2021 – the year of QR Codes and Merchant Payment

According to the GSMA, world digital payment transaction values are expected to hit 4.4 trillion [...]

Banking 1.0 vs. Digital Banking 4.0

Online banking or Banking 1.0 is a service provided by your bank that allows the [...]

Are you shooting in the dark? – Measuring Success in Digital Banking

You have done the hard yards. You have created a digital banking strategy and selected [...]

White-label Digital Banking and Finance Applications – its the smart move

If 2020 has taught us anything, businesses need to be lighter and faster and think [...]

Android POS terminals are merchant game-changers!

So, you’re in the market for a new POS terminal, or your existing vendor has [...]

Banks Closing Branches Globally – Digital Agency Banking is the pathway forward

Banks globally are closing thousands of branches each year. COVID or no COVID, the pandemic [...]

Embracing Digital Wallets 2.0

For years mobile wallet providers have gone to market with a limited feature set and [...]

MNO’s and eMoney wallet providers need to acquire and manage merchants

Is there sufficient focus on merchant payments across developing and developed markets to make cashless [...]

Why smart financial service providers are using the Cloud

With multiple banks and payment service providers (PSP’s) breaking from the tradition of owning their [...]

Discover the future of digital banking

Youtap is a trusted partner to deliver highly scalable real-time Digital Banking, Digital Payments, and [...]

Part 3: Digital Banking Applications is live!

Part 3 of our of 4 Part Series “What is a Digital Bank?” is officially [...]

QR Code Payments 101 with Youtap

China has utilized QR codes to send and receive payments since early 2010. 100% of [...]

Case Study – McDonald’s Indonesia

Background 2020 has been a year of global disruption – that none of us was [...]

Is it time to upgrade your core banking system?

Is your traditional core banking system delivering what you really need? A core banking system [...]

Are Digital Wallets all about payments?

Banks and Payment Service Providers (PSP) need to be thinking about their digital wallet strategy. [...]

Jakarta Post: Youtap Indonesia users increase 5x

Youtap Indonesia reported that it had seen a five-times increase in users and a 4.5-times [...]

Replacing your Traditional Banking Core with a Digital Wallet

October 2020 According to Forrester’s Global Financial Services Architecture Survey Q3 2019, nearly 80% of [...]

What lessons have challenger banks learnt?

They have a business model that is digital to the core.  Put simply you cannot [...]

COVID-19 is driving e-wallet adoption

Merchant acquisition across our customer base is accelerating with merchants moving away from cash acceptance [...]

Digital wallets are the rocket ships of 2020

This means that issuers and merchants should be adapting their business practices to prioritise these [...]

The case for why your MNO should offer financial services

In the early part of the 21st century, US company Walmart attempted to start a [...]

Adding value as a merchant acquirer

How merchants enable and streamline payment acceptance is now at the forefront of the shopping [...]

1 Comment

Payment-enabled Digital Transformation

In 2011 the National Bank of Rwanda (BNR) initiated a payment system implementation project (Hybrid [...]

Digital love: MSMEs and digital banking are a perfect match

A lot of ink has been spilt in recent times about the rise of neobanks [...]

Open Says Me: Open Banking Explained

In today’s era of disruption and transformation, open banking represents a fundamental shift in the [...]

Lego not Legacy – Taking a modular approach to banking.

A new raft of digital capabilities is driving ever more sophisticated sales and service experiences. [...]

Customer Experience (CX) as a service

Customer experience excellence, for all intents and purposes, has shifted from a nice-to-have to the [...]

Taking banking to the people – Agency Banking

According to the World Bank, only 31% – 60% of adults across Southeast Asia and [...]

The case for the consumerisation of merchant services

Product providers have grown up in a product and channel-centric world. market evolution has been [...]

Three Merchant Mindset Shifts in Payment Acceptance

Merchants are at the centre of a massive transformation in payment acceptance. Digital payments experiences [...]

The Robots are Coming: The AI revolution is upon us

Retail and consumer product organisations are entering a new phase of technological innovation — with [...]

Pay Later: The rise and rise of Buy Now Pay Later

No doubt you’ve heard of the likes of AfterPay and ZipPay, allowing customers to pay [...]

Go Beyond Points: A guide to creating awesome loyalty programs

It costs a lot less to keep existing customers than to earn new ones. One [...]

THE FUTURE OF RETAIL IN ASIA – Trends to watch in 2019

The Asian retail scene is no stranger to eyebrow-raising headlines. In the last 12 months [...]

Payments Data: Power up your business using payments insights

How payments data can help you grow your business using real-time research, performance optimization analysis [...]

Merchant Experience: Creating real value

Customer experience, or as it’s more commonly known these days, “CX”, has been a hot [...]

Payments Experience: How Providers can Enhance the Experience

When it comes to making payments, consumers care about the experience. They use person-to-person payments [...]

What the heck is a Mobile Wallet ?

A mobile wallet is a digital wallet that stores financial information and card data on [...]

Digital Wallets: Value and Customer Experience are not optional.

In an increasingly competitive area, wallets need to add value and drive a great experience [...]

UX is the secret sauce

Do the right thing, design with the user in mind. UX is the way to [...]

In the news: The Business Times (Singapore)

The Business Times (Singapore) asked Ray Ferguson, Youtap Chairman, for his thoughts on the risks and pitfalls people [...]

Mobile Payments: What is next? China has the answers

Mobile payments have taken the world by storm over the last few years. Looking ahead [...]

5 Things to Remember When Going Digital

Financial services CEOs want to transform to make their legacy financial institutions into digital-first operations [...]

Unbanked – The great fintech opportunity

About 1.7 billion people worldwide are unbanked, meaning they are without an account at a [...]

Four key benefits of mPOS in emerging markets

According to research firm Smart Insights, the mobile point of sale (mPOS) market is expected to [...]

Biometric Security: The logical end point for personal security?

By 2020, nearly all smart devices including mobile phones, tablets and wearables will have some [...]

This is why customer experience is key for Loyalty Programs

Research shows that monetary rewards are not the only driver for customer loyalty programs and [...]

What Generation Z want from mobile payments

Move over Millennials. Generation Z is on the scene and ready to leave their own mark [...]

Thinking about Merchant Onboarding

If you’re a merchant acquirer or payment service provider (PSP), merchant onboarding is key to [...]

How Fintech is Helping Southeast Asia’s Unbanked

Southeast Asia has shown itself to be one of the most rapidly advancing regions in [...]

Thinking about the Entire Customer Experience

Move beyond your point of sale  The global payments industry is flourishing, non-cash transactions volumes [...]

What Do Merchants Really Want?

Taking a look at merchants today Omnichannel shopping, expanding payment options, and increased security concerns [...]

The 3 Types of Customers in the Digital Retail Age

A digital revolution in retail shopping The most fundamental shift facing retailers is the digitisation [...]

Data is the “New Oil”

In 2018, FinTech has exploded. According to CB Insights in the first quarter of 2018, [...]

Cashless payments need more than NFC for global success

Between Alipay, Wechat Pay and other insert-company-name-here-plus-Pay solutions, it seems like many cashless payment apps [...]

Agency Banking is Bringing Financial Inclusion to the World

A new era of inclusion is here  According to a report by The World Bank, [...]

Is Supply Chain Finance the Next Step for SMEs in Emerging Markets?

What is supply chain finance? Supply chain finance (SCF) is another way to improve an [...]

The Case for Cashless

With brick and mortar retailers increasingly getting their lunch eaten by e-commerce, blockchain looming and [...]

5 Ways Blockchain is Disrupting Your Industry

In a previous blog, we have talked about the application of blockchain in supply chains [...]

4 Characteristics to Watch for With Supply Chain 2.0 – It’s Time for the Evolution of Supply Chain

The right product, at the right place, at the right time. The decades-old challenge of [...]

Bring your merchants on the journey

In part 1 and part 2 of our series on the cashless supply chain, we [...]

Blockchain and the supply chain – a love story in the making.

In our first blog on the future of cashless supply chains, we explored the immense [...]

Cash is costing you – The future of supply chains is cashless

Leakage, lack of transparency and a lack of access to credit are all supply chain [...]

Welcome to our new website

Youtap is proud to launch our new website, www.youtap.com. We have redesigned it with you [...]

Indonesia is the Next Cashless Payments Battleground

Picking a winner in Cashless Payments for Indonesia Indonesia is one of the hottest battlegrounds [...]

Mobile Money Growth: it takes an ecosystem

With more than 270 live mobile money services in 93 countries, the global expansion of [...]

Indonesian President on hand for inauguration of new transport service accepting TCASH

Riding and paying for the journey to Jakarta’s international airport just got even easier with [...]

Market opportunities in mobile money: Indonesia

A large percentage of Indonesia’s population has little or no access to formal financial services [...]

Breaking barriers with biometrics

Biometric transactions may soon replace cash payments: By 2022, mobile biometric solutions will authenticate more [...]

Mobile Money: From awareness to regular usage

In our previous blog, Building awareness & trust: The foundation of mobile money adoption, we [...]

Building awareness & trust: The foundation of mobile money adoption

While mobile money adoption is growing exponentially in some countries like Kenya, others are not [...]

Interoperability: The key to unlocking real value in mobile money services

The word “interoperability” in the mobile money sector generates different reactions from stakeholders. Some view [...]

Why NGOs should go cashless

During the last 16 years, over 3.5 billion people worldwide were affected by natural disasters [...]

5 Reasons why you should have rolled out contactless payments yesterday

Digital disruption is affecting many industries and payments is certainly not an exception. Merchants and [...]

QR Code payments – The need for speed in a fast moving payments industry

In this blog, we explain how the QR Code is becoming, not only one of [...]

Market opportunities in mobile money: Cote d’Ivoire

Ivorians are favouring mobile banking over traditional bank accounts when it comes to payments, savings [...]

Three common QR Code myths debunked

As a product manager, you may have come up against some common misconceptions around QR [...]

Market opportunities in mobile money: Senegal

With only 15% of Senegal’s adults with access to a traditional bank account, the country [...]

Why don’t small business owners accept digital payments?

According to the World Bank, there are around 400 million small and medium-sized enterprises worldwide. [...]

Market opportunities in mobile money: Tanzania

The mobile money revolution in Tanzania has been nothing short of impressive. Mobile money was [...]

Companion cards: Where do they fit with mobile money?

With so many payment options in the market – from NFC devices to wearable bracelets [...]

Are QR code payments secure?

QR code payment options have grown significantly over the last five years, on the back [...]

QR code payments: The fastest way to roll out digital payments in growth markets

What’s the potential for QR code payments in Africa and Asia? For banks and mobile [...]

Key Takeaways from the Financial Inclusion Summit 2017

Youtap is a sponsor at the Seamless East Africa event this week in Nairobi, Kenya. [...]

Three ways to speed up NFC transactions

For mobile money providers that want to increase transaction revenue through NFC payments, the top [...]

QR Codes:The innovation mobile money services can’t afford to ignore

QR codes have already transformed payments in China. They are becoming increasingly popular in India [...]

MTN Benin’s MoMoPay mobile money now accepted by Africabs

Africab passengers in Cotonou have an easier way to pay for their journeys. MTN Benin’s [...]

Nilson Report: Youtap Mobile POS Package

Youtap’s new X8 ‘micro’ point of sale solution for emerging markets has been featured in [...]

Airtel Money launches Tap and Go service in Zambia

Youtap’s customers continue to roll out Youtap’s payment platforms across Africa. Recently, Airtel Zambia launched [...]

Four Drivers of Change for Financial Inclusion in 2017

This open letter from Greta Bull at CGAP details 4 key drivers of change in [...]

Banks Need To Focus On A New Customer: The Unbanked

Article: Alan McIntyre, contributor at Forbes / Photo: Forbes.com When most people think about companies [...]

A better way to pay at the wet market

Youtap’s contactless payments platforms bring solutions to vendors in Bintaro, Indonesia.   At the wet [...]

Telkomsel’s TCASH wins Netizen Choice Brand Award

Congratulations to Telkomsel’s TCASH for receiving a 2017 Netizen Choice Brand Award from Indonesia’s economic [...]

Rwandan business owner chooses ‘tap and pay’

An innovative and eco-friendly company in Rwanda has chosen NFC-powered ‘tap and pay’ mobile money [...]

The mobile money opportunity in India

A new payments ecosystem emerging in India could see millions of people switch to cashless [...]

Launching contactless payments? Make sure NFC devices meet these standards

Contactless payments (whereby a customer simply taps a card on a reader) are becoming the [...]

Anyone, anywhere can be a merchant

Why the lack of a POS terminal is no longer a barrier to entry for [...]

Three reasons mobile money is set for a new wave of growth

Mobile money is taking the world by storm. This Youtap Solution Paper outlines several innovations [...]

Mobile Money on the rise in Africa as millions get phones

Millions of African depend on mobile money for daily activities like paying utility bills to [...]

Digital Finance and Emerging Economies

In a commentary for Fortune, James Manyika of McKinsey and Rodger Voorhies of the Bill [...]

Legitimising Mobile Money: Interoperability

Cash is ubiquitous, acceptance is universal, and it’s still preferred by both customer and merchant [...]

Mobile Networks Are Key to Global Financial Inclusion, Report Finds

With coordinated action, some 1.6 billion people could gain access to financial services by 2025, [...]

Cellphones, Not Banks, May Be Key to Finance in the Developing World

Following the release of a major new report from the McKinsey Global Institute, The New [...]

Access to banking: Critical to ending poverty

Deputy country director at United Nations Development Program Indonesia writes: Financial inclusion is an important [...]

Mobile Money Holds the Keys to Latin America

Latin America is one of the hottest emerging regions that can offer a tremendous opportunity [...]

Mobile Money in Latin America is a Hidden Goldmine

Mobile money in Latin America is a hidden goldmine as out of the 480 million adults [...]