Digital banking for
growing markets

Solve your bank's digitalisation challenges and get to market quickly. Offer SMEs and new customers better user experiences through our modular architecture, simple API integrations and easily customisable interface.

 
 
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Digital banking for growing markets

Solve your bank's digitisation challenges and get to market quickly. Our modular architecture enables easy customisation, simple API integrations and better user experiences.
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Platform overview

An open banking toolset for progressive banks and financial service providers

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

Low-touch open banking approach

Low-touch integration to core banking for settlement and other services that conforms to secure standards such as ISO-8583, E2E encryption, and restful HTTPS API’s provides digital teams with the confidence and freedom to move quickly and innovate.

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.

AI assistance

A banking platform that can learn your customer’s behaviours, knows their goals and makes AI-driven recommendations to introduce new services and increase their financial wellbeing. ​

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.

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.

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.

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.

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.

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.

Mobile Utility Payments

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

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.

Platform overview

An open banking toolset for progressive banks and financial service providers

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

Low-touch open banking approach

Low-touch integration to core banking for settlement and other services that conforms to secure standards such as ISO-8583, E2E encryption, and restful HTTPS API’s provides digital teams with the confidence and freedom to move quickly and innovate.

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.

AI assistance

A banking platform that can learn your customer’s behaviours, knows their goals and makes AI-driven recommendations to introduce new services and increase their financial wellbeing. ​

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.

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.

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.

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.

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.

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.

Mobile Utility Payments

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

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.

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.

Open banking

Develop new channels for revenue with Open Banking APIs, easily enhance your service offerings and increase customer engagement.
  • Adapt to changing markets

    Leverage Open Banking APIs for fast and flexible digital product creation allowing you to quickly meet the wants of existing and prospective customers alike.

  • Cost-effective innovation

    The Youtap Digital Banking Platform works with your existing environment for fast, low risk innovation without the need to update core systems.

  • Increase revenue from new channels

    Forge strategic partnerships and leverage your data for diversified revenue.

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Open banking

Develop new channels for revenue with Open Banking APIs, easily enhance your service offerings and increase customer engagement.
  • Adapt to changing markets

    Leverage Open Banking APIs for fast and flexible digital product creation allowing you to quickly meet the wants of existing and prospective customers alike.

  • Cost-effective innovation

    The Youtap Digital Banking Platform works with your existing environment for fast, low risk innovation without the need to update core systems.

  • Increase revenue from new channels

    Forge strategic partnerships and leverage your data for diversified revenue.

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SME banking

Capture the SME market and help build your customers businesses with a full suite of merchant growth tools.
  • Profitable long term relationships

    Entice new customers through innovative SME tools and foster loyalty by leveraging their data to provide better products and lower cost of capital loans.

  • Rich features for business growth

    From self onboarding, a complete small business POS app, inventory management, invoicing and business insights to multi-currency accounts enabling better cross border commerce.
    Learn more about the Youtap POS app here

  • Their business, banked their way

    Merchants can accept cash, card and e-money all directly settled into their account with further full ability to setup and manage their financial products.

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SME banking

Capture the SME market and help build your customers businesses with a full suite of merchant growth tools.
  • Profitable long term relationships

    Entice new customers through innovative SME tools and foster loyalty by leveraging their data to provide better products and lower cost of capital loans.

  • Rich features for business growth

    From self onboarding, POS solutions, inventory management, invoicing and business insights to multi-currency accounts enabling better cross border commerce.

  • Their business, banked their way

    Merchants can accept cash, card and e-money all directly settled into their account with further full ability to setup and manage their financial products.

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Agency banking

Extend your offerings into untapped markets through branchless banking.
  • Increase your customer base and build new relationships

    The Youtap Digital Banking product allows you to meet the needs of the mass market through branchless banking. Easily onboard customers with eKYC, photo and digital data capture of new account applicants.

  • Reduce costs

    Expand your business while avoiding the large investment and complexity involved in new branches. Digitally empowered agents limit paper-based processing and reduce fraud.

  • Punch above your weight

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

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Agency banking

Extend your offerings into untapped markets through branchless banking.
  • Increase your customer base and build new relationships

    The Youtap Digital Banking product allows you to meet the needs of the mass market through branchless banking. Easily onboard customers with eKYC, photo and digital data capture of new account applicants.

  • Reduce costs

    Expand your business while avoiding the large investment and complexity involved in new branches. Digitally empowered agents limit paper-based processing and reduce fraud.

  • Punch above your weight

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

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Digital wallet

Offer a feature-rich, secure, intuitive, simple and convenient payment experience to customers seamlessly connected to your core systems via Youtap Banking API’s.
  • Easy customer onboarding

    A toolset and templates that make possible real-time registrations, including KYC validation and account approvals. Set custom customer access levels depending on amount of KYC provided.

  • Transfers

    Wallet users can transfer wallet to wallet and wallet to bank account. Customers can also make multiple types of transactions from bill payments, merchant payments, mobile phone payments, NFC, QR code and OTP based payments.

  • New customer data

    Gather critical customer insights to better cross sell and tailor offerings to customer groups based on their in wallet behaviours.

  • Disbursements

    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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Digital wallet

Offer a feature-rich, secure, intuitive, simple and convenient payment experience to customers seamlessly connected to your core systems via Youtap Banking API’s.
  • Easy customer onboarding

    A toolset and templates that make possible real-time registrations, including KYC validation and account approvals. Set custom customer access levels depending on amount of KYC provided.

  • Transfers

    Wallet users can transfer wallet to wallet and wallet to bank account. Customers can also make multiple types of transactions from bill payments, merchant payments, mobile phone payments, NFC, QR code and OTP based payments.

  • New customer data

    Gather critical customer insights to better cross sell and tailor offerings to customer groups based on their in wallet behaviours.

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Credit and loans

Fast and convenient lending options deliver your borrowers a better experience.
  • 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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Credit and loans

Fast and convenient lending options deliver your borrowers a better experience.
  • 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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Better omnichannel customer experiences

Simultaneously roll out fully integrated and scalable products across mobile, online and agency channels. Deliver rich features, seamless interactions and cohesive experiences to exceed customer expectations.

Better omnichannel customer experiences

Simultaneously roll out fully integrated and scalable products across mobile, online and agency channels. Deliver rich features, seamless interactions and cohesive experiences to exceed customer expectations.
  • Maximise digital engagement

    Wherever and however your customers choose to engage, our white label platfrom delivers a consistent and cohesive branded experience across channels.

  • A competitive edge through experience

    Our cutting-edge technology blended with human-centered experience design allows you to attract, retain and engage customers like never before.

  • Widget based interfaces

    Out-of-the-box solutions offer accelerated implementation, while personalised UI and custom product creation delivers a truly defensible experience for your bank.

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  • Maximise digital engagement

    Wherever and however your customers choose to engage, our white label platfrom delivers a consistent and cohesive branded experience across channels.

  • A competitive edge through experience

    Our cutting-edge technology blended with human-centered experience design allows you to attract, retain and engage customers like never before.

  • Widget based interfaces

    Out-of-the-box solutions offer accelerated implementation, while personalised UI and custom product creation delivers a truly defensible experience for your bank.

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Deploy your way

The Youtap Digital Banking Solution can deliver the same secure, light-speed and responsive performance both from cloud and on premise.

Deploy your way

The Youtap Digital Banking Solution can deliver the same secure, light-speed and responsive performance both from cloud and on premise.
  • Reduce costs, get to market quicker and scale

    Minimise your hardware, maintenance and development costs with our cloud-deployed solution. While also accessing speed of new product deployment and ability to infinitely scale.

  • On premise ready

    Our same light speed platform can be deployed from on premise servers

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  • Reduce costs, get to market quicker and scale

    Minimise your hardware, maintenance and development costs with our cloud-deployed solution. While also accessing speed of new product deployment and ability to infinitely scale.

  • On premise ready

    Our same light speed performance can be deployed from on premise servers.

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Future proof your bank

Get to market quickly and with agility. Accelerate your digital transformation and enhance your customer’s digital banking experience.

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