Digital Banking
Capture the SME market and help build your customer’s businesses with a full suite of merchant growth tools.


Profitable long term relationships
Entice new customers through innovative SME tools and foster loyalty by leveraging their data to provide better products and lower-cost loans.

Rich features for business growth
From self onboarding, a complete small business POS app, inventory management, invoicing and business insights to multi-currency accounts enabling better cross border commerce.

Their business, banked their way
Merchants can accept cash, card and e-money all directly settled into their account with further full ability to set up and manage their financial products.
Deliver value to all business sizes.
Youtap classifies growing market merchants into five tiers. We have created value-add features for each tier allowing you to fully service the entire spectrum of business banking needs.
5
Tier Five
Informal impermanent independent merchants.
E.g. Street hawkers & wet markets
4
Tier Four
Informal permanent independent merchants
E.g. Small street stores
3
Tier Three
Formal independent merchants
E.g. Local mall stores
2
Tier Two
Formal contemporary independent merchants
E.g. Contemporary stores with 1 or several outlets
1
Tier One
National/Regional brands and retail chains
E.g. National brands and mall stores

Platform features for business
growth.
Make the lives of your SME customers easier while attracting new business, boosting engagement and fostering loyalty.

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 SME customers digitally from where they choose with eKYC, including verification of business details, OTP, video selfie and manual intervention if needed, all while adhering to AML and KYC regulation.

Separated business account
Separating business spending from personal accounts instantly allows your SME clients to streamline reporting, and better understand their business health.

Invoicing & recurring payments
Merchants can issue, receive and pay invoices directly from their account. Simple recurring expenses can be set up so no payment deadlines are missed.

Accept all payments
However their customers are wanting to pay. E-money, QR codes, bank transfers, credit and debit cards and P2P transfers are fully supported.

Multi currency
Cross-border business no longer has to be a hassle. SME customers can easily hold funds in multiple currencies and pay for, or invoice for goods in the local currency eliminating uncertainty around fluctuating forex rates.

Loan applications from device
Access to working capital is the main barrier to SME growth, set up your loan products and deploy in minutes allowing users to apply and be approved directly from their account.

BFM tools
Our business financial management tool brings a rich view to the financial workings of your client’s businesses granting them better perspectives on their spending and intake. Full filters allow them to better forecast by analysing past performance.

Bank benefits
Attract new customers via innovative SME tools
Increased SME engagement on digital channels
Higher customer retention
In-depth understanding of SME’s business
Accelerated time to market
Leverage expertise in UX/UI
Open API’s for easy integrations
Reduced overheads
Quickly and cheaply deploy new products

SME benefits
Easy digital onboarding
A holistic view and a better understanding of their business finances.
Ability to create, review and track invoices
Powerful POS app for business management and growth
Easily access to business loans
Potential revenue streams from agent banking
A lessened barrier to cross border business
Omnichannel access to their finances
Our banking products