Over the years, as far as MSME banking is concerned, much has changed in terms of delivery and product packaging. Keeping pace with the change of time, Union Bank has come a long way, thanks to the adoption of the technology platform and necessary internal restructuring that has made delivery easier and faster with better efficiency. As time has changed, the bank found it necessary to transform itself migrating to cutting edge platform with highly efficient systems and processes in place. Behind this were two aims; faster delivery by cutting turnaround time and better underwriting quality.