Digital Banking
Modular digital-banking and open API’s places you a step ahead.
Enhance your bank’s core systems, boost efficiency and digital engagement while creating new opportunities through open banking API’s.
Adapt to changing markets
Leverage Open Banking APIs for fast and flexible digital product creation allowing you to quickly meet the wants of existing and prospective customers alike.
Cost-effective innovation
Youtap solutions integrate with your existing environment for fast, low-risk innovation without the need to update core systems.
Increase revenue from new channels
Forge strategic partnerships and leverage your data for diversified revenue.
View all platform features
White-label apps
Premium payment, merchant, and wallet applications, with a skinnable framework to front your digital bank offering.
High throughput and real-time agility
We provide our secure high-throughput real-time e-money platforms direct to banks that are struggling to meet market demands with core banking systems..
Low-touch open banking approach
Low-touch integration to core banking for settlement and other services that conforms to secure standards such as ISO-8583, E2E encryption, and restful HTTPS API’s provides digital teams with the confidence and freedom to move quickly and innovate.
Multi-account platform
Supports definition of multiple account types per user, such as everyday accounts, savings, and loan accounts. Additional supports multiple users per account such as family and joint accounts.
E-money Wallet
Our skinnable e-money wallet framework enables banks and financial service providers to quickly deploy an app – and other channels – in the market, giving a new mass market of users easy access to everyday use cases.
eKYC
Capture customer details and validate against central ID DB’s if necessary. Up to 4 photos to confirm identity: profile, ID, holding ID, holding ID in front of store (for merchants). KYC information tiers classify feature, function, account and transfer limits.
AI assistance
A banking platform that can learn your customer’s behaviours, knows their goals and makes recommendations to introduce new services and increase their financial wellbeing.
Credit Assessment
Combine new e-money wallet data and standard assessment rules to establish credit scores for merchants and consumers where is wasn’t previously available. Enrich scoring with alternative data sources from partner solutions.
P2P Transfers
Real-time wallet-to-wallet money transfer and settlement via app, feature phone, or over the counter with an agent. Supports transfers to offnet users via messages to register for receipt of funds.
Mobile Banking
Review transactions, transfer funds between e-money accounts and to/from e-money accounts to bank accounts, send money to other users, and apply for financial services.
Agent Banking
Offer lightweight digital banking services in the field with an agent app that enable users to securely register for services in real-time, deposit and withdrawal funds, and pay bills and airtime top ups.
Online Banking
Skinnable web application framework for users to view their accounts, transfer funds between accounts or to other users, and apply for financial services such as loans and savings accounts.
Merchant Payments
Pay securely and easily in store with an e-money wallet via QR codes, NFC companion cards or phone number, creating an everyday use case and increased e-money usage.
Mobile Utility Payments
Make utility bill payments, insurance payments, subscription payments, and topup airtime/data via app, online, and other channels.
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.
Platform features for retail banking success.
A complete suite of banking features delivered through a cutting-edge user experience to attract, engage and retain customers.
Truly omnichannel
With a single platform unify the customer experience across web, mobile (both iOS and Android) and agency banking touchpoints. Roll out new products across all channels in minutes, not weeks or months.
Onboard faster
Easily onboard customers digitally from where they choose with eKYC, including third-party verification of details, OTP, video selfie and manual intervention if needed, all while adhering to AML and KYC regulation.
Multiple accounts
Give end-users the flexibility of having an everyday, family, business and joint account to better segment and track their finances.
Personalised savings
Boost user’s engagement by offering multiple savings areas with complete customization of goal, duration and the set-up of custom rules for automated savings.
Recurring payments
Simple recurring expenses can be set up, managed and deleted so no payment deadlines are missed.
Multi currency
Travelling and sending money cross-border no longer has to be a hassle. Customers can easily hold funds in multiple currencies, make and receive payments in local currencies and eliminate the uncertainty around fluctuating forex rates.
Personal loan applications from device
Set up your loan products and deploy in minutes allowing users to apply and be approved directly from their account.
Set up your loan products and deploy in minutes allowing users to apply and be approved directly from their account.
Our personal financial management tool brings a rich view to the workings of your customer’s financial health, granting them better perspectives on their spending and income.
Bank benefits
Quick-to-market, scalable implementation
Fast positive ROI
Unlimited integration possibilities
Better customer experiences and higher customer retention
Increased user engagement on digital channels
In-depth understanding of customers
Reduced overheads
Quickly and cheaply deploy new products
Flexibility and customisation of software
Customer benefits
Easy digital onboarding
A holistic view and a better understanding of their business finances.
Help with saving and their
Smart notifications to help users get the most out of their money
Access to multiple ways to pay and receive funds
Easy access to personal loans, extra accounts and more
A more personal banking experience
Our banking products
