One Platform for Banking, Finance and Retail

One Financial Services platform with multiple customer-driven modules and applications transforming governments, banks, financial service providers and retailers globally.

Platforms

Digital Financial Services Platform

Youtap’s Digital Financial Services Platform is our cloud-based micro-services platform. You can select and launch a range of digital banking, digital payment, retail point of sale, and micro-finance applications.

The solution provides you with all of the modules and applications you require integrated into your core banking, National Payment Gateway, ERP or stand-alone, and the security, availability, and real-time transaction throughput you need.

We provide you with unlimited vertical integrations through well-defined APIs into your existing back-end systems or third-party service providers.

With our migration tools, it makes it simple to migrate data from existing platforms; we take the pain out of launching your new service so you can focus on the go-to-market.

Real-time Cloud based Switching

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.

Cloud based digital banking and payments
applications

One digital banking platform, multiple white-label solutions deployed in the cloud, with applications for consumer banking, business banking, digital wallet, payments and retail point of sale.

Card management

Digital Banking

Digital onboarding

Digital Payments

Rewards and loyalty

Youtap Digital Banking Platform

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

A platform independent switch with the capacity to process high volumes of banking, payments, and retail transaction in real-time.  The solution supports issuers and acquirers, real-time eMoney and Digital currency routing and processing, POS payment processing and switching, cash management, remittances, and a host of financial services use cases.

A single digital banking core and includes all the critical modules. Modules include account management for Consumer and Business Banking, security and fraud management, card issuing and payment processing, lending and micro-finance management, product creation and management, loyalty and rewards, reporting, and the white-label applications your bank requires when launching a digital banking service.

Our dedicated loyalty server manages assignment and acceptance of promotions, discounts, cash-backs and points for merchants and consumers. Time of day, time of week, one-off, recurring, random, single-use, multi-use promotions. The loyalty server includes an administrative interface for setup and management of campaigns.

Our remittance module enables 3rd party remitters to initiate and complete international transfer payments directly to/from the our Consumer, Business and Merchant Digital Wallet, or at the point-of-sale.

A flexible, mobile-orientated solution that enables retail and small business customers to originate and fulfill their requirements for short and medium-term finance.  The solution enables customers to personalize and launch a lending services in a matter of weeks.

A flexible, mobile-orientated solution for banks and financial service providers wanting to reward their business and retail customers.  Enables customers to self onboard, open savings and deposit accounts, and manage these accounts through powerful easy customized applications and portals.

Easily provide customers with the ability to self onboard, apply for multiple accounts and have these accounts appear in their internet and mobile applications.  Enable customers to self manage their accounts with preset templates and tools.

A single financial solution for Agri Banks, and Financial services providers.  The platform provides the applications and tools to onboard and manage farmers and their unique financial services requirements.  From the management of farming inputs (seed, stock, fertiliser etc), through to sale, disbursements and loan settlement, our solution enables your institution to be relevant to this critical market segment.

Youtap’s platform handles Scheme Card and eMoney processing for QR code, NFC, and EMV card transactions. Our integrated payment processing module enables eMoney Issuers, Banks and Payment Processors to quickly and economically setup, issue and process all types of cards and payment types.

Youtap’s card management module provides the service provider with all the tools they need to issue and maintain credit, debit, and stored-value cards. The solution includes BIN management, card range management, card issuing, black and whitelisting, print management, integration to our Consumer and Business digital wallet application for self-provisioning, ordering, and card management.

The Switch for Governments, Banks and Financial Services providers wanting to manage issuers and acquirers providing intelligent transaction routing, management and processing.  Designed for the Digital Currency future, the switch caters for eMoney, scheme card and new digital currency processing.

The solution provides integrated terminal management for in-store agency banking. Working with device partners for the management and provisioning of POS devices and POS device software updates.
The solution provides well documented APIs for integration to third party service providers, platforms and applications.
Youtap technology is integrated and trusted by world-leading retailers, transport operators, mobile operators, and banks – environments where security is paramount.

All data is encrypted, all access to data is via sophisticated rules and multi-tiered administration rights. All changes adhere to the principals of Maker Checker.
The platform is built on a high throughput microservices-based architecture. The solution allocates system resources based on application and priority. The solution is cloud-based and, as such, can be scaled automatically. Transactions per second volumes are configured based on application to support tens of thousands of transactions.
Based on the cloud, customers pay for what they use. Modules are turned on and not designed or integrated. Hardware, software and application updates are scheduled and performed automatically. Release cycles are monthly and don’t require downtime.
Deploy your way, the Youtap Platform delivers the same security, speed and responsiveness from both cloud and on-premise deployments.

The platform is deployed redundantly. In the event of any failure, traffic is routed to other processing servers until the fault is rectified. The solution is load balanced and is scaled based on load. In the event of a data center failure, traffic is routed to other data centers until the data center is back online.

Manage accounts, profiles, features, devices, services, fees, commissions, configurations, security and access control on the Youtap Platform and Youtap Digital Wallet using our White-label portals.

The solution provides inApp and portal analytics and reporting. We turn data into beautiful, full screen dashboards to share and present. Our Apps analyze customer behavior and provide them with inApp spend and save patterns to help decision making. We provide connectivity to all the data you care about for analysis, reporting, forecasting and 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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