | |
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Security Incident Alerts Automatically notifies administrators of security breaches or risks. |
UBS notifies users and admins of potential security incidents through alerts, per security documentation. | |
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Usage Analytics Provides analytics on device engagement and usage by advisors. |
No information available |
User Experience & Interface
(9 Yes /9 Known /11 Possible features)
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Intuitive Navigation Easy-to-use interface for advisors and clients. |
UBS Mobile Banking is renowned for an intuitive, user-friendly design, as noted in third-party reviews. | |
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Customizable Dashboard Allows users to personalize information and shortcuts. |
Personalized dashboards and customizable widgets are highlighted in both help guides and marketing. | |
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Multi-Language Support Available in a variety of languages to serve diverse client bases. |
Multi-language support is offered, with the app available in numerous languages per app store listings. | |
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Accessibility Features Supports screen readers, high contrast mode, and large text. |
Accessibility features, including support for screen readers and large text, are listed in app support documentation. | |
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Offline Mode Limited functionality without network connection for emergencies. |
No information available | |
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In-App Notifications Provides timely alerts and updates to users inside the app. |
App updates and urgent alerts are pushed directly to users through the app, as per official feature guides. | |
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Seamless Document Upload/Download Secure and easy handling of financial documents. |
Secure upload and download of bank documents is documented as a feature in support materials. | |
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Dedicated Client/Advisor Portal Separate portal areas for advisors and clients with tailored functions. |
UBS app segregates client and advisor logins, offering customized workflows for each. | |
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Voice Assistant Integration Integrates with voice assistants for hands-free operation. |
No information available | |
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Search Functionality Advanced search tools for transactions, documents, and contacts. |
Advanced search within accounts, documents, and transactions is mentioned in UBS Mobile Banking guides. | |
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Responsive Design Adapts interface for phones, tablets, and different screen sizes. |
The app is designed responsively for phones and tablets, confirmed by user reviews. |
Transaction Security & Control
(8 Yes /8 Known /10 Possible features)
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Transaction Approvals Requires one or more approvals before large or sensitive transactions proceed. |
Sensitive and high-value transaction approval by more than one method (SMS, biometric, PIN) is stated in security features. | |
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Real-Time Transaction Monitoring Monitors and flags potentially suspicious activity as it happens. |
UBS monitors all account activity in real time, flagging suspicious transactions through automated checks. | |
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Limits on Transaction Amounts Configurable maximums for transactions approved via mobile. |
No information available | |
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Automated Fraud Detection AI-based detection and prevention of fraudulent transactions. |
Fraud detection and prevention is a key focus in UBS's digital banking security documentation. | |
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Transaction Notifications Instant alerts for every transaction initiated or completed. |
Real-time notifications for all transactions are described on the UBS website and in user settings. | |
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Dual Authorization Two users must independently authorize critical transactions. |
No information available | |
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Audit Trail of Transactions Comprehensive log of all transaction details and authorizations. |
Full transaction logs and audit trails are maintained for all actions, as a compliance and operational control. | |
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Regulatory Compliance Checks Automated screening of transactions for regulatory compliance. |
UBS's AML compliance tools include automated screening and regulatory compliance checks on all relevant transactions. | |
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Transaction Reversal Tools Ability to reverse incorrect or fraudulent transactions swiftly. |
UBS publicly describes immediate reversal support for erroneous or fraudulent payment transactions in documentation. | |
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User Permissions for Transaction Types Administrator control to restrict types of transactions by user. |
Administrator can restrict transaction types per user profile (e.g., transfer, payment). |
Integration & Interoperability
(1 Yes /1 Known /10 Possible features)
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API Access Robust, secure API for integrating with other platforms and services. |
No information available | |
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Data Import/Export Allows seamless transfer of financial information to and from other systems. |
Users can download transactions and statements; data export described in FAQ and feature overview. | |
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CRM Integration Integrates with Client Relationship Management software. |
No information available | |
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Portfolio Management Integration Works with third-party portfolio management and analytics tools. |
No information available | |
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Bank Connection Aggregation Aggregates holdings and balances from multiple banks and custodians. |
No information available | |
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Document Management Integration Connects with document storage and e-signature platforms. |
No information available | |
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Secure Open Banking Support Supports open banking APIs with OAuth2 and PSD2 compliance. |
No information available | |
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Alerting System Integrations Can send alerts to external monitoring and support systems. |
No information available | |
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App Marketplace Compatibility Supports plug-ins and third-party apps from curated marketplaces. |
No information available | |
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Single Data Format Standardization Uses open standards for financial data for easier interoperability. |
No information available |
Audit, Reporting & Compliance
(2 Yes /2 Known /10 Possible features)
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Regulatory Audit Trail Captures full audit logs for all data and actions, meeting compliance obligations. |
Regulatory audit logs are part of UBS process documentation and required for financial compliance. | |
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Real-Time Compliance Alerts Instantly flags actions or transactions that may breach compliance rules. |
Platform instantly flags actions and transactions if they may breach compliance, as per online documentation. | |
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Scheduled Compliance Reporting Automatically generates and distributes compliance reports. |
No information available | |
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Role-Based Compliance Controls Compliance checks vary based on user roles and access. |
No information available | |
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e-Discovery Support Facilitates discovery of electronic records for legal/audit review. |
No information available | |
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Customizable Policy Engine Policy rules can be tailored to organizational and regulatory needs. |
No information available | |
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Conflict of Interest Monitoring Detects and reports potential advisor conflicts. |
No information available | |
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Transaction Reporting Standards Supports formats (e.g., SWIFT, FIX) required for external reporting. |
No information available | |
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Automated Record Retention Automatically applies record retention/destruction based on policy. |
No information available | |
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Data Residency Awareness Ensures data is stored in approved jurisdictions. |
No information available |
Collaboration & Communication
(1 Yes /1 Known /10 Possible features)
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Secure In-App Messaging Enables end-to-end encrypted communication between users. |
No information available | |
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Document Sharing and Signatures Securely share, collaborate and sign important documents. |
No information available | |
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Client Scheduling Tools Integrates calendars and scheduling for advisor-client meetings. |
No information available | |
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Group Chat Capability Supports group discussions among teams or family members. |
No information available | |
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Push Notification Channel Provides immediate client/advisor updates and reminders. |
Push notifications for account alerts and communications are standard with the UBS Mobile Banking app. | |
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Voice and Video Communication Enables secure audio and video calls through the app. |
No information available | |
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Audit Logging of Communications Maintains logs for all advisor-client communications for compliance. |
No information available | |
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Conversation Archival and Search Archives all chat and call transcripts and allows keyword searching. |
No information available | |
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Automated Meeting Summaries Records and summarizes client meetings for audit and convenience. |
No information available | |
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Integration with Email/Other Channels Can synchronize communications with email, SMS, or third-party chat. |
No information available |
Platform Reliability & Performance
(6 Yes /6 Known /10 Possible features)
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99.99% Uptime SLA Guaranteed uptime or availability level for the application. |
No information available | |
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Real-Time Performance Monitoring Tracks system performance metrics for rapid issue detection. |
Real-time performance monitoring is referenced in reference architecture and system status reporting. | |
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Scalability Supports growing users or device numbers without service degradation. |
UBS systems are described as scalable and capable of supporting many millions of users without interruption. | |
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Load Balancing Balances traffic across servers for optimal responsiveness. |
UBS hosts banking infrastructure using global load balancing as indicated by their architecture diagrams. | |
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Disaster Recovery Plan Comprehensive plan and backup for service continuity after outage. |
Disaster recovery is required by global regulators and described in UBS technical white papers. | |
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Auto Failover Seamlessly switches users to backup systems in case of primary failure. |
UBS mentions auto-failover and redundant systems for ensuring no single point of failure. | |
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Response Time Average time for screen or transaction to load/process. |
No information available | |
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Regular Maintenance Scheduling Planned maintenance that does not interrupt critical user activity. |
No information available | |
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Bug Reporting & Resolution SLA Defined timelines for responding to and fixing reported bugs. |
No information available | |
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User Feedback Loop Allows real users to report issues and suggest improvements. |
UBS application offers user feedback tools and contact forms for product improvements. |
Deployment, Support, and Training
(6 Yes /6 Known /10 Possible features)
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Guided Onboarding Step-by-step instructions for initial setup for users and administrators. |
Guided onboarding is available via the mobile app and web portal, with instructions and live chat. | |
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In-App Tutorials & Help Embedded resources to assist new or returning users. |
In-app tutorials and help are provided in the form of FAQs and walkthroughs in the UBS app. | |
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24/7 Help Desk Support Continuous support by phone, chat, or web. |
UBS offers 24/7 support as noted on the app's support and contact page. | |
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Knowledge Base Online repository of FAQs, guides and troubleshooting tips. |
Extensive knowledge base is accessible online and via the app, containing guides and troubleshooting. | |
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Dedicated Account Manager Assigned specialist for organizational needs and issue escalation. |
Dedicated account managers are routinely assigned to wealth management clients, as advertised. | |
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Flexible Deployment Options Supports cloud, on-premises, or hybrid deployment models. |
No information available | |
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User Role Training Programs Custom training by user function (advisor, admin, client). |
No information available | |
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API Documentation Complete documentation for developers integrating the platform. |
No information available | |
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Test/Sandbox Environment Safe environment for testing new features/configurations. |
No information available | |
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Feedback & Feature Request System Enables users to submit suggestions and requests for enhancements. |
Feedback and feature requests can be submitted from inside the app or the UBS support portal. |
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