In a strategic technology partnership, Neem, an embedded finance platform built by fintech entrepreneurs and launched in Pakistan, is joining hands with a global technology house BPC to develop its embedded finance technology stack. Neem is the first fintech enabled by BPC in Pakistan.  

As an emerging financial market, Pakistan has over 200 million individuals and 3.3 million MSMEs who are underbanked. Embedded finance is globally recognized as the future of financial services and a model with the potential to bridge the financial wellness gap, especially in emerging markets. To further its mission of bringing financial wellness to underbanked communities, Neem selected BPC’s SmartVista platform to power its embedded finance technology infrastructure to offer a seamless user experience for Neem’s partnering communities and their underbanked users. 

“In BPC, we have a strong technology partner with a deep understanding of the global trends and local market dynamics. We are building our infrastructure together, firstly for Pakistan and then for the emerging markets”, commented Nadeem Shaikh, Co-founder at Neem.

As an embedded finance platform, Neem is on a mission to enable full financial wellness for underbanked communities – both individuals and businesses. Neem is seamlessly embedding financial products and services including payments, loans, insurance, and others into communities across diverse sectors, including agriculture, MSMEs, e-commerce, fintech, logistics, healthcare, and others.

Jane Loginova, Chief Strategy Officer at BPC, said: “At BPC, we aim to solve critical consumer and business challenges by building a bridge between real life to digital, enabling real-life transactions. Therefore, I am very honored that Neem’s founding team has chosen BPC as its technology partner to realize its vision for financial wellness. I strongly believe that Neem’s different take on financial services will reshape the lives of many across Pakistan, enabling access to payments and banking services for everyone, whenever and wherever they need it.”

Ahson Saeed,  Managing Director of BPC in Pakistan, said: “We are building our infrastructure in Pakistan to empower fintech and use-cases like Neem. We strongly believe that embedding financial services in this way will offer greater financial inclusion and increased reach of financial services to the masses as well as businesses. We are excited to partner with Neem in this space.”

Pakistan offers immense opportunities to leverage the power of payments innovation, as the country rapidly transforms into a future-proof economy under the initiative ‘Pakistan the Digital State’, which impacts all industries from agriculture, healthcare, education, and commerce to government and financial services. 

This partnership is the first step in building a unique financial technology infrastructure launched in Pakistan and scaled towards wider emerging markets to create products and services for underbanked communities.

About Neem

Neem is an embedded finance platform enabling financial wellness for underbanked communities. Neem is seamlessly embedding financial products and services into communities across diverse sectors, including agriculture, MSMEs, e-commerce, fintech, logistics, healthcare, and others. Neem’s core business model comprises a Banking as a Service Platform (BaaS) and a Lending Platform. Neem’s platforms are designed to scale rapidly through trusted community partnerships and open API infrastructure. Neem was founded by serial fintech entrepreneurs, technologists, and operators together with a global diverse team. Founded in Pakistan and building for emerging markets.

About BPC

Founded in 1996, BPC has transformed over the years to deliver innovatively and best-in-class proven solutions that fit with today’s consumer lifestyle when banking, shopping, or moving in both urban and rural areas, bridging real-life and the digital world. With 350 customers across 100 countries globally, BPC collaborates with all ecosystem players ranging from tier-one banks to neobanks, Payment Service Providers (PSPs) to large processors, eCommerce giants to start-up merchants, and government bodies to local hail riding companies. BPC’s SmartVista suite comprises cutting-edge banking, commerce, and mobility solutions including digital banking, ATM & switching, payments processing, card and fraud management, financial inclusion, merchant portals, transport, and smart cities solutions.


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