UMT United Mobility Technology AG is specialized in the development and implementation of individual mobile payment solutions, especially for large-scale customers, e.g. PAYBACK (American Express Group). As a white-label technology provider, the FinTech company has developed one of the largest mobile payment platforms in Europe. UMT operates between all relevant parties such as large retail chains, banks, bonus program providers and end-users. The technology is currently live in over 13,650 stores and 66,500 cash desks. In Germany, 11.8 million users are able to benefit from UMT's mobile payment technology. In addition, UMT provides its customers loyalty programs and Smart Data services along the entire value chain.