Why Neofin Killed Its Niche and Rebuilt From Scratch. And What They're Launching Next | Svitlanka Sergiichuka, CEO & Co-Founder, Neofin

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 coversThe product evolution from standalone lending to wallet, BNPL, and full financial ecosystemWhy 360 experiences beat pure transaction infrastructure for long-term retentionWhat'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

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