What is a Neobank and how to launch ?

A neobank is a 100% digital bank that operates without physical branches. It offers financial services—like savings accounts, payments, cards, and lending—entirely through mobile apps or web platforms.
Unlike traditional banks, neobanks are built with modern technology stacks, providing faster, user-friendly, and more affordable banking experiences. They often partner with licensed banks or use Banking-as-a-Service (BaaS) platforms to offer regulated services.
🚀 How to Launch a Neobank in 2025
Launching a neobank doesn’t require you to become a bank. You need the right mix of tech infrastructure, regulatory partnerships, and customer-centric design.
✅ Step-by-Step Guide:
1. Define Your Niche & Audience
Target a specific segment—freelancers, SMEs, crypto users, or Gen Z—to stand out.
2. Choose the Right Infrastructure Partner
Use a BaaS or fintech enabler like ArthaTech to get access to:
KYC/KYB onboarding
Multi-currency accounts
Branded virtual/physical cards
Compliance and AML modules
APIs for payments and wallets
3. Build a Clean, Mobile-First UX
Design an app that simplifies banking—track expenses, manage cards, and make transfers in seconds.
4. Handle Compliance & Licensing
Partner with a licensed bank or BaaS provider. Let them manage regulatory frameworks while you focus on the front-end.
5. Go to Market with Trust
Offer real value—no hidden fees, instant card issuance, 24/7 support. Build credibility through transparency.
6. Scale with Data & Personalization
Use analytics and AI to offer smart savings, credit insights, or investment options.
💡 Why Choose ArthaTech to Power Your Neobank?
ArthaTech offers modular, white-label fintech infrastructure that lets you go from idea to launch in weeks, not months. From onboarding users to issuing branded cards, we handle the backend so you can focus on growth.
📩 Want to launch your own neobank? Let’s talk — visit www.arthatech.in