YouBank
Digital banking under your brand
Retail and business accounts, cards and lending on your own rails.
Accounts
86.4K
▲ 6.9%
Deposits
$128M
▲ 11%
Loan apps
1,920
▲ 4.4%
Deposit growth · 14 days
New accounts · NZ+128
Loan pipeline · approved37%
Enterprise Software for Banks, Financial Institutions, Telecommunications Providers & Retail
Retention and growth infrastructure for banks, telcos and retailers.
One cloud-native enterprise platform — digital banking, merchant payments, loyalty and rewards, and travel wallet and card — launched under your own brand through a single API.
Security & compliance
Secure by design, compliant by default
Built for regulated financial services — with the certifications, cloud partnerships and controls that banks, telcos and retail groups require.
Data encrypted in transit and at rest
Role-based access and full audit trails
KYC/KYB, AML and card-scheme support
Certifications
PCI DSS · ISO/IEC 27001 · SOC 2 Type II
Cloud partners
Microsoft Azure · AWS · Google Cloud
Card schemes
Visa · Mastercard · UnionPay
Data & privacy
GDPR · Encryption in transit & at rest · Data residency
Identity & onboarding
KYC · KYB · AML screening
Resilience
99.99% uptime SLA · Disaster recovery · 24/7 monitoring
Customer lifecycle
Connected experiences across the customer lifecycle
Enterprise AI and intelligent agents operate across every Youtap capability — not as a separate product — turning customer, payment and transaction data into personalised experiences, intelligent automation and next-best actions.
Explore by industry
BankingTelcoTransitRetail
Banking
Accounts, cards & wallets
Telco
Wallets & engagement
Transit
Tap-to-ride payments
Retail
Commerce & loyalty
Modernise digital financial services — launch branded banking, wallets and cards on one cloud-native platform, with onboarding, KYC/KYB and payments built in.
Explore banking solutionsTurn subscriber engagement into growth with wallets, payments and loyalty embedded directly in your app — driving usage, retention and new revenue.
Explore telco solutionsConnect commerce, payments and loyalty into one seamless customer experience across channels — online, in-store and in-app.
Explore retail solutionsYoutap
Mambu partnership
Introducing Bank in a Box.
The complete digital banking stack — pre-integrated, one contract, zero integration risk.
Platform (6)
One API.
Six modules.
YouPay
One wallet, every payment channel
In-store, online, in-app and transit from a single balance.
YouAccept
Merchant acceptance end to end
Onboarding, SoftPOS, terminals, acquiring and settlement.
Payment received
$42.00
Approved · tap to pay
Today's takings▲ 8%
$2,480
CardQRTap
YouTravel
Travel payments & multi-currency FX
Multi-currency wallets and cross-border settlement in 38 currencies.
Travel Card
youtap travelVISA
NZD
1,000
USD
612.40
AUD
923.10
1,000 NZD → USDsettled 1.8s
YouReward
Loyalty that moves the needle
Tiers, points, campaigns and gamification across every channel.
Model accuracyLive
94.2% ▲ 1.1%
Churn risk by segment
Dormant89%
At-risk62%
Loyal9%
342 flagged↓ 31% churn
YouShop
Everything a merchant needs
POS, inventory, ordering, payments and engagement for SMEs.
Sales today▲ 12%
$1,284
Orders today
42Flat white ×2$11Paid
43Pastry$6.50Prep
AI & agents
Intelligent agents, at work
Agents that see your unified data — then reason and act across banking, payments and loyalty. Keep scrolling to see each one working.
Customer intelligence engine
Powered by the Youtap Customer Intelligence Engine
The Youtap Customer Intelligence Engine continuously analyses customer activity across the platform to deliver intelligent automation, personalised experiences, customer insights and next-best actions — helping organisations deliver smarter customer engagement at enterprise scale.
Scroll through the cards
01 · Launch
Launch new digital services faster
Use modular banking, payment, commerce and engagement capabilities to bring new customer propositions to market without rebuilding core infrastructure.
Modular digital banking, payments and commerce building blocks
Pre-built customer experiences for banking, telco and retail
Configurable brand, product and market variants
02 · Integrate
Connect with existing enterprise systems
Integrate Youtap with core banking, payment, CRM, identity and commerce systems through secure APIs and enterprise integration services.
API-first integration with core banking and payment systems
Secure connectivity to CRM, identity and data platforms
Enterprise integration services for complex environments
03 · Engage
Create more valuable customer relationships
Combine transactions, loyalty, campaigns, personalisation and AI to deliver relevant experiences throughout the customer lifecycle.
Unified customer, transaction and engagement data
AI-powered personalisation and next-best action
Loyalty, campaigns and rewards across every channel
04 · Scale
Scale securely across brands and markets
Deploy cloud-native services across products, business units and countries with the security, resilience and operational control required by enterprise organisations.
Cloud-native architecture built for enterprise scale
Security, resilience and operational controls by design
Multi-brand, multi-market deployment support
Industries
Built for organisations that serve millions of customers
Whether launching a digital bank, transforming a payment ecosystem, modernising a telecommunications wallet or connecting loyalty across multiple retail brands, Youtap provides the enterprise platform to accelerate customer growth.
BFSI
Grow deeper banking relationships
Increase engagement, customer lifetime value and transaction activity through digital banking, payments, merchant services, loyalty and personalised experiences.
Explore banking solutionsBanking overviewThis month
Deposits
$128.4M
▲ 8.2%
Accounts
86.4K
▲ 3.1K
Settlement success99.2%
Telco
Turn subscribers into a payments business
Embed wallets, payments and loyalty directly in your app to grow ARPU, retention and new revenue across your entire subscriber base.
Explore telco solutionsSubscriber walletsThis month
Active wallets
2.4M
▲ 12.3%
ARPU uplift
+18%
▲ 2.4pt
Top-up success99.5%
Retail
Connect commerce, payments and loyalty
Unify online, in-store and in-app commerce with payments and loyalty to lift basket size, purchase frequency and customer lifetime value.
Explore retail solutionsRetail overviewThis month
GMV
$92.7M
▲ 9.4%
Members
1.2M
▲ 6.0%
Repeat purchase rate41%
Transit
Move riders with tap-to-pay
Open- and closed-loop transit payments with account-based ticketing, fare capping and multi-modal support across networks.
Explore transit solutionsTransit overviewToday
Daily taps
3.8M
▲ 5.1%
Fare revenue
$4.1M
▲ 2.7%
Tap success99.8%
Enterprise architecture
Connecting every customer interaction
Customers don't think in banking systems, payment platforms or loyalty programmes — they simply experience your brand. Youtap connects every interaction across banking, payments, wallets, loyalty and merchant commerce into one enterprise platform.
Shared core
Youtap Cloud
Microservices · APIs · shared services
YouBank
Cloud-native digital banking for retail, commercial and digital banks.
YouPay
Enterprise payments, wallets and transaction services.
YouAccept
Merchant onboarding, acceptance and settlement.
YouTravel
Multi-currency travel wallets, card programmes and contactless transit.
YouReward
AI-enabled loyalty, rewards and customer engagement.
YouShop
SME merchant platform for point of sale, inventory, ordering and payments.
Deploy the modules you need individually — or combine all six through one shared cloud-native architecture.
Why Youtap
Why organisations choose Youtap
One enterprise platform to launch, grow and scale customer relationships.
Launch faster
Bring new digital services to market in weeks, not years.
Acquire customers
Onboard and convert new customers at scale.
Improve retention
Keep customers engaged, active and loyal.
Grow volumes
Drive more transaction activity across every channel.
Personalise everything
AI-driven experiences and next-best actions.
Integrate simply
One API into your core banking and payment systems.
Unlock revenue
New products and monetisation opportunities.
Insights
Latest from Youtap
Engineering deep-dives, product updates and company news from across the platform.
The digital wallet as your customer's financial home
A payment feature is a tool; a financial home is a relationship. Why the wallet's real power is becoming the place a customer's financial life lives.
Where payments are heading — and how to be ready for it
Rather than guess, follow what's already happening at scale. Three shifts in payments that are well underway — and what being ready actually means.
Before you license a payments platform, ask these security questions
The part that can hurt you isn't the product — it's the foundation you can't see in a demo. The security and compliance questions to ask any platform vendor.
Questions
Frequently asked questions
Enterprise organisations often ask how Youtap helps acquire, engage and retain customers, how the platform integrates with existing systems and what makes it different. Here are the answers to the questions we're asked most.
Youtap is one cloud-native enterprise platform that combines banking, payments, loyalty and commerce — with AI and intelligent agents that help organisations acquire, engage and retain customers, all issued under your brand.
Banks and financial institutions, telecommunications providers, retail conglomerates, transit and travel operators, fintechs and payment processors — across both established and emerging markets.
Six integrated modules — YouBank, YouPay, YouAccept, YouTravel, YouReward and YouShop — deployed individually or combined through one shared cloud-native architecture.
Yes. Youtap integrates with core banking, payment, CRM, identity and data platforms through secure, API-first connectivity and enterprise integration services.
Absolutely. Each module runs independently on the same cloud-native core, so you can start with one and add others later without re-integrating.
By unifying customer, transaction and engagement data and applying AI-driven personalisation, loyalty and next-best actions across every channel.
One platform — issued under your brand — spanning banking, payments, loyalty and commerce, with AI embedded throughout and enterprise-grade security and compliance built in.
Yes. Youtap is built for regulated financial services and large enterprises — with role-based access, audit trails, KYC/KYB and card-scheme support, and cloud-native scale.
Get started
Ready to get started?
Talk to our team, or explore the platform to see how Youtap fits your bank, telco or retail business.
One connected platform
Banking, payments, loyalty and commerce in a single cloud-native platform.
Platform overview