Neil Appalsamy is a seasoned fintech leader and entrepreneur with over 25 years of experience in financial services and technology. As the CEO and Co-Founder of 4PAY INC., he and his co-founders drive the company’s mission to transform financial ecosystems through its Collaborative Finance (Co-Fi) platform, which bridges financial institutions, fintechs, and underserved communities to create innovative and inclusive financial solutions. He frequently shares insights on digital transformation, inclusive innovation, and the future of financial systems at global conferences and industry events. Beyond his professional endeavors, Neil is passionate about mentoring emerging talent and fostering partnerships that drive long-term community impact.

Neil’s work spans global markets, including impactful deployments across Africa and the Caribbean. From advancing digital banking initiatives to enabling community-focused financial products, his leadership emphasizes sustainable innovation, cross-sector collaboration, and financial inclusion. A strong advocate for regulatory compliance and cybersecurity, Neil ensures 4PAY’s platforms meet the highest standards of regulatory adherence and data protection, creating secure and trustworthy solutions for all stakeholders.

Neil’s global perspective has been enriched by years of professional expatriate experience, allowing him to navigate diverse markets with a nuanced understanding of local challenges and opportunities. He holds a Bachelor’s degree from York University and has completed executive education at Harvard Business School. Additionally, Neil served in the Canadian Armed Forces as part of the Armoured Corps.

Neil lives in Canada with his family and is an avid scuba diver, embracing the opportunity to explore the depths of the ocean as a reflection of his curiosity and drive for discovery.