Financial super app engine
Wallet, payment gateway, loans.
Neofin is a digital infrastructure built by a team of fintech experts to help enterprises launch new customer experiences and revenue-generating services without building from scratch.
of combined fintech experience
enterprise deployments with direct team involvement, spanning:
served by solutions built and launched by our team
Launch complete customer experiences, operational systems, and financial products rapidly without starting from scratch.
Turn subscriber relationships into payments, financing, loyalty and new digital services.
Connect commerce, loyalty, payments and financing around the purchase journey.
Build wallet, payments, loyalty and partner ecosystems around frequent customer interactions.
Launch and modernize lending, wallet and embedded-finance products.
Connect multiple businesses and customer relationships through one digital ecosystem.
Every enterprise is different. Neofin team brings hands-on experience from dozens of implementations across lending, payments, banking, loyalty and digital finance.
17+ decision engines
configured and implemented
30+ identity & compliance
integrations across customer journeys
45+ product configs
launched across different business models
20+ credit bureaus
connected into underwriting flows
20+ payment gateways
integrations across financial products
50+ email & SMS
integrations supporting customer journeys
Our team has repeatedly designed technology around specific business models, customer journeys and regulatory requirements.
Your business model comes first. Technology follows.
CRM | ERP | Existing App | Loyalty | Billing/BSS | Customer Data
Banks | PSPs | Card processors | KYC/AML | Credit bureaus | Open Banking | Engagement platforms
Whether you're extending an existing app, launching a new financial service or building an entirely new digital ecosystem, we'll help define the technology required to make it work.
Of all the solutions we’ve tried, Neofin’s product engine has been the easiest in building the product core, creating risk policies with alternative data sources, or setting up seamless user interfaces. In the very first days after launch, we realized there have been some crucial steps in our borrowers’ onboarding process that we simply had not thought about before. Neofin’s site builder has been instrumental as we were talking to users, figuring out their needs and making changes in the front-end flow on the go. I recommend Neofin as a platform for fast and effective launch of financial products.
We were looking for a robust solution to launch an automated car financing project for almost a year. We are a large holding with over 200 people in development stuff. So choosing a solution that would pass all the reviews and suit all the parties has been a challenge. With Neofin, not only did we manage to release the car financing product in 3 months. We have also freed the time of our internal engineering team so they can focus on a core business. At the moment, we are integrating Neofin’s solution in more markets of Central Asia.
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Neofin is a fintech technology and engineering company that helps enterprises build digital and financial ecosystems.
We combine proven Neofin technology with deep expertise and custom engineering to build solutions around each company's business model, customer journeys and existing technology landscape.
Our technology covers lending, decisioning, payments, wallets, loyalty, customer experiences and financial operations. It can be used individually or combined into a broader ecosystem.
It is a combination of both.
Neofin provides proven, reusable fintech technology that gives every project a significant head start. We then configure, integrate and custom-build around that foundation to meet the specific requirements of the business.
This means customers get the flexibility of custom development without having to build the entire financial technology stack from scratch.
Keep what works. Integrate what's needed. Build what's missing.
Neofin can support anything from an individual financial capability to a complete digital ecosystem.
Typical use cases include:
The final solution depends on your business model rather than a predefined set of modules.
No. Neofin is designed to work around the technology and partners you already have.
We can integrate with existing mobile applications, CRM and ERP systems, billing/BSS, loyalty platforms, banking partners, payment providers, card processors, KYC/AML providers, credit bureaus and other enterprise infrastructure.
During Discovery, we identify what should remain, what needs to be integrated and where Neofin technology or custom engineering can fill the gaps.
Yes. A new Neofin-branded application is not required.
Neofin capabilities can be integrated into an existing customer experience through APIs and custom integration, or we can build a new web/mobile experience where required.
For enterprises with established digital channels, the objective is usually to extend the existing customer ecosystem rather than create unnecessary additional applications.
No.
Neofin originally developed deep expertise in lending and financial technology, but the same infrastructure can enable non-financial enterprises to introduce financial capabilities into customer relationships they already own.
We work particularly well with businesses that have large or highly engaged customer bases, including:
Telcos · Retailers & retail groups · Diversified enterprise groups · Fuel & mobility networks · Banks · Lenders · Fintechs
For example, a telco may combine its existing app, subscriber relationship and billing infrastructure with device financing, wallet, payments and loyalty. A retailer may embed instalments into checkout while connecting financing with its existing loyalty ecosystem.
Yes. Lending remains one of Neofin's deepest areas of expertise.
The technology can cover the complete lending lifecycle, including digital onboarding, KYC, origination, underwriting and decisioning, configurable credit policies, alternative data, loan management, servicing, repayments, collections, credit limits, reporting and integrations.
It can support multiple product structures, including instalment loans, BNPL, revolving credit lines and other consumer or business financing models.
Yes.
You do not need to implement the entire Neofin ecosystem.
A project can start with a single use case, such as loyalty, wallet, decisioning, device financing or a new credit product, and expand over time as the business case evolves.
The architecture can be designed with future capabilities in mind without requiring them to be implemented from day one.
Every project starts with Discovery.
Before deciding what should be built, we work with your business and technology teams to understand:
From there, we define the target architecture and determine which capabilities can use existing Neofin technology, which require configuration or integration, and which should be custom-built.
The business problem comes first. The technology architecture follows.
Extensive customization is possible and is a normal part of Neofin implementations.
Customization can range from customer journeys, business rules and credit policies to integrations, operational workflows, interfaces, reporting and entirely new functionality.
Our objective is not to make the enterprise change its business model to fit Neofin. We use the Neofin technology foundation to accelerate development of a solution tailored to how the business actually operates.
There is no single implementation timeline because Neofin projects vary significantly in scope.
A focused product using existing Neofin capabilities can be launched considerably faster than a large ecosystem requiring multiple integrations, custom development and regulatory approvals.
Following Discovery, we provide a project-specific scope, architecture, delivery plan and timeline.
Yes. Neofin is designed for high-volume financial and customer-facing environments, with architecture that can be scaled according to the implementation.
Depending on project requirements, deployments can support cloud or on-premise infrastructure, high availability, redundancy, local data-residency requirements and enterprise security controls.
Neofin maintains its ISO/IEC 27001:2022 and SOC 2 compliance, alongside regular security testing and vulnerability-management practices.
Yes. Localization is handled as part of the implementation.
This can include local KYC and AML providers, identity services, credit bureaus, banks, payment gateways, open-banking providers, regulatory reporting, data residency, local financial-product requirements, languages and customer journeys.
We don't assume that a financial product built for one country can simply be replicated unchanged in another.
Yes, and this is often the preferred model.
Neofin can work alongside internal product, engineering, architecture, security and operations teams, taking ownership of agreed parts of the financial technology stack while integrating with internally developed systems.
The objective is to extend your team's capabilities rather than replace them, allowing internal resources to remain focused on the areas where they create the most strategic value.
Deployment, licensing, IP and ownership arrangements depend on the project and commercial model.
Neofin supports different enterprise deployment approaches, including cloud and on-premise environments. Requirements around source-code access, customization, infrastructure, data residency and ownership of custom-developed components are agreed as part of the commercial and technical scope.
Pricing is project-specific and depends on the technology components, implementation scope, integrations, customization, infrastructure and ongoing support requirements.
Projects may include a combination of technology licensing, implementation/custom engineering and ongoing maintenance or support.
Following Discovery and initial requirements assessment, we provide a commercial proposal based on the actual solution required.
Start with the business problem rather than a list of software requirements.
Tell us what you want to launch, what customer relationship you already have and what technology exists today. Our team can assess where existing Neofin technology can accelerate the project, what would need to be integrated and what would need to be custom-built.
You don't need to know which Neofin modules you need before talking to us.
