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Consumer Banking

Your Complete Consumer Banking Solution - One Platform

Youtap’s consumer core banking platform is a digital platform that offers a variety of financial services to individual consumers. These services include account management, money transfers, bill payments, deposit management, credit card management, online banking, digital banking, and more. The platform can be accessed through a internet or our digital banking app and allows customers to manage their finances from anywhere, at any time.

The consumer banking platform also provides a variety of banking services including wealth management, digital lending, insurance, and budgeting tools to provide a comprehensive financial solution for customers. It’s designed to be user-friendly and easy to navigate with features such as account summaries, transaction history, and notifications.

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Consumer Digital Banking

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.

Effortless Banking, Maximum Convenience

Benefits

  • Convenience: We enable customers to access their account information, perform banking transactions and make payments from anywhere, at any time, using any device, eliminating the need for physical visits to a bank branch.
  • Time-saving: We automate many routine banking tasks, such as paying bills, transferring money, checking account balances, and making payments, improving customer loyalty and saving customers time and money.
  • Improved security: We use advanced security measures such as encryption and secure login protocols to protect customer information and reduce the risk of fraud.
  • Customization: Our platform is entirely white-label capable and can be personalized to meet the specific needs of banks and their customers, providing tailored products, services, and offers based on their usage and preferences.
  • Access to financial management and planning tools: We offer financial management tools and integration to financial planning, educational resources, and others to help customers better manage their finances.
  • Increased efficiency: Our platform improves customer and bank efficiency by reducing the need for physical branches and enabling self-service banking.
  • Better analytics: We provide valuable insights into customer behavior and usage, enabling banks to reward customers and make better-informed business decisions.
  • Cost-effective: Our platform helps reduce costs for organizations by increasing digital engagement with customers, reducing the need for physical branches, and enabling self-service banking.
  • Scalability: Our cloud-based platform can be easily scaled to accommodate increasing customers, transactions, and services.

Features

  • Account management: This includes the ability to view account balances, transaction history, and account details for different accounts, such as savings, current, and credit accounts.
  • Money transfers: Users can transfer money between accounts, including to accounts at other banks, and also perform transactions such as NEFT, RTGS, and IMPS.
  • Bill payments: Users can pay bills, such as utility bills, credit card bills, and mortgage payments, directly from the platform.
  • Deposits: Users can deposit checks and cash using the platform, often through mobile deposit.
  • Credit card management: Users can view their credit card balance and statement, make payments, and set up alerts for payment due dates and transaction limits.
  • Debit card management: Users can view their debit card details, block/unblock and set transaction limits, and order new debit cards.
  • Online banking: Users can access the platform from a computer or mobile device, and perform transactions and account management from anywhere.
  • Digital Wallet app: Users can access the platform from their Digital Wallet app, making it easy to manage finances, make payments and receive loyalty on the go.
  • Security: Digital banking platform usually has multi-factor authentication and encryption to protect customers' sensitive information.
  • Customer service: Integrated portals for customer services issues and resolution.
  • Core banking services: The platform will include basic banking services such as account opening, deposit, withdrawal, loan origination, account statement, and balance inquiry.
  • Scalability: The platform will be able to handle a large number of transactions and customers, and can be easily scaled as the bank grows.
  • Integration: The platform can be integrated with other accounting, CRM, payment gateways, and third-party and compliance systems through APIs to streamline operations.
  • Digital onboarding
A White-label consumer wallet application accessible through your Play Store or App store with integrated eKYC (know your customer), electronic sign-up and API’s for integration to ERP, AML/CFT, and National Identity providers and configurable KYC thresholds.
  • Consumer banking and cash management
Enable your customers to have various accounts from every day to interest-bearing and term deposit accounts to flexible overdraft and quick service loan accounts. Provide customers them with lending or buy now and pay later facilities with real-time options available for credit scoring and APIs to support third-party providers.
  • Digital payments
Provide your customers with various eMoney and traditional payment types, including Contactless NFC and QR Code payments (Dynamic and Static QR).
  • Card issuing and management
Provide your customers with a co-branded card, enabling them to shop and make payments in-store or online and access ATMs globally where Visa or MasterCard are accepted.
  • Loyalty and rewards
Reward your customer with integrated loyalty and rewards enabling you to provide cash backs, rewards points, e-vouchers, or coupons.
  • Bill payment
Rather than logging into biller interfaces online or visiting selected locations to pay outstanding bills, users can pay bills directly from the app.
  • P2P transfer and request
Send and request funds instantly. Features include payment request, person-to-person transfer including split bill, wallet to wallet, and wallet to a bank account.
  • Account insights and reporting
In-depth graphical reporting, showing spend analysis and wallet activity, enabling the consumer to set pay and save limits to improve their financial health.
  • Remittance and money transfer
Enable your customers to send and receive funds internationally and domestically through P2P wallet-to-wallet, bank-to-wallet, and remittance provider to wallet transfers.

Digital Banking Features

  • Cloud deployed
  • API’s for 3rd party integration
  • Highly scalable
  • Highly secure​
  • Multiple Applications in a single platform​
  • Rich data, new insights
  • Your offering, your brand
  • Scalable and ready to deploy
  • Device independent
  • Management portals
  • Omni-channel architecture

Launch a complete ecosystem

Capture both sides of the market, benefit from both sides of the transaction. Launch a complimentary merchant application and give customers a network to transact in.

Learn more about merchant products

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.

Existing Banks

New Banks

Mobile Operators

Agricultural Banks

Financial Service providers

Retail

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