Beyond Payments: Neurogine is powering SME’s for success and growth

Neurogine and the

Digital Future of SMEs.

For Neurogine Sdn Bhd Chief Owen Chen Chee Onn, starting his ownfintech was about helping people, and never just about technology.

“My journey into fintech began with a simple but urgent question,” he recalls.

“How do we make financial services more inclusive and practical for everyday people

and businesses?”.

With a background in engineering, Chen saw firsthand the way SMEs struggled with outdated financial systems that were often costly, inefficient and fragmented. Determined to bridge this gap, he founded Neurogine in 2014 with a mission to create solutions that were innovative, meaningful and accessible — even to the smallest traders.

“Digitalisation is no longer optional; it’s survival. Start small—maybe just by accepting cashless payments—but start today,” Chen emphasises. That vision has since propelled Neurogine to international recognition, including being listed in KPMG-HSBC Asia Pacific Emerging Giants 2022 Regional Report. Its latest innovation, Neurogine n2Tap, is rewriting the way SMEs transact, manage, and grow.

Intelligent Engineering

At the core of Neurogine’s philosophy is what Chen calls intelligent engineering—the fusion of discipline and creativity.

“It means setting a high bar of excellence while giving our teams the freedom to innovate,” he explains.

Every idea is tested against three simple Digitalisation for SMEs is a necessity. Neurogine is equipping MalaysianSMEs with practical and secure tools like Neurogine n2Tap, Neurogine nToken and more to compete andgrow beyond our borders.

CEO Owen Chen Chee Onn shares his insight to help

everyday entrepreneurs. questions:

• Does this help a real merchant?

• Can it scale globally?

• Can it appeal beyond

• Malaysia’s borders?

This principle has shaped Neurogine’s ambition: positioning Malaysia as a net exporter of technology instead of a net importer of technology.

“Our role is to prove that technology built here can stand alongside the best

in the world, while empowering SMEs to expand regionally with ease,” Chen says.

That mission also aligns with the government’s Budget 2026, which emphasises digitalisation as a driver of MSME growth and economic resilience.

SMEs make up 97% of Malaysia’s business landscape, yet many remain underserved by digital tools. For Neurogine, the challenge is to lower barriers so even the smallest players—hawkers, market traders, rural shops—can access fintech once reserved for large corporations.

From Warungs to Manufacturers

Neurogine’s products—tested, built, and deployed in Malaysia—are designed to lower

barriers, secure transactions, and help SMEs grow faster with less friction.

From warung owners and pasar malam traders to mid-sized manufacturers, Neurogine builds tools that are practical, affordable, and quick to deploy.

Neurogine n2Tap, for instance, transforms any Android smartphone into apayment terminal without extra hardware. In collaboration with Joacelm Sdn Bhd, the company is offering the locally made J1 Smart Multipurpose Terminal, an Android smartphone, pre-configured and bundled with Neurogine n2Tap.

“It’s a Made-in-Malaysia solution built with everyday entrepreneurs in mind,” Chen notes.

Beyond Payments

For SMEs, customer trust is everything. That’s why Neurogine n2Tap carries two

PCI Mobile Payment on COTS (MPoC) certifications—the highest global benchmark for mobile payment security.

“In simple terms, it means peace of mind,” says Chen. “Customer data is safe, transactions are reliable, and SMEs can compete with larger businesses without compromise. Trust is everything in commerce — and these two globalcertification boosts confidence so that customers can pay without hesitation.”

But Neurogine’s ambitions stretch beyond payments. Its partnership with Shanghai Sunmi Technology Co. Ltd. integrates Neurogine n2Tap into advanced POS devices, giving SMEs flexibility to grow operations. Its AI-powered self-diagnostic tool, Neurogine nDiagnostic, reduces support costs by resolving more than 80% of first- level issues remotely, minimising downtime.

Together with Neurogine nToken (for secure transactions and compliance) and Neurogine nMerchant (for insights, currencies—including central bank digital currencies (CBDCs)—and integrating directly with accounting and ERP systems, a Malaysian business can expand into Singapore or Indonesia simply by activating new features.

Neurogine’s collaboration with global fintech giant BPC AG further strengthens its cross-border reach. BPC’s track record in financial inclusion, particularly in emerging markets, aligns with Neurogine’s goal of making secure, cashless transactions accessible for businesses of all sizes.

Looking ahead, Chen believes embedded

How Neurogine n2Tap Works in Real Life At a corner warung in Segamat, Aisya, a 50-something nasi lemak seller, prepares packets for the morning rush. Like many small traders, she once relied only on cash—but not anymore. Her regulars now tap their phones to pay: no bulky machine, no fuss. For her, cashless transactions mean faster queues and fewer worries about loose change.

Now imagine she runs low on eggs. Instead of rushing to the wholesaler and tying up cash, her payment app offers an instant microloan—approved in seconds—because it knows her sales history. At the same time, predictive analytics prompt her to restock chillies before they run out, based on customer patterns.

This everyday glimpse is the future Neurogine is building: fintech tools so deeply embedded in daily business that they feel less like technology and more like common sense. Supply chain integration, and e-commerce connectivity), Neurogine offers what Chen calls “a 360° ecosystem”.

“Think of it this way—Neurogine n2Tap handles payments, Neurogine nToken secures

transactions and Neurogine nMerchant links SMEs to bigger opportunities. All of it works

seamlessly as one,” he says.

Crossing Borders

Expanding regionally is often daunting for SMEs, with each market having different currencies, QR codes, and merchant discount rates (MDRs). Neurogine’s solutions simplify this complexity. By supporting multiple finance and AI-driven insights will reshape SMEs in the next five years. Imagine microloans embedded into POS systems or predictive analytics helping traders restock before shelves run empty.

“At Neurogine, we’re already preparing for that future. We want SMEs to adopt innovations seamlessly, without disruption,” he says.

For those still hesitant, Chen offers a final piece of advice: “Don’t wait. Digitalisation is no longer an option; it’s survival. Start small—but start today.”

“The sooner you do, the faster you’ll see the benefits in efficiency, trust, and growth.

Waiting only leaves space for competitors".