UMT United Mobility Technology AG is a fintech company, which engages in the development and implementation of customized mobile payment and blockchain solutions. It acts as a central interface between all relevant parties such as large retail chains, banks, bonus program providers, and end consumers. Its services include mobile payment, mobile wallet, loyalty and bonus programs, data analytics, and smart rental application. The company was founded on October 16, 1989, and is headquartered in Munich, Germany.