01
Customers use fintech apps day to day and abroad
Everyday spending and travel money move to apps that feel newer than yours.
Win back everyday bankingFOR BANKS, CREDIT UNIONS AND FINANCIAL INSTITUTIONS
Win back everyday banking, without replacing your core.
Youtap gives banks, credit unions and financial institutions a complete, white-label platform for loyalty, digital banking, payments, cards and travel, deployed under their own brand and connected to the core they already run.
PCI DSS compliantRuns on Microsoft Azure
What holds banks back.
02
Card spending goes on other banks’ cards
Without a reason to choose your card, customers use whichever is in front of them.
Reward customers for banking with you03
Business customers take payments elsewhere
Merchants use another provider to get paid, so their money and data sit somewhere else.
Serve business customers end to endWin back everyday banking.
Give customers a modern app and web dashboard for accounts, payments, savings, loans and travel, connected to your core. AI agents spot the customers who are drifting.
POWERED BY
YouBankYouPayYouTravelAI agents
- Accounts, cards, payments and savings goals in your app and online
- A travel wallet and card for spending abroad
- Offers that keep customers who are drifting
Reward customers for banking with you.
Points, cashback and tiers on card spending and everyday banking, in your app.
POWERED BY
YouReward
- Points and cashback on card spending
- Tiers that reward your best customers
- Offers that bring customers back
Serve business customers end to end.
Let business customers take payments, run their shop and get paid into their account with you.
POWERED BY
YouAcceptYouShop
- Cards, QR codes and wallets accepted
- Tills, stock and online orders in the business app
- Payments settle into their account with you
AI AGENTS FOR BANKS
AI that keeps customers banking with you.
AI agents notice when customers start using you less, suggest the right next product, and show your team which offers work. Risk scoring and fraud checks use the same data.
- Spot customers who are drifting, from signs like fewer logins
- Offer the right next product: a savings goal, a loan or a card upgrade
- See which offers keep customers
How banks use Youtap.
RETAIL BANK
Savings goals in the app.
A retail bank lets customers set savings goals in its app and online banking, and tracks their progress with them.
- What they launched
- Savings goals in the app
- Where customers use it
- In the bank’s app and online banking
- The result
- More customers saving with the bank
MODULES USED
YouBank
RETAIL BANK
A travel wallet in the banking app.
A retail bank adds a multi-currency wallet and travel card to its app, so customers hold, exchange and spend currencies abroad with the bank.
- What they launched
- A travel wallet and card
- Where customers use it
- In the bank’s app and abroad
- The result
- Travel spending stays with the bank
MODULES USED
YouBankYouTravel
BUSINESS BANK
Payments for business customers.
A business bank lets its business customers take card, QR and wallet payments, run their shop, and get paid into their account with the bank.
- What they launched
- Payments and shop tools for business customers
- Where customers use it
- In their shops and the business app
- The result
- Business payments stay with the bank
MODULES USED
YouAcceptYouShop
NEW DIGITAL BANK
A new digital bank in a box.
A new bank brand launches with Bank in a Box: accounts, cards, payments and onboarding, on a cloud-native core built with Mambu.
- What they launched
- A new digital bank
- Where customers use it
- In its app and online
- The result
- A full banking product under one contract
MODULES USED
YouBank (Bank in a Box)
Illustrative examples
Built for every kind of bank.
Retail banks
A modern app, rewards and travel wallets for everyday customers.
Business banks
Payments, approvals and merchant tools for business customers.
Credit unions
Digital banking for members, without a branch visit.
New digital banks
Launch a new bank brand with Bank in a Box, built with Mambu, or build on our APIs as a fintech.
Works with your current systems.
Youtap connects to your core banking, card, CRM and identity systems with secure APIs, with KYC and AML checks, audit trails and regulatory reporting built in. Customers then see accounts, rewards and payments in your app.
One API to connect
Connect once to your core banking, card and CRM systems.
Keep your current systems
Youtap adds digital banking, rewards and payments alongside your core. You do not need to replace anything.
Keeps your core
Balances and customer details stay in step with your core banking system.
Already on Youtap?
If you already use a Youtap solution, the others use the same system. You do not need to connect again.
Banking FAQ
Answers to common questions.
01
No. Youtap connects to your core banking system through APIs and events, so you add new products without replacing it.
02
Yours. The app, cards, rewards and payments carry your name and design. Youtap stays behind the scenes.
03
Yes. YouTravel adds a multi-currency travel wallet and card to your app, so customers hold, exchange and spend currencies abroad with you.
04
AI agents notice when customers start using you less, such as fewer logins or card payments, suggest the right next product, and show your team which offers keep customers.
05
Yes. You can start with one, such as rewards or the travel wallet, and add others later on the same connection, without integrating again.
06
It depends on the solutions you choose and the systems we connect to. A dedicated team delivers in two-week sprints, and we agree the timeline with you during discovery.
07
Retail and business banks, credit unions, new digital banks and fintechs. Bank in a Box suits institutions launching a new bank brand.
Talk to us about your customers.
Tell us what you want customers to do more of. We will show you how Youtap would work in your app, under your brand.
Or email [email protected]