mobile-banking
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CIBC
CIBC has spent 159 years changing the interface between people and money. Its newest chapter connects 15 million clients, four banking businesses and an old institutional habit: make the bank meet people where they are.
YAP
YAP is a Dubai-based digital banking platform that lets people open an account, get an instant IBAN and Mastercard, send and receive money, pay bills and track spending entirely from a mobile app. Launched in March 2021 as the UAE's first independent digital banking platform, YAP does not hold its own banking licence in the UAE; instead it partners with licensed banks (originally RAKBANK) to provide the underlying accounts while YAP builds the customer-facing experience, analytics and card controls. The company has raised roughly $41 million and is expanding across the Middle East, Africa and South Asia, targeting Saudi Arabia, Egypt, Pakistan and Ghana.
MovoCash, Inc.
MovoCash, Inc. (MOVO) is a Palo Alto-based financial technology company founded in 2014 by veteran financial-industry entrepreneur Eric Solis. MOVO offers an on-demand mobile banking app that lets people instantly create FDIC-insured accounts and disposable virtual debit cards, send peer-to-peer payments, pay bills, and make contactless purchases from their phone - even without a traditional bank account. Built on its patented HyperBIN digital-token technology and delivered with Mastercard and Coastal Community Bank, MOVO positions itself as a 'digital cash' network that blends payment cards, bank accounts, and mobile money movement.
Común
Común is a New York-based digital bank built Spanish-first for immigrants in the United States. It offers an FDIC-insured checking account, a Visa debit card, low-cost cross-border remittances, Zelle access, and one of the largest cash-deposit networks in the country - all openable without a Social Security number. Founded in late 2021 by Mexican immigrants Andrés Santos and Abiel Gutiérrez, Común set out to fix the financial exclusion they experienced firsthand, and it has grown into one of the fastest-growing consumer fintechs serving the Latino community.