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Digital Banking

The digital banking solution for banks looking to transform or new banks wishing to establish themselves.

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Digital Banking

Digital Banking
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The digital banking solution for banks looking to transform or new banks wishing to establish themselves.

Our White-Label digital banking solution provides you with the software, applications, and services to launch your digital bank in the shortest period.

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An open banking toolset for progressive banks and financial service providers.

Solve your bank’s digitalization challenges and get to market quickly. Offer MSMEs and new customers better user experiences through our modular architecture, simple API integrations to your core banking solution with easily customizable interfaces and applications.

  • White-label Digital Banking Platform
Youtap provides a single platform that provides all the services you need to launch and manage a bank. No longer do you need to purchase a core banking solution and add-in components.
  • High throughput and real-time agility
Youtap provides rich APIs enabling customers to integrate with existing core banking or 3rd party systems.
  • Rich APIs and conformance to standards
Provide your customers with various eMoney and traditional payment types, including Contactless NFC and QR Code payments (Dynamic and Static QR).
  • Multi-account platform

Youtap supports the definition of multiple account types per user, e.g., everyday accounts, savings, and loan accounts. Additional support for multiple users per account, such as family and joint accounts.

 
  • White-label Apps for Consumer and Business Banking
Review transactions, transfer funds between accounts, make payments, send money to family and friends, apply for loans, insurance, and other financial services in our skinnable Digital wallet for Consumers and Businesses.
  • eKYC and digital onboarding
Speed up account opening by enabling your consumer and business customers to open an account, self onboard using eKYC, and validate their information with multiple cloud-based AML/CFT database providers.
  • AI assistance
Our digital banking solution has integrated AI that learns your customer’s behaviors, knows their goals and can make recommendations to introduce new services and increase their financial wellbeing.
  • Lending and Loan Management
Youtap has integrated lending and credit assessment tools and APIs for connectivity to third-party credit assessors and underwriters. The solution includes tools to create and manage your lending portfolio, including offering micro-lending, mortgage lending, and buy now, pay later offerings.
  • P2P Transfers and remittances
Our digital banking solution supports wallet-to-wallet (person to person) transfers and domestic and international remittances for both the sending and receiving of funds.
  • Payment Processing
Youtap’s Integrated card processing, issuing, and management enable your bank to issue MasterCard and Visa companion cards, manage and reconcile these cards.
  • Agency Banking
Youtap’s Agency Banking provides lightweight digital banking services in the field with an agent app that enables users to securely register for services in real-time, deposit and withdrawal funds, and pay bills and airtime top-ups.
  • Cloud deployed
Our digital banking solution is deployed as a cloud solution. The solution is deployed as a single cloud instance or as a multi-tenant instance. Youtap works with Google, AWS, and Azure, amongst other cloud providers.
  • Retail Point of Sale Apps
Youtap enables banks to launch a full suite of retail point of sale applications for their retailer customers. These applications include full point of sale, payments and reporting for retail.
  • Bill payment and Bulk payments
Youtap provides Consumers and Businesses with the ability to make bill payments, bulk payments, insurance payments, subscription payments, and top-up airtime/data via the Consumer and Business apps. APIs are provided for integration to bill payees and processors.
  • Disbursements
Enable enterprises and NGOs to distribute subsidies and salaries direct to e-money wallets. Reduce misuse of funds by cultivating a network of approved merchants and sellers and limits on end-user accounts.
  • Card management and processing
We have integrated card management for issuing and processing card transactions. The card management platform enables card number ranges and card management, including the secure interface to card printers and the reconciliation of card transactions. The card processing module allows the bank to process debit, credit, and stored-value card transactions.
  • Web Portals and administration

Youtap provides skinnable web portals enabling users to view their accounts, transfer funds between accounts or other users, pay bills, and apply for financial services such as loans and savings accounts.

Youtap’s customer management system and administrator management systems enable you to customize and manage your offering and services, including reporting on all aspects of the service.

Youtap Insights

Insights that drive digital transformation

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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…
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16 November, 2022

Loyalty Programmes: An Omnipresent  Trend in Digital Wallets.

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Our Solutions

White-label consumer and merchant digital wallet applications that enable you to focus on your go to market.

Consumer Wallet
Merchant & Agent Wallet

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

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Retail POS & Digital Banking - Youtap

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