Financial infrastructure to power up your business

Seamlessly embed financial services—from payments and earned-wage access to lending products—into your platform. Build a more profitable business.

WHY EMBEDDED FINANCE

The easiest way to bring financial experience to your business

Our embedded finance solutions can help your business expand revenue streams, create unique value propositions, and attract new customers while strengthening relationships with existing users.

Increase product stickiness

Create stickier products by integrating financial services like payments, earned wage access and lending directly within the user journeys on your platform, and motivate customers to keep coming back.

Expand revenue streams

Open up new revenue streams and increase profitability for your business by earning fees from interchange, co-branded cards, lending offerings and more.

Build insights-driven products

Generate rich data on users’ financial behaviours and preferences to drive targeted marketing and personalised product design, making the overall user experience more customer-centric.

WHAT WE OFFER

One platform to manage all your financial services

Complete suite of plug-and-play financial solutions designed for your business and customers.

Payments

One platform to help you to accept, send and manage your payments. No matter the size of your business and industry.

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Lending

Embed airtime lending, COD financing or term-loans with customised terms aligned with your business goals.

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Neem business portal

Gain a complete view of your transactions, usage patterns, revenues, refunds, and other valuable insights with our powerful reporting dashboard.

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Earned wage access

Empower your employees with responsible earned wage access, ensuring their financial freedom, everyday needs and plans for the future.

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August 5, 2023

The story of rebranding Neem

While creating Pakistan's first embedded finance platform, we felt our brand identity fell short, so we embarked on a rebranding journey.

Read more

August 5, 2023

Neem enters into a strategic investment partnership with DNI Group to revolutionise finance across emerging markets

The partnership involves significant investment by the DNI Group into Neem, as well as strong product-led synergies.

Read more

August 19, 2023

Navigating ESOPs: Everything you need to know about Employee Stock Options

Discover the essentials of implementing ESOPs and building a culture of shared ownership with our comprehensive guide.

Read more

September 20, 2023

Product launch: Introducing our embedded payments infrastructure for Pakistan's businesses

Our payments infrastructure empowers digital businesses to embed payment products such as accounts, cards and more.

Read more

October 16, 2024

Empowering Pakistan’s salaried workforce with a Shariah-compliant earned wage access solution

Launching Neem Paymenow to address the financial struggles of the salaried segment in Pakistan with debt-free access to their earned wages.

Read more

November 5, 2024

Neem secures $4M credit facility to scale earned wage access in Pakistan

Neem secures $4 million credit facility in funding form DNI Group to scale our earned wage access solution across Pakistan.

Read more

December 3, 2024

Sehat Kahani and Neem partner to transform digital healthcare in Pakistan with embedded finance

Sehat Kahani, Pakistan’s leading digital healthcare platform, partners with Neem to streamline payments and boost business growth.

Read more

Global media talking about Neem

WHY NEEM

Effortlessly embed finance with speed and ease

We make it easier for any digital platform to add financial services to their product. We handle all the intricate details behind the scenes – compliance, partnerships, and technical integrations – so you can focus on what truly matters: your customers.

Build and launch faster

With our comprehensive suite of APIs, SDKs, developer tools, and guides, get ready to build and launch in a matter of weeks.

Best in class technology

Our technology infrastructure is reliable and robust. We collaborate with top technology partner to strengthen our platform.

Fully compliant & secure

We streamline all necessary compliance and security functions while ensuring data protection and system integrity.

NEEM API INFRASTRUCTURE

Start building in minutes with our easy APIs

Save engineering time and resources with our powerful APIs and SDKs, allowing you greater control as you build innovative financial solutions. Our platform is designed with developers in mind, to quickly build, prove, test, and launch to customers.

Start building

Cloud-native APIs

Our cloud-based technology offers seamless integration through our robust and secure APIs, enabling swift implementation and launch in weeks.

Comprehensive guides

Our guides and API documentation will walk you through everything, from the basics of building financial products to the advanced mechanisms to keep them running smoothly.

Third party integrations

Play around with our built-in integrations, granting you more control and flexibility to build innovative financial solutions that suit your customers.

OUR NORTH STAR

Financial wellness is our north star

Our goal is to prioritise full financial wellness for both businesses and individuals by offering full suite of financial services. Neem was launched by a team of passionate finance and technology pioneers with a powerful vision for impact and global experience.

Learn more about us

August 5, 2023

The story of rebranding Neem

While creating Pakistan's first embedded finance platform, we felt our brand identity fell short, so we embarked on a rebranding journey.

Read more

August 5, 2023

Neem enters into a strategic investment partnership with DNI Group to revolutionise finance across emerging markets

The partnership involves significant investment by the DNI Group into Neem, as well as strong product-led synergies.

Read more

August 19, 2023

Navigating ESOPs: Everything you need to know about Employee Stock Options

Discover the essentials of implementing ESOPs and building a culture of shared ownership with our comprehensive guide.

Read more

September 20, 2023

Product launch: Introducing our embedded payments infrastructure for Pakistan's businesses

Our payments infrastructure empowers digital businesses to embed payment products such as accounts, cards and more.

Read more

October 16, 2024

Empowering Pakistan’s salaried workforce with a Shariah-compliant earned wage access solution

Launching Neem Paymenow to address the financial struggles of the salaried segment in Pakistan with debt-free access to their earned wages.

Read more

November 5, 2024

Neem secures $4M credit facility to scale earned wage access in Pakistan

Neem secures $4 million credit facility in funding form DNI Group to scale our earned wage access solution across Pakistan.

Read more

December 3, 2024

Sehat Kahani and Neem partner to transform digital healthcare in Pakistan with embedded finance

Sehat Kahani, Pakistan’s leading digital healthcare platform, partners with Neem to streamline payments and boost business growth.

Read more

Backed by global investors & angels

FROM THE BLOG

Discover latest news and insights from the Neem world of embedded finance

Sehat Kahani and Neem partner to transform digital healthcare in Pakistan with embedded finance

December 4, 2024

Partnership updates

Sehat Kahani and Neem partner to transform digital healthcare in Pakistan with embedded finance

Sehat Kahani, Pakistan’s leading digital healthcare platform, partners with Neem to streamline payments and boost business growth.

Neem secures $4M credit facility to scale earned wage access in Pakistan

November 5, 2024

Company updates

Neem secures $4M credit facility to scale earned wage access in Pakistan

Neem secures $4 million credit facility in funding form DNI Group to scale our earned wage access solution across Pakistan.

Empowering Pakistan’s salaried workforce with a Shariah-compliant earned wage access solution

October 16, 2024

Company updates

Empowering Pakistan’s salaried workforce with a Shariah-compliant earned wage access solution

Launching Neem Paymenow to address the financial struggles of the salaried segment in Pakistan with debt-free access to their earned wages.

Let’s enable financial wellness for your business and customers together

Book a call