Youtap Banking as a service Solution

The platform that enables your bank to launch new banks and financial service providers.

Banking As A Service

Youtap Banking as a service

Youtap’s Banking as a Service (BaaS) solution enables new banks and businesses to offer banking services to their customers through API access to core banking functions, white-label solutions, integration with other financial services, advanced security features, compliance with regulatory requirements, scalability, real-time data analytics and support for multiple currencies and languages. It allows businesses to increase efficiency, revenue potential, customer engagement, flexibility, scalability, and cost-effectiveness.

Benefits of our Banking as a Service Solution:

Increased efficiency: BaaS allows businesses to quickly and easily offer banking services to their customers without the need for significant capital investments or the need to build and maintain their own banking infrastructure.
Increased revenue potential: BaaS allows businesses to offer new services and revenue streams, such as lending and investment products.
Increased customer engagement: BaaS allows businesses to offer more convenient and personalized banking services to their customers.
Increased flexibility: BaaS allows businesses to quickly adapt to changing market conditions and customer needs.
Increased scalability: BaaS allows businesses to easily scale their banking services to accommodate changes in customer demand or business growth.
Cost-effective: BaaS can be a cost-effective way for businesses to offer banking services, as they do not have to invest in building and maintaining their own infrastructure.

Summary features of our Banking as a Service Solution:

API access to core banking functions such as account management, payments, and lending
White-label solutions that allow businesses to offer their own branded digital banking and loyalty services
Integration with other financial services such as digital wallets, investment platforms, and insurance
Advanced security features to protect customer information
Compliance with regulatory requirements
Scalable infrastructure to accommodate different business sizes and volume of transactions
Real-time data analytics to track customer behavior and preferences
Support for multiple currencies and languages

Standards based open banking platform
Rich APIs and SDKs for integration to third party service providers
Conforms to industry standard security and AML protocols
Cloud delivered

Integrated e-KYC applications based on IOS and Android
Support for Customer Identity verification (Passport, National ID, Drivers license, Social Security etc), Facial recognition, Biometric recognition
Configurable OTP password support
Configurable e-KYC parameters for data collection and validation
Configurable application feature support based on KYC levels
KYC administrator portal

Cross platform applications – IOS and Android ready
White-label ready to launch applications
Support for a range of applications including:
- Digital banking – Consumer and Business
- Account management Everyday, Savings, Loans etc
- Card application and management
- Payments (QR code, Scheme Card (ApplePay, GooglePay), e-Money payments)
- Bill payment and Agency banking
- Remittances and P2P transfer
- Spend management, insights and analytics
- Profile management and more

For Central banks launching Digital Currency or enabling e-Money Issuers, the platform provides Central banks with the features and functionality to enable centralized payment processing, management of payment providers including traditional scheme card processors, e-Money and digital currency issuers and processors to launch their service including regulatory licensing, e-Money switching and processing, AML/CFT, security and redundancy.
- Support for all payment types including Digital Currency, e-Money Issuers, Scheme Card Issuers and processors
- Least cost routing including On-Net and OffNet transactions
- High transaction throughput
- Defined and supported integration to Banks, Fintech and Payment Service providers
- Management portals and user friendly web interfaces
- Standards based with relevant security certifications
- Cloud delivered

POS Switching and Routing with translation tables
On-net and Off-net routing
APIs and ISO-8583 support for integration to banks and payment service providers
National Payment Gateway integration support
Scheme Card and e-Money routing for processing
Integrated terminal management system
High transaction throughput (TPS)
Cloud delivered

Support for Online and Instore payments
Scheme Card and e-Money processing with support for QR code, Contactless and traditional EMV payments
Configurable routing with On-net and Off-net translation tables
Standards based with support for ISO-20022 and ISO-8583
High transaction throughput (TPS)
Cloud delivered

White-label Ready to use applications for IOS and Android
Merchant onboarding and e-KYC verification
Supply chain management, Inventory management, Payment processing, Cash management, Financial management including accounting and working capital management, Loyalty and Campaign management, Insights and analytics and more
POS support for a variety of POS including Verifone, Ingenico, PAX, Aisino, NewPOS and others
Agency banking module for remote and branchless banking

Self onboarding and e-KYC
Configurable Application enabling financial service providers to provider in App lending and payment requests and processing
Applications for consumer lending, business lending, merchant lending, buy now pay later (BNPL) and laybuy
Support for IOS and Android
Configurable APIs for integration with any third party lending platform
In-App messaging and OTP messaging

Card issuing and cardholder management
BIN management
PIN generation
Virtual and Physical generation and management
Card printing file creation with encryption
Integration with Online Banking and Digital Wallet for card issuing and management
Reports and Analytics

Administration reports
Customer reporting and analytics
Merchant reporting and analytics
In-App customizable reports and analytics

Administration Portal
Customer Management Portal
Merchant Management Portal
Merchant Customer Portal
Consumer Customer Portal

Defined integrations to marketing leading core banking solutions including; Temenos T24, Oracle FlexCube, Mambu and more
Documented Rich APIs supporting integration into marketing leading third-party platforms
SDKs for integration into our micro services platform

Youtap Insights

Insights that drive digital transformation

Youtap

7 July, 2022

Open Banking Not Just A Bunch Of APIs

Traditionally, it has been difficult for consumers to share consistently and securely [sensitive] information with…

Youtap

16 March, 2023

Banking as a Service (BaaS) Revisited

Banking-as-a-Service (BaaS) is an evolving concept in the FinTech industry, enabling businesses to proffer their…

Youtap

16 March, 2023

Loyalty-as-a-Service (LaaS) is just FinTech speak for Loyalty

The world of FinTech is consumed with acronyms. Many as tagged with "as-a-Service" as if…

Youtap

16 March, 2023

The Future of Wallet-as-a-Service (WaaS) in Fintech

Fintech companies are at the forefront of the 4th Industrial Revolution, as digitization continues transforming…

One Digital Financial Services Platform

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

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Youtap Banking as a service Solution

Youtap Banking as a service

Benefits of our Banking as a Service Solution:

Summary features of our Banking as a Service Solution:

Youtap Insights

Open Banking Not Just A Bunch Of APIs

Banking as a Service (BaaS) Revisited

Loyalty-as-a-Service (LaaS) is just FinTech speak for Loyalty

The Future of Wallet-as-a-Service (WaaS) in Fintech

One Digital Financial Services Platform

Existing Banks

New Banks

Mobile Operators

Agricultural Banks

Financial Service providers

Retail

Contact Us &
Talk to our Team

Now you can tap your Financial Service into the future of Banking and Payments

GET MORE RESERVED ON:

Youtap Digital Banking

Banking as a Service

Agri Banking

Digital Wallet

Payment Aggregation and Processing

Financial Services

Payment Processors

Mobile money & Digital wallet providers

Youtap Insights

Products

Industries

Insights

Learn More

Want to discover more about Banking As A Service ? Just fill in your details below and we will keep you up to date with the latest information.

Contact Us

Talk to our team, complete the form below and we will be in touch shortly.

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Youtap Banking as a service Solution

Youtap Banking as a service

Benefits of our Banking as a Service Solution:

Summary features of our Banking as a Service Solution:

Youtap Insights

Open Banking Not Just A Bunch Of APIs

Banking as a Service (BaaS) Revisited

Loyalty-as-a-Service (LaaS) is just FinTech speak for Loyalty

The Future of Wallet-as-a-Service (WaaS) in Fintech

One Digital Financial Services Platform

Contact Us &Talk to our Team

Now you can tap your Financial Service into the future of Banking and Payments

GET MORE RESERVED ON:

Products

Industries

Insights

Learn More

Want to discover more about Banking As A Service ? Just fill in your details below and we will keep you up to date with the latest information.

Contact Us

Talk to our team, complete the form below and we will be in touch shortly.

Youtap uses cookies to offer you a better browsing experience. By browsing this website, you agree to our use of cookies.

Contact Us &
Talk to our Team