Universal Merchant Bank (UMB) is a Ghanaian financial institution offering a range of services including retail and merchant banking. It provides financial solutions such as personal and corporate banking, loans, and investment products. The bank targets both individual and corporate clients across Ghana. Its unique selling proposition is its ability to offer comprehensive banking services with a focus on customer satisfaction and financial inclusion, leveraging its extensive branch network and digital platforms to reach a broader audience. UMB's expansion into retail banking has enhanced its appeal to a diverse customer base.