🥳 Major News ! Neofin is now a Mastercard Engage partner →

Financial super app engine
Wallet, payment gateway, loans.

From loyalty and customer engagement to wallets, payments and financing, Neofin combines proven fintech technology with deep engineering expertise to build digital experiences around your business.

More than a platform.
Technology + fintech expertise + custom engineering.

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.

EXPERT TEAM

EXPERT TEAM

100+ years

of combined fintech experience

300+ implementations

enterprise deployments with direct team involvement, spanning:

  • complex decision engines
  • BNPL systems
  • Central Bank reporting
  • electronic documents processing
  • online banking for business

Millions of users

served by solutions built and launched by our team

PROVEN PLATFORM

PROVEN PLATFORM

Customer Experience

  • Mobile
  • Web
  • Onboarding
  • Loyalty
  • Customer journeys

Operations & Management

  • Back office
  • CRM
  • Merchant management
  • Workflows
  • Reporting

Platform Core

  • Payments
  • Wallet
  • Lending
  • Decisioning
  • Ledger
  • Integrations
TAILORED DIGITAL ECOSYSTEM

TAILORED DIGITAL ECOSYSTEM

Launch complete customer experiences, operational systems, and financial products rapidly without starting from scratch.

We don't impose a predefined product. We use proven technology to accelerate the development of yours.

What can you build?

One technology foundation. Many possible ecosystems.

What can you build?

Financing

  • Instalments
  • BNPL
  • Device financing
  • Revolving credit
  • Personal loans
  • SME financing
  • Credit-linked wallets
What can you build?

Digital Experiences

  • Super apps
  • Digital onboarding
  • KYC/eKYC/KYB
  • Customer profiles
  • Self-service
  • Notifications
  • Merchant experiences
Start with one use case or combine multiple services into one customer ecosystem.

Wallet & Payments

  • Digital wallet
  • Stored value
  • P2P
  • Merchant payments
  • QR payments
  • Bill payments
  • Card-linked experiences
What can you build?

Loyalty & Engagement

  • Points & bonuses
  • Cashback
  • Personalized offers
  • Merchant rewards
  • Campaigns
  • Segmentation
  • Partner ecosystems
What can you build?

Built for businesses that already own the customer relationship

TELCOS

TELCOS

Turn subscriber relationships into payments, financing, loyalty and new digital services.

RETAIL & RETAIL GROUPS

RETAIL & RETAIL GROUPS

Connect commerce, loyalty, payments and financing around the purchase journey.

FUEL & MOBILITY NETWORKS

FUEL & MOBILITY NETWORKS

Build wallet, payments, loyalty and partner ecosystems around frequent customer interactions.

FINANCIAL INSTITUTIONS

FINANCIAL INSTITUTIONS

Launch and modernize lending, wallet and embedded-finance products.

DIVERSIFIED ENTERPRISE GROUPS

DIVERSIFIED ENTERPRISE GROUPS

Connect multiple businesses and customer relationships through one digital ecosystem.

We've already solved the hard parts.

Every enterprise is different. Neofin team brings hands-on experience from dozens of implementations across lending, payments, banking, loyalty and digital finance.

We've already solved the hard parts.

DECISIONING

17+ decision engines
configured and implemented

KYC / AML

30+ identity & compliance
integrations across customer journeys

CREDIT PRODUCTS

45+ product configs
launched across different business models

CREDIT DATA

20+ credit bureaus
connected into underwriting flows

PAYMENTS

20+ payment gateways
integrations across financial products

COMMUNICATIONS

50+ email & SMS
integrations supporting customer journeys

and much more!Open Banking | KYB | Loyalty | Accounting | Communication Gateways | Regulatory Reporting

When an out-of-box solution doesn’t exist, we build it.

Our team has repeatedly designed technology around specific business models, customer journeys and regulatory requirements.

P2P transfers
Neofin engine
QR payments
Neofin engine
Digital wallet
Engine + custom
Loyalty mobile app
Custom
BNPL checkout
Engine + custom
Payroll-linked lending
Custom
Business internet banking
Engine + custom

How we build

Your business model comes first. Technology follows.

1

Discover

  • Business model
  • Customer journey
  • Existing technology
  • Regulatory environment
  • Commercial objectives
2

Architect

  • Define what already exists
  • Select Neofin engines
  • Identify integrations
  • Define custom components
3

Build & Integrate

  • Neofin platform
  • Custom engineering
  • Existing enterprise stack
  • Local providers
4

Launch & Evolve

  • Production rollout
  • Monitoring
  • New use cases
  • Continuous development

Built around the technology you already have.

YOUR ECOSYSTEM

YOUR ECOSYSTEM

CRM | ERP | Existing App | Loyalty | Billing/BSS | Customer Data

NEOFIN + CUSTOM ENGINEERING

NEOFIN + CUSTOM ENGINEERING

FINANCIAL & TECHNOLOGY PARTNERS

FINANCIAL & TECHNOLOGY PARTNERS

Banks | PSPs | Card processors | KYC/AML | Credit bureaus | Open Banking | Engagement platforms

Keep what works. We build and integrate the missing layers.

Engineered for enterprise-scale digital ecosystems

Scalable architecture

  • Millions of transactions supported
  • Horizontal/vertical scaling
  • Local data residency
  • Cloud/on-premise

Enterprise security

  • ISO/IEC 27001
  • SOC 2
  • ASV scans
  • Vulnerability scanning
  • DDoS protection
Engineered for enterprise-scale digital ecosystems

High availability

  • Redundancy
  • SLAs
  • Uptime guarantees
Tell us what you want to build.

Tell us what you want to build.

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.

Discuss your use case

Testimonials

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.

Shanzaib Malik
CEO & Founder, Stately Credit
I recommend Neofin wholeheartedly. I didn't think it was possible; I searched for months for a start-up capable of building a revenue-based loans project from scratch, and I faced significant challenges until I met Neofin. From the moment we met, our collaboration went smoothly, without any issues. With Neofin's help, we managed to launch the first revenue-based loans solution in Romania, and I am confident that our collaboration will become even more constructive as our project evolves!
Goghie-Alexandru Stefaf
CEO & Founder Algo Financial SRL, Tust

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.

Asset Kassenbayev
Deputy General Manager, UNA Financial Group
Our partnership with Neofin started this year. Their new online credit solution is a life saver for credit unions here in Ukraine. It helped to improve their growth strategy and compare all the government and National Bank regulations. Neofin team works a lot to make their solution an essential one for financial communities. It really improves credit unions processing and online presence.
Matthias Pfaff
Deutsche sparkassenstiftung für internationale kooperation
Neofin has made our life so much easier. We have only registered a company and got the first license. We went live much faster than planned and became profitable on the 6th month of operation!
Anna Chaban
COO at EasyCash
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Proud of being a part of the best fintech programs on the market

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Frequently Asked Questions

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Try the Help Center

What is Neofin?

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.

Is Neofin an off-the-shelf platform or a custom development company?

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.

What can we build with Neofin?

Neofin can support anything from an individual financial capability to a complete digital ecosystem.

Typical use cases include:

  • Digital wallets and payments
  • Loyalty, rewards and cashback
  • BNPL and instalment financing
  • Device financing
  • Revolving credit lines
  • Consumer and SME lending
  • Digital onboarding and KYC/KYB
  • Credit decisioning and underwriting
  • Loan management and servicing
  • Merchant ecosystems
  • Customer and merchant applications
  • Super apps combining multiple financial and engagement services

The final solution depends on your business model rather than a predefined set of modules.

Do we need to replace our existing systems to use Neofin?

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.

Can Neofin integrate into our existing mobile app?

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.

Is Neofin only for lenders and financial institutions?

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.

Does Neofin provide a full lending infrastructure?

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.

Can we launch only one component, such as loyalty or financing?

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.

How does a Neofin implementation start?

Every project starts with Discovery.

Before deciding what should be built, we work with your business and technology teams to understand:

  • Business objectives and commercial model
  • Customer journeys
  • Existing technology and integrations
  • Operational processes
  • Regulatory and compliance requirements
  • Data and decisioning requirements
  • Existing vendors and partners
  • Required custom functionality

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.

How much customization is possible?

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.

How long does implementation take?

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.

Can Neofin support enterprise-scale implementations?

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.

Can Neofin support country-specific regulations and local integrations?

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.

Can Neofin work with our internal engineering team?

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.

Who owns the solution and how is Neofin deployed?

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.

How is Neofin priced?

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.

How do we know whether Neofin is a fit for our use case?

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.

Discuss your use case →