Empowering Millions with InstantDigital Credit Solutions
Providing frictionless, data-driven, mobile-first lending services to individualconsumers, salaried employees, and Small & Medium Enterprises (SMEs) in Ethiopia.
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Target Loan Disbursements
Our Funds Over Time
0M0MAn End-to-End Digital LendingPlatform Built for Ethiopia
Bridging the enormous credit gap in Ethiopia with frictionless, data-driven, and AI-powered inclusive credit solutions.
Learn More About HDLS
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Aligned. Flexible.
Built for Operators.
We've been in your shoes—our approach is grounded in real experience.
A Growing Portfolio of
Enduring Partnerships
We partner with exceptional entrepreneurs to build businesses that stand the test of time.
Banking Partners
Neobank partners with leading Ethiopian banks including Commercial Bank of Ethiopia for account verification, EFT disbursements, and co-lending, alongside Awash Bank and Dashen Bank for disbursement and repayment collections, while planned Phase 2 integrations include Bank of Abyssinia and Zemen Bank for expanded SME and corporate banking services.
Telecom & Mobile Money Partners
Neobank partners with Ethiopia's major telecom providers, including Ethio Telecom for USSD infrastructure, SMS services, and mobile money integration, as well as Safaricom Ethiopia through M-Pesa for wallet disbursements and digital repayment channels.
Internal Ecosystem Partners (Faris Technologies Group)
Neobank operates within the broader Faris Technologies Group ecosystem, integrating closely with NeoBank Ethiopia for core banking, customer accounts, and regulated deposit frameworks, and with NeoPay Ethiopia as its primary payment gateway for merchant networks and wallet services.
Regulatory & Government Partners
Neobank works closely with national institutions including the National Bank of Ethiopia for licensing and compliance, INSA and the Fayda National ID Program for biometric eKYC verification, the Financial Intelligence Center Ethiopia for AML/CFT screening, and the Ethiopian Revenue and Customs Authority for future TIN and tax compliance validation for SME lending.
Distribution & Distribution Network Partners
Neobank collaborates with its certified field agents for customer acquisition, onboarding, and cash repayment support in underserved areas, while also integrating with CRB Africa and Ethiopia's credit bureau infrastructure for credit history verification and scoring services.
Key Strengths and Principles
NBE-compliant operations with AI-driven risk intelligence.
Deep integration with NeoBank and NeoPay ecosystems.
Instant loan approval and disbursement in under 5 minutes.
Our Leadership Team
Muluken Alemu
CEO & Founder @NeoFin Ethiopia Financial Technology S.C.
Bridging the enormous credit gap in Ethiopia through digital innovation and AI.
- Visionary leader driving the NeoFin HDLS platform to empower unbanked and underserved Ethiopians with instant credit.
- Strategic expert in integrating mobile technology and alternative data to democratize access to financial services.
- Dedicated to building a cashless economy in alignment with Ethiopia's National Financial Inclusion Strategy.
- Committed to delivering NBE-compliant, secure, and technologically advanced digital lending solutions.
Mahri Alemu
FDI Advisor & Co-Founder @NeoFin Ethiopia Financial Technology S.C.
Attracting foreign direct investment to accelerate Ethiopia's digital financial inclusion journey.
- Leading the architecture and development of the NeoFin HDLS platform with a focus on scalability and security.
- Expert in AI-driven credit scoring models and alternative data integration for underserved populations.
- Driving mobile-first engineering practices to deliver seamless lending experiences across Ethiopia.
- Ensuring platform compliance with NBE regulations and international fintech security standards.
Tesfa Tarekegn
Investment Advisor & Co-Founder @NeoFin Ethiopia Financial Technology S.C.
Driving strategic investment and growth to expand NeoFin's impact across Ethiopia.
- Providing oversight on platform architecture, security, and AI-driven credit scoring models for the HDLS ecosystem.
- Ensuring regulatory alignment with National Bank of Ethiopia (NBE) standards and international best practices.
- Advising on risk-based pricing strategies and automated underwriting workflows for consumer and SME segments.
- Supporting the mission to increase financial inclusion from 35% to 70% by 2030 through digital innovation.