Digital banking for growing markets

Banking on the
aspirational

 
 
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Digital banking for growing markets

Banking on the
aspirational

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A toolset for progressive banks and financial service providers

Multi-account platform

Supports definition of multiple account types per user, such as everyday accounts, savings, and loan accounts. Additional supports multiple users per account such as family and joint accounts.

E-money Wallet

Our skinnable e-money wallet framework enables banks and financial service providers to quickly deploy an app – and other channels – in the market, giving a new mass market of users easy access to everyday use cases.

eKYC

Capture customer details and validate against integrated central ID DB’s if necessary. Up to 4 photos to confirm identity: profile, ID, holding ID, holding ID in front of store (for merchants). KYC information tiers classify feature, function, and account and transfer limits.

Mobile Banking

Review transactions, transfer funds between e-money accounts and to/from e-money accounts to bank accounts, send money to other users, and apply for financial services.

Online Banking

Skinnable web application framework for users to view their accounts, transfer funds between accounts or to other users, and apply for financial services such as loans and savings accounts.

Agent Banking

Offer lightweight digital banking services in the field with an agent app that enable users to securely register for services in real-time, deposit and withdrawal funds, and pay bills and airtime top ups.

Mobile Utility Payments

Make utility bill payments, insurance payments, subscription payments, and topup airtime/data via app, online, and other channels.

P2P Transfers

Real-time wallet-to-wallet money transfer and settlement via app, feature phone, or over the counter with an agent. Supports transfers to offnet users via messages to register for receipt of funds.

Merchant Payments

Pay securely and easily in store with an e-money wallet via QR codes, NFC companion cards or phone number, creating an everyday use case and increased e-money usage.

Online Payments

Connect seamlessly with e-commerce gateways to allow users to pay online using their e-money wallets and mobile phone.

Disbursements

Enable enterprises and NGOs to distribute subsidies and salaries direct to e-money wallets. Reduce misuse of funds by cultivating a network of approved merchants and sellers and limits on end-user accounts.

Credit Assessment

Combine new e-money wallet data and standard assessment rules to establish credit scores for merchants and consumers where is wasn’t previously available. Enrich scoring with alternative data sources from partner solutions.

A toolset for progressive banks and financial service providers

Multi-account platform

Supports definition of multiple account types per user, such as everyday accounts, savings, and loan accounts. Additional supports multiple users per account such as family and joint accounts.

E-money Wallet

Our skinnable e-money wallet framework enables banks and financial service providers to quickly deploy an app – and other channels – in the market, giving a new mass market of users easy access to everyday use cases.

eKYC

Capture customer details and validate against integrated central ID DB’s if necessary. Up to 4 photos to confirm identity: profile, ID, holding ID, holding ID in front of store (for merchants). KYC information tiers classify feature, function, and account and transfer limits.

Mobile Banking

Review transactions, transfer funds between e-money accounts and to/from e-money accounts to bank accounts, send money to other users, and apply for financial services.

Online Banking

Skinnable web application framework for users to view their accounts, transfer funds between accounts or to other users, and apply for financial services such as loans and savings accounts.

Agent Banking

Offer lightweight digital banking services in the field with an agent app that enable users to securely register for services in real-time, deposit and withdrawal funds, and pay bills and airtime top ups.

Mobile Utility Payments

Make utility bill payments, insurance payments, subscription payments, and topup airtime/data via app, online, and other channels.

P2P Transfers

Real-time wallet-to-wallet money transfer and settlement via app, feature phone, or over the counter with an agent. Supports transfers to offnet users via messages to register for receipt of funds.

Merchant Payments

Pay securely and easily in store with an e-money wallet via QR codes, NFC companion cards or phone number, creating an everyday use case and increased e-money usage.

Online Payments

Connect seamlessly with e-commerce gateways to allow users to pay online using their e-money wallets and mobile phone.

Disbursements

Enable enterprises and NGOs to distribute subsidies and salaries direct to e-money wallets. Reduce misuse of funds by cultivating a network of approved merchants and sellers and limits on end-user accounts.

Credit Assessment

Combine new e-money wallet data and standard assessment rules to establish credit scores for merchants and consumers where is wasn’t previously available. Enrich scoring with alternative data sources from partner solutions.

Extend banking into untapped markets

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  • No branches? No problem

    Youtap Digital Banking product allows you to meet the needs of the mass market through branchless banking without the traditional costs of rolling out a banking network.

  • Account Registration made easy

    A toolset and templates that make possible real-time registrations, including KYC validation and account approvals.

  • Punch above your weight

    Lightweight banking and everything users expect at a traditional bank – from money transfer to wage payments.

Extend banking into untapped markets

Image
  • No branches? No problem

    Youtap Digital Banking product allows you to meet the needs of the mass market through branchless banking without the traditional costs of rolling out a banking network.

  • Account Registration made easy

    A toolset and templates that make possible real-time registrations, including KYC validation and account approvals.

  • Punch above your weight

    Lightweight banking and everything users expect at a traditional bank – from money transfer to wage payments.

Finance for aspirational customers

  • Issue with assurance

    Issue business growth, working capital or personal loans to merchants and users based on credit scoring based modelled from transaction activity.

  • Simple credit scoring and assessment

    Combine e-money wallet usage data and standard assessment rules to establish credit scores for merchants and consumers which was previously unavailable. Enrich these scores with alternative data sources from partner solutions.

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Finance for aspirational customers

  • Issue with assurance

    Issue business growth, working capital or personal loans to merchants and users based on credit scoring based modelled from transaction activity.

  • Simple credit scoring and assessment

    Combine e-money wallet usage data and standard assessment rules to establish credit scores for merchants and consumers where is wasn’t previously available. Enrich these scores with alternative data sources from partner solutions.

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Take costs out of  disbursements and transfers

  • Transfer and pay with ease

    Enable real-time P2P transfers between users and accounts. Also offer digital bill payments and mobile collections powered by e-money.

  • Make sure funds get where they need to go

    Enable enterprises and NGOs to distribute funds and salaries digitally while also preventing misuse through managed acceptance.

Take costs out of  disbursements and transfers

  • Transfer and pay with ease

    Enable real-time P2P transfers between users and accounts. Also offer digital bill payments and mobile collections powered by e-money.

  • Make sure funds get where they need to go

    Enable enterprises and NGOs to distribute funds and salaries digitally while also preventing misuse through managed acceptance.

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Get to market quickly, and with agility

  • White-label apps

    Premium payment, merchant, and wallet applications, with a skinnable framework to front your digital bank offering.

  • High throughput and real-time agility

    We provide our high-throughput real-time e-money platforms direct to banks that are struggling to meet market demands with core banking systems.

  • Low-touch integration

    A low-touch integration to core banking for settlement and other services leaves digital teams with the freedom to move quickly and innovate.

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Get to market quickly, and with agility

  • White-label apps

    Premium payment, merchant, and wallet applications, with a skinnable framework to front your digital bank offering.

  • High throughput and real-time agility

    We provide our high-throughput real-time e-money platforms direct to banks that are struggling to meet market demands with core banking systems.

  • Low-touch integration

    A low-touch integration to core banking for settlement and other services leaves digital teams with the freedom to move quickly and innovate.

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Where to from here?

Are you a progressive bank or financial service provider?

Free yourself from your usual constraints; our Digital Banking product is ready to go-to-market with you.

Enquire today

Where to from here?

Are you a progressive bank or financial service provider?

Free yourself from your usual constraints; our Digital Banking product is ready to go-to-market with you.

Enquire today