Recorded live at Money20/20 Bangkok, 2026
The FinTech infrastructure race isn't just about payments anymore. Neofin has spent three years rebuilding from a geo-agnostic lending tool into a full financial super app engine; and the businesses buying in aren't banks. They're retailers, telcos, and gas station networks.
In this short conversation recorded live at Money2020, I catch up with Svitlanka, Co-Founder of Neofin (and 2nd time Purpose Driven FinTech podcast guest), on what's changed, who they're building for, and why transactions alone no longer create loyalty.
Key takeaways: Why non FinTech businesses with large user bases are Neofin's core customer
- How NeoFin sits between the retailer and the bank, and what each party covers
- The product evolution from standalone lending to wallet, BNPL, and full financial ecosystem
- Why 360 experiences beat pure transaction infrastructure for long-term retention
- What's next….agentic payments and a major European launch
We cover:
(00:00) Three years on, what's changed at Neofin
(01:30) From lending infrastructure to full FinTech ecosystem
(02:30) Who NeoFin's customers are and why retailers are launching BNPL wallets
(03:45) The bank + Neofin partnership model explained
(04:30) Why transactions don't build loyalty; and what does
Follow for more discussions on building FinTech products with customer and commercial impact and to stay updated on the latest episodes.
👉 Connect with Svitlanka:
LinkedIn: https://www.linkedin.com/in/svitlanaromaniuk/
Website: https://neo-fin.com/
👉 Connect with Monica
LinkedIn: https://www.linkedin.com/in/monicamillares/
YouTube: https://www.youtube.com/@moni_millares
TikTok: https://www.tiktok.com/@moni_millares
Website: https://www.purposedrivenfintech.com/
Production and marketing by Monica Millares. For inquiries about sponsoring the podcast, email Monica at fintechwithmoni@gmail.com
Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
