Niyo Global
The app interface is modern and beautiful, but the main problem is with banking partner.
SBM bank ,which has very bad reputation, even their customer support is not upto the mark .
So why SBM ?
IT has better saving interest, have airport lounge facility, free debit card ,global presence.
But most of people facing many problem specially when they are out of the country.
Imagine someone only carry this card with him and few cash … and if any problem arise then he can’t even back to India…
The main purpose of this card to travel, to visit different country but if people face this type of problem then it’s useless.
I have niyox (Equitas SFB) which is very good ,never had an issue .
But then Why people choose niyo global 
Please fix a serious meeting with Sbm and try to solve this problem…
For your info ,finin, a neo bank 
with Sbm can’t even acquire customers, have issue like upi linking , so please try to solve or find better banking partner to grow.
@Viren Sir