Neobanking, a child sector within Superscout's Fintech category, encompasses the digital-only banks and banking platforms that provide deposit accounts, payments, and financial services without traditional branch networks. With 2 funders actively investing in neobanking startups tracked in Superscout's database, the sector has matured from a wave of consumer neobanks to focus on specialized banking for specific segments: SMBs, gig workers, immigrants, teens, and specific professional communities.

For neobanking founders, the 2025-2026 funding environment rewards banks with clear paths to profitability (interchange revenue, lending income, or premium subscription tiers), strong unit economics, and differentiated positioning that serves specific underbanked segments rather than competing head-on with incumbent banks and established neobanks like Chime and Revolut.

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