Dive into the world of seamless financial and retail services with Youtap

Youtap simplifies banking, finance, and retail by consolidating them into one user-friendly platform for seamless service delivery and improved customer experience.

Technology
Youtap Digital Banking

Cloud Services Architecture

Increase customer retention and unlock new possibilities with our comprehensive API-powered cloud platforms.

Youtap empowers global brands with cutting-edge API-driven platforms, fueling customer engagement and retention through innovative technology and data-driven insights. We specialize in crafting bespoke solutions for banking, finance, transport, retail, and agriculture, ensuring seamless integration and optimal performance. Whether you’re looking to launch a state-of-the-art digital product or need guidance on selecting the ideal tech stack for your next application, Youtap is your trusted technology partner.

Real-time Cloud based Switching

Youtap offers real-time financial processing through their cloud-based switching technology. This ensures quick and reliable services with low latency and high availability. Youtap’s infrastructure provides cost-efficiency, enhanced security, and scalability to meet growing demands. With Youtap’s real-time capabilities, companies can boost customer experience, decrease fraud risk, and increase revenue growth. Discover the benefits of Youtap today.

Real-time transaction processing, and transaction routing.  Real-time fraud, and AML monitoring and reporting.

Youtap utilizes a microservices architecture with a core session control as the real-time hub for all services. Our cloud-based architecture uses scalable containers to ensure that scalability, reliability, and performance are always maintained.

Youtap has adopted a cloud-based architecture used by thousands of organizations globally. Some of the world’s largest banks and financial service providers have adopted its cloud-based architecture, offering a high degree of scalability, security, and flexibility. Youtap’s solutions are deployed in PCI compliant data centers with ISO27001 certification providing the tools to automate and monitor all aspects of a customer’s cloud instance for compliance and reporting.

Our Capability

Youtap is your expert technology partner for creating custom software solutions and SuperApps. Our team of 200+ engineers offers full-stack expertise, from mobile and web development to cloud infrastructure and AI. We excel in agile project management, quality assurance, and UX/UI design, ensuring high-quality, reliable software tailored to your specific needs. Partner with Youtap to drive customer engagement, retention, and business growth through innovative technology.

Frontend and Backend Development: Android (Kotlin, Java), iOS (Swift), Cross-platform (React Native, Flutter), Web (React, Vue, Angular), and Backend (Java, Golang, Node.js, Kotlin).

Web Development: Frontend development using React, Vue, and Angular to create engaging user interfaces, coupled with robust backend development (Java, Golang, Node.js, Kotlin) for seamless data management and performance.

Cloud Services, FinOps & DevOps: Expertise in cloud technologies and DevOps practices to ensure scalability, reliability, and efficient deployment of your applications. Our FinOps team will ensure we optimize your cloud costs.

Quality Assurance: Rigorous testing and quality assurance processes throughout the software development lifecycle.

Agile Project Management: Employing agile methodologies to ensure flexibility, collaboration, and timely delivery.

UX/UI Design: Creating intuitive and user-friendly interfaces that enhance customer satisfaction.

Youtap Platforms and Solutions

Youtap’s expertise spans across key industries, including banking, finance, retail, transportation, mobile, and agriculture. Our platform empowers businesses in these sectors to launch applications including digital banking, digital wallets, travel cards, transport and fare collections, agricultural lending, savings and deposits, loyalty and rewards, payments and many more under their own brand. We provide a comprehensive suite of feature options using pre-built components. Youtap’s flexible platform enables businesses to seamlessly integrate and deploy innovative financial and retail services tailored to their specific needs and customer base.

Well-documented APIs for integrating to third-party service providers, platforms, and applications, from core banking systems to KYC services

White-label digital payments, point of sale and loyalty
applications

One Platform, Multiple Applications

Youtap simplifies transactions and boosts customer engagement with advanced payment processing, loyalty programs, and POS products. Our solutions integrate seamlessly with existing systems and streamlines transactions, leading to revenue growth and customer satisfaction. Join the future of retail with Youtap.

White-label Merchant Applications
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Payment Processing and Settlement
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Loyalty and Rewards
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This platform can process high volumes of banking, payments, and retail transactions in real-time. It supports a range of financial services including real-time eMoney and digital currency routing, POS payment processing and switching, cash management, and remittances.

Our digital banking core has all the essential modules for account management, security, card issuing, lending, rewards, and reporting, as well as white-label applications for launching a digital banking service.

We have a loyalty server for managing promotions, discounts, cash-backs, and points for merchants and consumers. It includes an administrative interface for campaign setup and management.

Create and launch your own Digital Wallet with integrated Loyalty and Rewards, and a companion Visa Card. It can function as a Digital Banking or Loyalty and Rewards solution, and can be upgraded to offer various financial services like deposits, lending, remittance, and merchant acceptance.

A mobile solution for retail and small businesses to get short and medium-term finance quickly. It lets customers personalize and launch a lending service in just a few weeks.

A mobile solution for banks & financial providers to reward customers. Customers can onboard, open accounts & manage through custom apps/portals.

Enable easy self-onboarding for customers to apply for multiple accounts and manage them via preset templates and tools in their internet/mobile applications.

Our platform offers financial services for farmers from managing inputs to loan settlement, making it easier for Agri Banks and financial service providers to serve this critical market.

Youtap platform processes various payment types like Scheme Card, eMoney, QR code, NFC and EMV card transactions. With our payment processing module, Banks, eMoney Issuers and Payment Processors can quickly and cost-effectively setup, issue and process cards and payments.

Youtap’s card management offers all the necessary tools for issuing and managing different types of cards like credit, debit and stored-value. These tools include card range, BIN and print management as well as integration with our digital wallet for self-provisioning, ordering and management.

Our switch manages issuers and acquirers for banks and financial service providers, providing intelligent transaction routing, management, and processing. It caters to eMoney, scheme card, and new digital currency processing, designed for the digital currency future.

The solution manages POS devices and software updates for in-store agency banking through partnerships with device providers.

The solution offers documented APIs for third-party integration.

Youtap technology is trusted by top retailers, transport operators, mobile operators, and banks who prioritize security. All data is encrypted and protected with multi-tiered access rules, adhering to Maker Checker principles.

The platform uses microservices architecture to allocate system resources based on application and priority. It is cloud-based and easily scalable to support tens of thousands of transactions per second.

Pay-as-you-go cloud model offers modules that are easily activated without design integration. Automatic scheduling of hardware, software, and application updates with monthly release cycles that don’t require downtime.

Youtap Platform is secure and responsive for both cloud and on-premise deployments.

The platform is resilient with redundant deployment, load balancing, and data center failover.

Control everything on Youtap Platform and Wallet with our White-label portals.

Our solution offers in-app and portal analytics and reporting, turning data into full-screen dashboards to visually share and analyze customer behavior, including in-app spending and saving patterns. We also provide easy access to all your data for better decision-making.

One Digital Financial Services Platform

One digital financial services platform, multiple white-label solutions deployed in the cloud, with applications for banking, finance and retail.

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