Ybanking is a virtual bank, integrating products of different financial services providers, such as banks, insurers and fintechs.
Ybanking will operate undersit’s own brand and in partnerships with non-banking companies, which want to support their customers in managing their personal finances.
Profits, convenience, advisory...
Client loyalty and insight, sales opportunities...
Banks and fintechs
Sales, new markets...
Sales and marketing
Ybanking for your clients
Consumers usually use one or two banks, irrelevant of attractiveness of their current offer. An effort to compare prices, proceed different sales processes, multiple interfaces, passwords, logins, etc., is just too big.
Ybanking creates convenient way of managing personal finances and different providers from one place. It is a platform, thanks to which customers will stop being hostages of their own inertia and will use best offers on the market effortlessly.
Ybanking is a management dashboard for personal finances, where clients can control their daily banking, execute transfers from any account, use supermarket supporting customers in comparing and purchasing of financial products.
Financial assistant, using artificial intelligence, will advise how to manage finances. Will suggest how to move money and debts between banks and fintechs to maximize profits. Thanks to financial assistant, customers will save from 50 to 120 euro annually (Polish market conditions).
Ybanking for your company
based on customer
Ybanking is created inSAP technology, thus it is safe, reliable and easy to integrate
It solutions based on
safe and reliable SAP solutions
possibility to adapt
to partner's strategy
ready to integrate with
white-label solution, ready to use
partner's visual identity
solutions for real-time
with products providers
operational processes with
no costs and risks
quality customer service
and sales team
simple legal and
light cooperation model,
enabling market tests
before full roll-out
Contact us and arrange a meeting.
It is the best way to get to know about our offer.
Banks and fintechs
Ybanking is a platform connecting companies with large customer databases with banks and fintechs, willing to expand their sales in such partnerships.
We offer to financial services providers:
- Distribution channel addressing big customer bases with established relations
- Simple integration though APIs and SAP tools
- Flexibility in managing product offer and profitability
- KYC process compliant with regulations
- Possibility to enter new markets with limited investment
FOR SOME FINANCIAL SERVICES PROVIDERS, SUCH AS: FINTECHS, INSURERS, INVESTMENT BROKERS YBANKING CAN BE SIMULTANOUSLY A DISTRIBUTION CHANNEL AND A WAY TO EXPAND THEIR OFFER WITH BANKING-AS-A-SERVICE PARTNERSHIP.
Yfin S.A., an owner of Ybanking platform, was founded in 2015 by experienced executive bankers.
Yfin S.A., ul. Graniczna 17a,
05-500 Jastrzębie, NIP: 123-130-76-09,
share capital 526.207 zł
tel: +48 692 486 539
We started our activity with selling bank deposits and investment products in a social networking model. In this business model we sold over 400 million zlotys (c.a. 100 million euro) deposits and investments.Since the beginning of 2018 we work on a banking platform for individual customers, ready for PSD2. We raised funds enabling to create a fully-fledged banking virtual bank platform based on SAP tools. Thanks to this we will be able to compete with banks for a role of a main bank provider.
OUR MISSION IS TO CREATE A PLATFORM BENEFITING THREE PARTIES:
Customersbecause they will get easy access for more attractive financial products
Non-banking firmsoffering customers support in personal finance management, because they will gain loyalty and customer insight
Bank and fintechsthey will get access to effective sales channel
WE WILL TAKE CARE THAT THOSE BENEFITS ARE BALANCES BETWEEN PARTIES AND AS HIGH AS POSSIBLE COMPARING TO TRADITIONAL BANKING