YouBank is a cloud-native digital banking platform that works with your existing core. Launch retail, business and mobile banking under your brand.
For banks and financial institutions
YouBank is Youtap’s cloud-native digital banking platform, helping commercial banks, community banks and financial institutions deliver secure digital banking across mobile, web and API channels while integrating with existing core banking systems — extending, not replacing, existing technology investments.
Deploy digital banking capabilities through modular services that integrate with your existing banking technology.
YouBank acts as a modern digital layer on top of existing banking infrastructure, protecting prior technology investments while unlocking new customer engagement, payments and AI capabilities.
Deliver modern banking experiences across mobile, web and assisted channels while protecting existing technology investments.
Your brand, your colours, your name, with full theme configuration from the admin portal.
Digital onboarding for personal and business customers, with KYC, KYB and AML screening done online, and multiple account types, currencies and sub-accounts with real-time balances.
Mobile and web account opening with biometric verification, document scanning and liveness checks.
Multiple account types, currencies and hierarchies, with real-time balances and sub-accounts in one app.
Onboarding for individuals, sole traders, SMEs and corporates, with automated director checks and beneficial ownership verification for business accounts.
Domestic, international, P2P, QR and recurring payments, card controls, goal-based savings and AI-driven spending insights, across iOS, Android and responsive web banking.
Domestic and international payments, with debit, prepaid and travel card programmes, instant virtual issuance, spend controls, freeze and PIN management.
Goal-based savings, sub-accounts and configurable term deposits, with rate management, rollovers and maturity alerts.
AI-powered spending categorisation, budgets and real-time transaction alerts, with contextual nudges that turn everyday banking into ongoing engagement.
Talk to us about everyday banking
Digital loan origination for personal, home, car, SME and corporate lending, with automated credit scoring, configurable credit policies, approval workflows and digital disbursement into the customer’s account.
Retail loan origination with automated credit scoring, document collection and conditional approval.
SME and corporate loan origination with configurable credit policies, collateral management and covenant tracking.
Automated credit scoring and approval workflows that follow the credit policies you configure.
One portal for your team to configure products and pricing, approve applications, serve customers across branch, contact centre and digital channels, and act on churn risk, with your brand’s colours and logo applied across the app and the dashboard.
Configure account types, fees, rates and limits, with a product factory for new savings, lending and card products.
Approval workflows, digital teller and branch tools, and a 360-degree customer view for relationship managers.
Engagement tracking and churn prediction that trigger automated retention campaigns and personalised cross-sell offers.
Bank in a Box
Built with Mambu
For banks launching a new digital brand, Bank in a Box combines YouBank with Mambu’s cloud-native core banking platform through a single deployment package from one supplier: configurable for your brand and markets, multi-country and continuously updated.
Local and international payments, plus debit, prepaid and travel cards.
Accounts and savings that customers can open on their phone.
Loyalty and rewards built into everyday banking.
Identity checks and security controls that help you meet banking rules.
AI insights and nudges that help customers manage their money.
Retail banks can bring branch, web and mobile onto one customer view, with digital account opening, savings and term deposits, digital lending and retention journeys that increase customer lifetime value across the retail base.
Business banks can serve sole traders, SMEs and corporates with digital KYB onboarding, commercial lending, cash management, corporate cards, trade finance and business analytics with cash-flow forecasting, deepening commercial relationships on one platform.
Credit unions can deliver modern digital banking, payments and engagement to their members, with online joining, savings and term deposits, and loans managed in the app, integrating securely with existing systems.
New digital banks can launch on cloud-native architecture with configurable products and channels, using Bank in a Box to combine YouBank with a cloud-native core in one deployment package.
YouBank protects every customer and every payment, runs on Microsoft Azure with region-aware deployment and multi-region resilience, and connects to your core without putting it at risk.
AML screening and full audit trails, designed to work alongside your existing identity, compliance and risk platforms.
Biometric login in the mobile app, with security controls that help you meet banking rules.
People and businesses verify their identity when they join, with anti-money-laundering (AML) checks at the level each account needs.
API-first connectors and event-driven synchronisation keep YouBank in step with your core banking system of record.
Region-aware deployment on Microsoft Azure supports data residency, regulatory and resilience requirements.
Composable modules deploy independently, so you add capabilities in the order that suits your roadmap: retail banking today, business banking next.
YouBank integrates with existing core banking systems, CRM, identity, KYC and AML, payment infrastructure and enterprise APIs, extending the platforms your bank already depends on without replacing them.
API-first connectors integrate with widely used core banking systems, alongside CRM, identity and payment infrastructure, protecting existing technology investments.
Event-driven synchronisation keeps balances, transactions and customer data aligned with your system of record across every digital channel.
Move products, customer segments and channels onto YouBank in stages, and retire legacy systems on a managed timeline.
If you already use another Youtap module, YouBank uses the same system. You do not need to connect again.
YouBank is Youtap’s cloud-native digital banking platform. It helps commercial banks, community banks, credit unions and other financial institutions deliver secure digital banking across mobile, web and API channels while integrating with their existing core banking systems.
No. A core banking system manages accounts, ledgers and transaction processing. YouBank extends the core with modern customer experiences, digital channels, payments, customer engagement and new digital services, without the core being replaced.
Through API-first connectors and event-driven synchronisation that keep balances, transactions and customer data aligned with your system of record, alongside your payment infrastructure, identity providers and enterprise systems.
Bank in a Box is a packaged deployment for banks launching a new digital brand. Built with Mambu, it combines YouBank with Mambu’s cloud-native core banking platform in one package, from one supplier, configurable for your brand and markets, multi-country and continuously updated.
Yes. YouBank’s modules deploy independently, so you can move products, customer segments and channels onto YouBank in stages and add capabilities in the order that suits your roadmap, without switching everything at once.
Yes. Digital, retail and business banking run on one configurable platform, from personal accounts, savings and loans to KYB onboarding for sole traders, SMEs and corporates, commercial lending, cash management and trade finance.
YouBank runs on Microsoft Azure with region-aware deployment options, supporting data residency, regulatory and resilience requirements.
YouBank is a digital banking platform: onboarding, accounts, savings, lending and the bank’s customer channels, working with your core banking system. YouPay is an enterprise payments platform: wallets, transfers, cards and payment orchestration. YouBank includes payments and cards for its own customers, and YouPay adds wider payment services where you need them.
A digital banking platform enables financial institutions to deliver secure banking experiences across mobile, web and digital channels while integrating with existing core banking systems. It typically includes digital onboarding, payments, digital wallets, customer engagement, APIs and AI-enabled capabilities.
Talk to our banking specialists about how YouBank can extend your existing infrastructure and accelerate digital transformation.
Launch a complete digital bank with your brand, in one package.
APIs and events connect YouBank to your core banking and customer systems.