Malawi's financial sector is embracing digital transformation to achieve greater financial inclusion and efficiency. Traditional credit scoring methods struggle with incomplete data, hindering access to credit. This paper proposes a unified banking interface that leverages blockchain technology, machine learning, and digital wallets. The interface will streamline credit assessment, facilitate secure lending, and promote financial inclusion. By linking bank accounts, creating virtual credit cards, and enabling smart contracts, this paper aims to build a more robust, efficient, and inclusive financial ecosystem in Malawi.