Open Banking As A Service (BaaS) Youtap

Open Banking as a service

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

Banking As A Service

Youtap Banking as a service

The cloud Banking as a Service platform for central banks looking for a national payment gateway and retail banks and financial service providers to partner with new banks, financial service providers, and customers wishing to launch innovative and market leading financial products.

Youtap’s Banking as a Service platform in the cloud enables you to offer Virtual Network Banking Offerings to new banks, financial service providers, fintechs and entrepreneurs wanting to launch their financial services in your market.

Integrated with your Core Banking, our modularized digital services platform extends your services out to these new financial service providers enabling you to transform and monetize your core assets.
Youtap Banking As A Service
  • 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


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…


23 November, 2022

Defining Customer Loyalty

Technological developments have made [FinTech] companies competitive. This competition has created an environment of innovation,…


16 November, 2022

Digital Wallets and Loyalty

Although digital wallets have been around for a few years, their adoption into mainstream payment…


16 November, 2022

Loyalty Programmes: An Omnipresent  Trend in Digital Wallets.

A pervasive consumer wariness lingers as digital wallets maintain their increasing presence in the digitalization…

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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Retail POS & Digital Banking - Youtap

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