KARA CHI - United Bank Limited and Voice Trust Holding today signed a comprehensive Memorandum of Understanding (MoU) regarding their strategic relationship covering a Joint Venture (JV) in Pakistan as well as a launch of international programmes. This partnership will combine UBLs branchless banking services in Pakistan and its international branch network with VoiceTrusts Proof-of-Life and international mobile wallet programnes. Various services will be shortly announced covering G2P (Government 2 Person) payments, mobile-payments and international remittances in initially Pakistan, GCC and the United States, says a press release. United Bank Limited is engaged in providing banking services to its customers in Pakistan as well as internationally with specific focus in the Middle East gulf region, United States and through its subsidiary offices in the United Kingdom and Switzerland. UBL offers branchless banking services in Pakistan via a retail agency model combined with UBL Omnis proprietary payments platform that provides account opening, bill payment, fund transfer, cash transfer facilities including G2P and B2B, B2C bespoke business cash management solutions. Voice Trust is a global innovator in Voice Biometric Security (VBS) and mobile prepaid programs. Its flagship business model branded as Proof of Life provides safe, secure and very low cost delivery of various payment services, like pension and other social benefits. VoiceTrusts solutions also cover enterprise security, self-service call centers; VoiceTrust currently has millions of users benefiting from their VBS services across North America and Europe. Voice biometrics has the potential to revolutionize customer authentication and enable financial inclusion in emerging markets. It is natural, convenient and scalable. Customers no longer need to memorize PINs and passwords, they just use their voice to have their identity verified. Long hours in queues could be a relic of the past, said Tariq Habib, Group CEO of Voice Trust Holding.