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


UMT United Mobility Technology AG ("UMT") today published preliminary figures for the 2018 financial year. In the reporting year, the Group was able to improve its key figures with significant increases in revenue, total performance, gross profit and EBITDA. UMT benefited in particular from the dynamic growth in demand for modern, cashless payment alternatives.

According to preliminary calculations, the UMT Group's total operating performance rose by 35 percent to TEUR 12,431 in the past fiscal year (previous year: TEUR 9,224). This is mainly based on revenues of TEUR 9,520 (previous year: TEUR 6,503). Gross profit at Group level improved by 75 percent to TEUR 7,788 in the reporting year (previous year: TEUR 4,450). While consolidated earnings before interest, taxes, depreciation and amortization (EBITDA) of TEUR 2,713 more than doubled compared to the previous year (TEUR 1,317), consolidated operating earnings before interest and taxes (EBIT) fell to TEUR 250 (previous year: TEUR 550). This was due, among other things, to the scheduled amortization of goodwill carried out for the first time in 2018, as stated in the notes to the 2017 annual financial statements. The goodwill recognized on the assets side results from the difference on the assets side resulting from the consolidation of PEACHES Mobile GmbH and UMS United Mobile Services GmbH due to capital consolidation. In addition, further substantial investments were made in the 2018 financial year in the form of development services for the UMT transaction platform in order to do justice to the great market dynamics in the business segment and to ensure the UMT Group's long-term competitiveness in the future. Group earnings before taxes (EBT) fell accordingly to TEUR 117 (previous year: TEUR 328) due to depreciation in the reporting year, despite a significant decline in interest expenses. According to preliminary figures, the UMT Group closed the 2018 financial year with a consolidated net income of TEUR 117 (previous year: TEUR 328).

UMT technology enables its customers to benefit from the numerous advantages of state-of-the-art cashless payment processing solutions in conjunction with loyalty programs at the point of sale (POS). The functionalities of the transaction platform are to be successively expanded beyond pure payment functions to the processing of complete business processes. 

On 21 May 2019, UMT AG also presented its innovative LOYAL Loyalty-App, which will be available for download for iOS and Android operating systems in the Apple App Store and Google Play Store in summer 2019 (learn more about LOYAL here or at umt.ag/loyal). With the revolutionary Meta-App, UMT will offer its customers even more overview, freedom and flexibility in selecting their favorite voucher and incentive programs (loyalty) while simultaneously accessing one of the largest and densest acceptance networks in Germany. And all this in connection with mobile payment at the checkout, by credit card or with crypto currencies such as Bitcoin (BTC) or Ethereum (ETH). For UMT AG, the launch of LOYAL means a significant and consistent extension of its value chain - a decisive step in its strategy: beyond pure mobile payment to a higher digital interlocking of cashless payments, loyalty programs and current deals.

With the ability to offer the UMT transaction platform with enhanced functionality and the launch of the LOYAL-App, UMT has taken an important step towards scaling its business model. In the future, UMT will benefit not only from the use of the installed and market-proven technology on the part of the retailers but also on the other side of the POS system: from the user of the UMT LOYAL-App. From today's perspective, the UMT Group expects an acceleration of the growth course for the 2019 fiscal year with an improvement in sales and operating profit against the background of the course set.

The non-cash capital increase resolved on 22 November 2018 was implemented and entered in the Commercial Register of the Munich Local Court on 28 March 2019. The contribution to the new shares was made through the contribution of a loan receivable of EUR 2,500,000.00 from UMT AG by SWM Treuhand AG Wirtschaftsprüfungsgesellschaft ("SWM Treuhand"). The conversion of these receivables from UMT AG into equity thus represents a significant contribution to the sustained strengthening of the Company's capital base. With the entry in the commercial register, the share capital of UMT AG increases from EUR 21,033,569.00 to EUR 23,533,569.00. SWM Treuhand now holds 59 percent of the new share capital.

The Group figures published in this announcement are preliminary. The annual financial statements of UMT AG as of 31 December 2018, have been prepared as individual financial statements. However, the annual financial statements of the subsidiary UMT Peaches Mobile GmbH are also required for the preparation of the voluntary consolidated financial statements of the UMT Group. In the course of the sale of all shares in UMT Peaches Mobile GmbH as of 30 November 2018, the Company was also deconsolidated in the consolidated financial statements of UMT AG. UMT Peaches Mobile GmbH did not provide any financial data up to the cut-off date of 10 May 2019, and with extension up to that date, which delayed the preparation of the consolidated financial statements. The inclusion in the preliminary consolidated financial statements was therefore based on the available information, planning and extrapolation.

The publication of the UMT Group's Annual Report 2018 is currently expected to take place in July 2019. The new date for the Annual General Meeting is Monday, 19 August 2019. The Annual General Meeting will take place at the premises of the Literaturhaus at Salvatorplatz 1 in Munich.

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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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