Quote from santhosh on June 23, 2025, 11:02 am

With the global shift toward digital finance, Neobank apps are rapidly redefining how users manage money. From zero physical branches to full-stack mobile banking experiences, neobanks are gaining traction across both developed and emerging markets.

At Fourchain Technologies, we've been actively building fintech and neobanking solutions for startups and enterprises. I’d like to open a discussion here for developers, fintech enthusiasts, and entrepreneurs interested in building or scaling a neobank.

💡 Key Components of a Neobank App:

• KYC & Onboarding Automation

• Multi-Currency Account Support

• Peer-to-Peer & QR Code Payments

• Virtual & Physical Debit Card Integration

• Real-time Transaction History & Analytics

• AI-based Spending Insights & Budgeting Tools

• Customer Support Chatbots

• RBI/EMI License-based Compliance Layer (India) or PSD2 (EU)

🛠 Tech Stack We Recommend:

• Frontend: React Native or Flutter

• Backend: Node.js + MongoDB/PostgreSQL

• APIs: Open Banking APIs, RazorpayX, M2P, Zeta, Galileo (region-dependent)

• Security: 256-bit encryption, 2FA, biometric login

• Cloud: AWS/GCP with containerized deployment (Docker + Kubernetes)

📈 Business Models for Neobanks:

• Freemium model with tiered services

• Subscription-based premium features

• Interchange fees from card payments

• Lending, Buy Now Pay Later (BNPL) integrations

We’re currently working on launching a modular Neobank-as-a-Service framework that makes development faster, secure, and fully compliant.

💬 Discussion Prompt:
Are you planning to build a Neobank in 2025? What are the biggest challenges you foresee — regulation, tech stack, or go-to-market? Let's exchange ideas, tools, and strategies.

📎 Feel free to drop your questions or DM if you want to explore partnership or development support.