UMT United Mobility Technology AG is a fintech company based in Munich, Germany. It develops and implements customized mobile payment solutions, acting as a central interface between retail chains, banks, and consumers. UMT offers services in mobile payments, loyalty programs, and smart data management. Their platform supports various transaction technologies and is used by over 14 million users across 16,000 stores and 71,000 checkouts. The unique selling proposition is its comprehensive mobile payment and loyalty platform, providing a seamless experience for both merchants and consumers. The target audience includes large retail chains and financial institutions.