Over 14 million users in Germany

at 71,000 connected cash desks

and around 16,000 branches

The innovative LOYAL App by UMT AG is now available in the app stores!

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UMT’s disruptive meta-app, provides customers even more overview, freedom and flexibility in the selection of their favorite voucher and bonus programs. You can expect so much from the recently introduced LOYAL app. App users do not need extensive searches for the best deals, offers and matching coupons. No matter what LOYAL users are interested in shopping, such as the latest fashion trends, the latest chart hits or the best hotels, they will be rewarded immediately.

Depending on the preferences, LOYAL can be adapted to the different interests and needs of the users and they can at the same time collect loyalty points for attractive bonuses and flight miles for the next holiday as well as take advantage of cash-back offers - even across all providers. Due to the customizable LOYAL user interface, the cheapest offer or the matching coupon is always available for the next holiday, music or shopping experience. By intelligently linking present payment solutions as well as credit card payments, LOYAL offers a central app for all situations. This provides even more flexibility at the checkout and on the Internet - easy, fast and secure.

Mobile Payment

Easy, secure and fast payment with UMT’s Mobile Payment Technology!

UMT implements individual Mobile Payment Solutions in existing or new applications. We offer our Mobile Payment Solutions for the Point of Sale, the E-Commerce and other channels like In-App, OTA, Print and P2P.

UMT Platform - Mobile Payment

Benefits at a glance:

  • Increase sales by expanding the sales channels and optimizing the use of existing purchasing impulses
  • Easy, fast and cost-effective integration
  • All common transmission technologies, e.g. QR and barcode, NFC and Bluetooth are being used
  • Compatible with all operating systems (iOS, Android and Windows)
  • Secure coding / encryption ensures first-class security

Mobile Wallet

The Smartphone becomes a digital Wallet.

You can offer your users different payment methods (Direct Debit, Credit Card, PayPal, etc.) or Loyalty Cards in one digital Wallet. Our technology makes it possible in a very simple and easy way!

UMT Platform - Mobile Wallet

Benefits at a glance:

  • Fast and cost-effective integration with existing IT infrastructure
  • Combination of mobile payment and individual customer loyalty programs
  • Optimal integration of digital customer cards, voucher offers and coupons
  • Faster checkout time due to user-friendly payment, loyalty and couponing processes
  • Various transmission technologies, eg QR and barcode / NFC / Bluetooth can be used

Loyalty / Bonus programs

Bind customers to your company on a long-term basis.

UMT offers customized digital customer loyalty programs. Create your own bonus program with our know-how or connect your already existing program to our platform. Use the knowledge of UMT’s experts to give your customers the opportunity of a fast and reliable combination of loyalty, coupons and mobile payment.

UMT Platform - Loyalty Programs

Benefits at a glance:

  • Increase sales through target group-specific marketing
  • Long-term customer loyalty through individualized customer loyalty programs
  • Quick and cost-effective integration of new and existing bonus programs into your own app
  • Mobile payments as well as activating and collecting points in one step
  • Reporting - UMT provides specific customer analyses

Data Analytics

Know your own customers and address them specifically!

Data analysis and the resulting information brings competitive advantages for more effective marketing and resulting in higher sales. For this purpose, UMT offers automated and individualized reporting and targeted data evaluations.

UMT Platform - Mobile Wallet

Benefits at a glance:

  • Less scattering losses due to targeted customer approach
  • Long-term growth through more effective marketing
  • Reports include all transaction details regarding branch, time, amount and payment
  • System automatically informs when problems occur
  • UMT offers 24/7 service hotline


 Since January 1st, Mr. Erik Nagel is responsible as CMO for the Business Development of the UMT AG and Mr. Ingo Nix will lead Head the capital markets.

The UMT United Mobility Technology AG (WKN 528610, ISIN DE0005286108), has extended in the course of the expansion their expertise of its business in the business development, as well as in the financial sector. Mr. Erik Nagel and Mr. Ingo Nix reinforce the CEO leadership team of Mr. Dr. Albert Wahl and CTO Mr. Robert Schmiedler. Mr. Erik Nagel will take over the further development of UMT AG in the financial services segment, as well as the coordination of various sales and marketing activities of the company at the group level. Mr. Ingo Nix will reinforce the Capital Markets with his extensive knowledge and sales with its extensive network.

Mr. Erik Nagel can look back on more than 20 years of professional experience. After successful years in business consulting and the Deutsche Bank's Inhouse Consulting, Mr. Erik Nagel, a graduate of the European business school, was responsible as a Board Member for participation of WestLB and subsequently as head of the banking and insurance business of Sal. Oppenheim Investment Banking and Collineo Asset Management. Due to his family background in the textile retail, Mr. Nagel is familiar in addition with the retail sector and has excellent and far-reaching Trade contacts at home and abroad.

"In particular, his expertise in the important fields of sales and marketing, as well as financial services distinguishes Mr. Erik Nagel, coupled with a high entrepreneurial commitment. We are pleased, that he is on-board and he will further advance together with us the UMT AG and our Sales - Accelerator - mobile payment platform iPAYst", says Dr. Albert Wahl, CEO of UMT United Mobility Technology AG.

Mr. Nix started his career in 1991 at J.P. Morgan. Over the last 23 years, he worked for international financial institutions such as UBS, Deutsche Bank and renowned asset managers. During this time he was responsible for various positions in the investment banking, private wealth management and asset management. Mr. Nix is known for being a stock expert with passion in the small & mid-cap market, capital market expert and contact partner.

"I've never seen such passion for the stock market in my professional life before. We are fortunate, that Mr. Nix brings his experience and his large network for the sake of the UMT AG", says CEO Dr. Albert Wahl.


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About UMT AG:

UMT United Mobility Technology AG is a FinTech company specialising in the development and implementation of customised mobile payment and blockchain solutions, particularly for major customers. As a white label technology provider, the Company operates, amongst others, one of the largest mobile payment platforms in Europe. UMT acts as a central interface between all relevant parties such as large retail chains, banks, bonus programme providers and end consumers. UMT's technology is in live operation at around 16,000 branches and 71,000 checkouts. In Germany alone, over 14 million users can use UMT's mobile payment technology. In addition, UMT offers its customers services in the area of customer loyalty programs and smart data along the entire value chain. With the innovative LOYAL-App, UMT offers its users an efficient way to use loyalty programs and a modern mobile payment solution.

The UMT United Mobility Technology AG share (GSIN A2YN70, ISIN DE000A2YN702) is traded on the Frankfurt Stock Exchange and is listed on the Basic Board of Deutsche Boerse AG.

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