Malhotra’s journey in the fintech domain is as unique as it is inspiring ,decade ago, he gained fame as a tech YouTuber, scaling his channel to a million followers
India has emerged as a global leader in the fintech revolution, with innovations like UPI redefining the way transactions are conducted. Yet, behind this remarkable progress lie the stories of visionaries who are driving the transformation. One such trailblazer is Ryan Malhotra, the Founder and CEO of NeoFinity, who combines entrepreneurial acumen with a strong digital presence to make a significant mark in the industry.
“India is a market leader in fintech,” Malhotra said during a recent interview, emphasizing the strides the country has made in digital payments. “When I travel to countries like the US or UK, it’s surprising to see that most transactions are still card-based. We’ve done exceedingly well as a country, but we don’t gloat about it enough.”
Decade Of Innovation
Malhotra’s journey in the fintech domain is as unique as it is inspiring. A decade ago, he gained fame as a tech YouTuber, scaling his channel to a million followers long before platforms like TikTok existed. “Back then, a million followers meant so much more because the internet landscape was vastly different,” he recalled. Despite being offered a tech show by a leading news channel, Malhotra chose to dive into product development, marking the beginning of his entrepreneurial journey.
He started by assisting friends in building startups across healthcare, edtech, and content, helping them scale from zero to one. “That’s where I truly understood the ecosystem and what it takes to succeed in it,” he said.
Building Fintech Empire
Armed with insights and experience, Malhotra founded Money Amma, a fintech startup based on a patented innovation. A year later, he launched Cashware, an all-in-one card that links multiple cards, wallets, and apps into a single payment solution. This groundbreaking idea earned him recognition from the Reserve Bank of India (RBI). “The RBI awards very few entrepreneurs. Most of the time, they just reprimand or trouble them,” he quipped, underscoring the rarity of his achievement.
Today, Malhotra helms NeoFinity, a company funded by Neo Group, a prominent wealth and asset management firm. Under his leadership, NeoFinity is shaping the future of digital payments and financial services in India.
Reinventing Influence
Apart from his entrepreneurial ventures, Malhotra is a digital influencer with a growing presence on Instagram, where he has amassed 1.50 lakh followers. “I call myself a 2x influencer—first on YouTube and now on Instagram,” he said. His ability to blend innovation with influence has set him apart in the fintech industry.
Road Ahead
India’s fintech journey is far from over, and leaders like Ryan Malhotra are ensuring the momentum continues. “We’ve set global benchmarks with innovations like UPI, and the world is watching,” he said. As NeoFinity continues to grow, Malhotra remains focused on building solutions that redefine how financial services are accessed and delivered.
With pioneers like him at the helm, India’s fintech story promises to be one of sustained innovation and global impact.