Australia has the 8th largest pool of managed funds in the world and its major four banks consistently rank amongst the world’s most profitable.  The wealthy island nation is a fertile ground for innovation from within, with the nation’s populace serving as an engaged group of early technology adopters, which has led to great success for Fintech, Regtech, Insurtech, and Big Data startups. Recognizing the importance of innovation in the sector, the government has prioritized fintech, investing in open banking and digital identity technology and supporting an agile regulatory environment. There are over 800 Fintech companies in Australia tackling the challenges of the $196B domestic financial services industry.

With so many companies in the fintech space, we’ve put together a list of exciting companies to keep an eye on in the coming years. Each doing amazing things in their own right, here we present the 90 Australian Fintech companies to watch in 2021.

  1. Cover Genius

Cover Genius is the insurtech for embedded insurance that protects the global customers of the world’s largest digital companies including Booking Holdings, owner of Priceline, Kayak and, Intuit, Skyscanner and Descartes ShipRush. We’re also available on eBay, Wayfair, Tile and, SE Asia’s largest company, Shopee. Cover Genius’ vision is to protect all the customers of the world’s largest online companies through XCover, an award-winning global distribution platform for any line of insurance or warranty, and XClaim, an API for instant payment of approved claims that delivers an NPS of +65, a result that has been independently recognized as the highest for any insurance company globally. Cover Genius and partners co-create solutions that embed protection, aided by Cover Genius’ licenses in 60+ countries & all 50 US States.

2. HaaS

HaaS is a cloud-native platform to rapidly embed extraordinary financial services into any business. Through our as-a-Service ecosystem, financial and non-financial businesses finally unlock access to payments services and can control a full suite of microservices via one simple API integration. Businesses and specifically experience-led brands are realising the importance of developing payments experiences unique to them and that directly meet their individual customer needs.
We work with both financial and non-financial businesses. And even those with extensive financial services expertise, many don’t want to have to grow internal capabilities to become payments businesses. The cost of ownership is too immense. Using our one-stop embedded finance ecosystem, brands remove the complexity, cost and time of becoming a payments business, but improve flexibility, speed, and allow them to finally be in control of their customer’s payment experience.

3. Credit Clear Limited

The modern world moves fast. Gone are the days of paper bills and weekly budgets. People are on the move and their money needs to move with them. Credit Clear is a technology-enabled communications platform helping businesses drive smarter, faster and more innovative financial outcomes by changing the way people manage their re-payments. Through the simple act of digitising and customising the process of invoicing, Credit Clear has eliminated the need for multiple notices and payment avoidance. Re-payments are now about forming a relationship with your customers and replacing the stress and pain of payments with flexibility and choice.

4. PayLater Travel

PayLater Travel™ was founded in 2017 with the goal to disrupt the way customers pay for travel. Pay Later Travel allows customers to travel debt-free and pay for their travel in up to 26 weekly payments. The lay-by product gives our customers the flexibility and convenience to lock in great prices today with a small deposit and pay the remainder over a period that suits their lifestyle and budget. We are proud to help our customer’s save money whilst also making their travel dreams a reality, with no credit checks, no hidden fees and no interest charged. Our mission is to make travel accessible for everyone.

5. Sargon

Sargon provides financial institutions and entrepreneurs with the technology and infrastructure they need to successfully build and grow investment funds and financial products. Through a powerful combination of financial licenses, industry experts and modern technology, we help our clients navigate regulatory complexity, security and compliance so that they can focus on what matters most: building a better future. Founded in 2013, Sargon operates across Australia, New Zealand and Hong Kong.

6. OxPay Financial Limited

OxPay Financial Limited (SGX: TVV), formerly MC Payment Limited, is a payment service provider headquartered in Singapore. The company works with acquiring banks and solution providers to offer both online and offline merchants payment processing. At present, MC Payment has offices in Singapore, Malaysia, Indonesia and Thailand.  Based out of Sydney, New South Wales, Australia.

7. Waddle

Our mission is to make it easy for small businesses to access lending. With Waddle, they can manage their daily cash flow to suit the way they manage their business. And since 2014, we’ve gone from assisting companies in Australia to partnering with financial institutions around the world. At Waddle, we help businesses grow. With our innovative invoice finance platform, we offer industry-leading automation and flexibility, along with the friendliest terms and the most transparent pricing. Seamlessly connecting with all major accounting platforms, our software gives Australian businesses easy and fast access to working capital. These days we’re also working with financial institutions around the world, who are offering a version of the Waddle platform to their own business customers.

8. EonX

EonX is a financial technology company powering the next generation of eWallet, Payments & Loyalty platforms which enable businesses, consumers and employees to better engage and transact in today’s digital world. A group of thought-leading specialists with a shared vision to transform the Loyalty & Fintech space globally. A ‘tech-first’ operator developing disruptive game-changing technology for leading industry and modern enterprise.

9. ThinCats Australia

Peer-to-Business lending platform ThinCats Australia connects wholesale investors with SME borrowers across Australia. A new player in the FinTech space, we are poised to provide a disruptive service benefitting both borrowers and lenders. Borrowers: We’re here to offer a better option with medium-to-long-term loans (2 to 5 years) to facilitate cash flow for real business growth at far lower interest rates than short term, non-bank lenders. Lenders: We deliver access to a new fixed income asset class with higher returns and risk diversification through secured fractional lending to multiple businesses. All in one easy to use technology platform where you can view and directly lend to businesses that you choose. Launched in December 2014, ThinCats Australia operates under an Australian financial services licence and is 25% owned by ThinCats UK, one of the UK’s leading P2B lenders to SMEs.

10. Marketech

We’ve been building online trading platforms in Australia for 20 years, with a focus on empowering businesses with access to leading data and tools. Constantly innovating, Marketech has the edge over our competitors, not constrained by a dependency on legacy systems. This trading power is now available to all ASX investors, delivering many of the premium features professional institutions rely on, through an easy-to-use interface and priced to deliver value for anyone serious about trading.

11. CoinJar

Established in 2013, CoinJar is one of the longest-running cryptocurrency exchanges. Our services allow users to buy, sell, store and spend digital assets. As an award-winning, venture capital-backed startup, we’re known for our simple and easy-to-use products. Innovations such as the popular digital currency debit card, CoinJar Swipe, and our CoinJar iOS and Android apps have put digital currency in the hands of hundreds of thousands of people. Our sights are set on building valuable applications in the digital currency industry – best in class products that work to your benefit.

12. Listcorp is a new website designed to help investors discover new investment opportunities and learn about the companies listed on the Australian Securities Exchange, and to help those same companies present their businesses directly to investors. It is a platform designed to help Listed-companies communicate more effectively with private investors. Based out of Richmond, Victoria, Australia

13. MoneyMe Limited

MoneyMe: Finance the smarter, faster way. To sum us up, we offer a range of award-winning and innovative digital credit solutions for consumers and businesses. We understand tech-savvy Australians, who are looking for faster, more convenient, and simpler access to credit directly from their mobiles. And because we’re a bunch of tech-lovers ourselves – we get it, and you! Our advanced technology platform allows us to provide an outcome in a matter of seconds, with funds sent or credit limits available immediately once approved. On top of that, our smart algorithms allow us to provide personalised, risk-based pricing that results in fairer and lower-cost loans for you.

14. SocietyOne

SocietyOne is Australia’s leading digital finance platform. Our mission is to provide a better deal for borrowers and lenders… helping both to achieve their goals. SocietyOne has been at the forefront of FinTech disruption of the financial services industry in Australia since 2012 and is widely recognised as the pioneer and leading digital lender in Australia. SocietyOne is backed by a diverse range of shareholders including News Corp Australia, Seven West Media, Consolidated Press Holdings, Reinventure (whose largest investor is Westpac) and a number of credit unions and mutual banks.

15. Money3

Money3 (MNY) is a specialist provider of Automotive consumer finance in Australia and New Zealand, with a focus on providing Secured Automotive loans to customers that traditionally have difficultly procuring mainstream financing from traditional lenders and finance providers such as banks. MNY currently operates across 3 core brands being Money3, Automotive Financial Services (AFS) Australia, and Go Car Finance (NZ) and collectively manages a growing profitable loan book of $556.7m in Gross Loan receivables across over 60,000 active customers.

Across these brands MNY provides an end to end lending and collections offering that caters to Commercial, Consumer, near-prime and non-conforming secured Auto loans. MNY is expected to deliver strong loan book growth across an expanded addressable market, targeting $1bn of gross loan receivables by FY24 and is well funded to support its objectives with current capacity under existing funding arrangements to support book growth to $800m over the medium term.

16. GO Markets

GO Markets was founded in 2006 in Melbourne, Australia and is a financial services provider of online Foreign Exchange (Forex) trading services, offering Margin FX, CFD Trading, Cryptocurrencies as well as Binary Options trading to individuals and institutional clients. Widely regarded as the broker that successfully introduced Meta Trader 4 (“MT4″​) to Australian retail traders, we have a qualified team of specialists with in-depth knowledge and invaluable experience with the online trading platform.


BestExchangeRates provides retail currency exchange rate & service comparisons of vendors in over 50 countries including Australia, New Zealand, United Kingdom, Singapore, Hong Kong, Canada and the Eurozone Who we Help FX Providers: Our goals are to drive revenue, customer engagement and audience growth for our partners and clients. FX Customers: Our price comparison algorithms and calculator can save our customers time and money since by finding which vendor is offering the best rate for cash exchange and money transfers in real-time.

18. Card Access Services

Secure 24/7 Payment Processing with Australia’s most experienced Payment Gateway Provider With over 24 years in the payment processing industry, Card Access Services has been providing solutions to Australian and international businesses of all shapes and sizes…from large corporate household names – to entrepreneurial startups. Services include custom software and hardware design and development, mobile application development, protocol conversion, managed services, integration At the heart of our technology is ETx – our payment gateway and data management platform, which powers all of our solutions; Secure Online & Mobile Payments, Contactless SmartCard systems, Recurring Billing, Tokenisation and Direct Debit Processing to name just a few.

19. Australian FinTech is the #1 website in Australia for all things relating to financial technology or ‘FinTech’​ Australian FinTech showcases Australia’s best and brightest FinTech companies and promotes them to the world. Our directory consists of over 800 FinTech companies that operate in Australia and our daily newsfeed keeps the industry abreast of all the latest happenings in FinTech in Australia. Our affiliate site is Australia’s only dedicated FinTech jobs platform. Showcasing Australian FinTech companies & news Based out of Burleigh Heads, Queensland, Australia.

20. Tic: Toc

Tic:Toc is a tech company that creates solutions to make processes within the financial services space faster, smarter and simpler. Tic:Toc combines Explainable Artificial Intelligence (XAI) with digital fulfilment and underwriting expertise, to improve and accelerate customer experiences, lending application and decisioning. Tic: Toc has a proven ability to create industry solutions, demonstrated by the development and commercialisation of the world’s first fully digital home loan platform, launched in July 2017.

21. Stockspot

Stockspot is Australia’s first and largest digital investment adviser. We were founded in 2013 with a mission to help more Australians access expert investment advice and portfolio management. We want to do away with the high fees, confusing jargon, endless paperwork and lack of transparency that gives the wealth management industry a bad reputation. Today, we’re the largest and fastest-growing digital investment advice (Robo-advice) service in Australia. We’re helping thousands of Australians manage their money smarter with our low-fee transparent investment service. Stockspot was selected as one of the Leading Fintech Innovators globally by KPMG in 2014 and 2015, Asia’s most innovative new financial technology start-up of 2014. We’ve also just won the 2020 Wealth Management Fintech of the Year.

22. Tyro Payments

Providing tailored payment solutions and value-adding business banking products to Australian businesses. Tyro Payments is an Australian financial institution specializing in merchant credit, debit and EFTPOS acquisition. Based out of Sydney, New South Wales, Australia. Tyro was founded in 2003 by Peter Haig, Andrew Rothwell and Paul Wood as MoneySwitch Ltd. Tyro was the first new entrant into the Australian EFTPOS business since 1996. In a final status update provided to merchants on 27 January 2021, Tyro indicated that the number of terminals connected to Tyro’s network returned to pre-incident levels with only a limited number of merchants that were still impacted. In total, 70% of all of Tyro’s merchants were unaffected by the incident, while 11% of merchants had at least one terminal fully functional at their business premises with the remaining 19% of merchants completely impacted. These fully impacted merchants were the focus of Tyro’s efforts to return them to a fully functioning operational state.

23. Fillr

Fillr’s Autofill API’s are powering transactions on the world’s top eCommerce, buy now pay later, fintech, metasearch, cashback and coupon apps including Afterpay, Affirm, Rakuten, Zip, QuadPay, Drop, Paidy, Butter, ShopBack, FuPay, Ruby and FlexiGroup Fillr has developed ‘autofill as a service​ that seamlessly integrates into your app, enabling your customers to transact faster, boosting your conversions and revenue. We’ve spent years building the world’s best autofill… So you don’t have to. Behind their simple façade, forms are deceptively complicated. A jumbled mess of code in a multitude of formats, they are constantly changing and updating.

Fillr, already the world’s most accurate autofill, continues to improve through machine learning and internal benchmarking platforms and regression framework. Accessing our powerful mapping engine, along with our algorithms developed by analyzing hundreds of thousands of forms, Fillr utilizes Advanced Textual Heuristics™ to read forms as close to human representation as possible. This means your customers will get a fast and accurate form-filling experience every time. Led by second-time entrepreneurs Chris Koch and Chad Stephens. With their first tech venture, they transformed the Australian housing market gaining 90% market share before it was acquired by publicly listed REA/Newscorp (, $6b market cap).

Fillr has offices in Melbourne and San Francisco and is backed by SoftBank China Capital, Southern Cross Venture Partners, Reinventure and Constant Innovation. Fillr’s investors have collective experience in creating, growing and managing hyper-growth companies and are some of the world’s most successful tech entrepreneurs. Recent investment by SoftBank China Capital, Alibaba’s single largest investor, provides further endorsement of Fillr’s advanced tech and mission to make transacting on mobile easier.

24. Thorn Group Limited

Thorn Group Limited (ASX: TGA) is a diversified financial services organisation that provides alternate consumer and commercial leasing products and consumer and commercial financing solutions. At Thorn, we employ over 500 people across the nation to help us deliver an amazing customer experience in our businesses Radio Rentals / RR Rentlo Reinvented and Thorn Business Finance. Radio Rentals helps to make life easier by giving customers affordable access to household essentials and technology.

We believe that choice, value and convenience are three of the most important things to offer, so we make sure it’s at the heart of what we do with some of Australia’s most trusted brands. Thorn Business Finance specialises in providing financial products and services, tailored to meet the unique needs of small to medium businesses across Australia. We believe it’s important to ensure that our business partners can invest in new assets while protecting business-critical cash flow.

25. Pearler

Pearler is an Aussie startup that simplifies investing for financial independence. We’re making it easier for you to invest, compare strategies and measure progress towards your FI goals. Pearler is an Aussie startup that simplifies investing for financial independence. Based out of Sydney, New South Wales, Australia.

26. QuietGrowth

QuietGrowth is a digital investment management service or robo advisor. We manage the investments of clients to achieve risk-optimised returns over the long term. QuietGrowth provides personalised investment advice to the client and manages the funds that the firm invests on behalf of the client. We offer customised and diversified portfolios to the client. We support Individual, Joint, SMSF, and Trust account types. Our highly-skilled investment experts and engineering teams have built a robo advice solution that automates the delivery of our service. Our solution uses algorithms and interactive interfaces to provide a high-quality service. We are the most advanced online investment adviser in Australia.

27. DigitalX

DigitalX Limited (ASX: $DCC), the world’s first publicly listed Bitcoin company. We focus on digital asset funds management and building RegTech products. DigitalX is an Australia-based software solutions company developing products and services. Based out of Perth, Western Australia, Australia.

28. GigSuper


a super fund that works for all sorts of self-employed people like freelancers, tradies, photographers, consultants, drivers, creatives, independent contractors, coaches, small business owners and anyone else who works for themselves. Helping self-employed people pay themselves super in 3 simple steps. GigSuper is a unique app-based super fund for self-employed folks. Based out of Docklands, Victoria, Australia.

29. Beam

Beam is a 21st-century global payments acceptance platform with built-in support for smart contracts. We created Beam to overturn the status quo in the retail value chain; where stakeholders engage with their customers in a direct, meaningful and effective manner. The blockchain startup space is brimming with great ideas, many of which have the potential to be highly disruptive and innovative. What makes us different is our track record: we have been building out the Beam Platform since 2011.

In that time, we have developed relationships with stakeholders ranging from mom and pop stores to enterprise retailers, brands and distributors such as Carrefour, Costa Coffee, ALDO, Tommy Hilfiger, Unilever, Coca-Cola and many more. Today Beam’s technical network reach exceeds 400,000 stores globally, with over 5,000 live stores in three continents. Having executed over 4.3 million smart contracts with a total throughput in excess of $250 million, we have proven the benefits of the Beam at scale. Using a token economy specifically built for retail, we are opening up Beam’s proven smart contracts protocol to the world to accelerate our growth globally.

30. Wildcard

Wildcard is not a bank, nor a digital-only clone of one. We’re a tech company helping people to build up their savings, by spreading out their paycheque. We’re starting with transaction accounts, the most important product in your financial life. By keeping your spending money separate from bills, you won’t be stuck for cash when the rent is due. Wildcard is a FinTech company that helps people to spread out their paycheque. Based out of Sydney, New South Wales, Australia.

31. uno home loans

uno combines unparalleled service with technology to streamline the entire process of getting and having a home loan so you save time, hassle and money for the entire time you have a home loan. uno allows consumers to access real-time home loan rates based on their personal situation. Based out of Sydney, New South Wales, Australia.

32. NowInfinity

NowInfinity is on a mission to redefine document generation and entity management for Accountants, Financial Planners, Bookkeepers, SMSF Strategists, and Lawyers. Through innovation, the NowInfinity platform features tools for rapid company formation with ASIC, compliance tools and legal document templates for entity establishment and management. We have enhanced our platform by collaborating with some of the best in the industry including Xero, Class Super, Macquarie Bank, Cloud Storage Services and DocuSign. Each collaboration is another part of the entity establishment and management puzzle to make our members lives simpler.

33. Cointree

Cointree makes buying, selling and trading bitcoin and digital currency easy for everyone. Founded in 2013, our service is easy, fast and safe. Our low fees and 170+ cryptocurrency coins make us one of Australia’s best and most trusted bitcoin exchanges. We are passionate about everything blockchain, the latest technology, smart innovation and providing exceptional service to our customers. Our goal is to make bitcoin easily accessible to everyone. Cointree is a digital currency exchange that provides crypto-lovers with a platform that is a delight to use, and more so, simply works. Based out of Melbourne, Victoria, Australia.

34. Plenti

Plenti is a fintech lender, providing Australians with faster, fairer loans through smart technology. Our proprietary technology platform allows us to provide creditworthy customers – whose preferences are changing – with automotive, renewable energy and personal loans to help bring their big ideas to life. Since its establishment in 2014, our loan originations have grown consistently, supported by diversified loan products, distribution channels and funding, and underpinned by exceptional credit performance and continual innovation. Plenti was listed on the ASX in September 2020.

35. Wisr

Wisr (ASX: WZR) is Australia’s first neo-lender and FinTech pioneer in the rapidly growing Australian consumer finance market. As a technology company, we’re committed to building products, apps and services to help Australians do more with their money. Our promise is to provide a smarter, fairer, wiser financial alternative for all Australians. DirectMoney launched a major company rebrand to Wisr offers a unified service platform that provides retail investment and lending services.

36. Prospa

Prospa is an ASX-listed, multi-award-winning financial technology company and Australia’s #1 online lender to small businesses. Prospa was founded in 2012 with the vision of changing the way small business owners experience finance, and today has over 200 employees and a network of over 10,000 distribution partners across Australia and New Zealand.

With our proprietary technology platform and fast, simple online application process, Prospa provides cash flow products and services that enable small businesses to grow and prosper. To date, we have lent over $2 billion, contributing an estimated $8 billion to Australia’s GDP and supporting 114,000 FTE jobs. Prospa is an Australian owned and operated online lending service provider for small businesses within the region.

37. Finty

We loved serving our users as Credit Card Compare from 2008 to 2020. Since acquiring Finty in 2018, we’ve been preparing to offer more options to compare a broader range of products. Taking on the Finty name reflects who we are today: a company that provides the best offers, education, apps, and tools needed to save money and earn rewards. Finty is a reward-based comparison platform that compares financial products. Based out of Sydney, New South Wales, Australia.

38. MoneyPlace

MoneyPlace is a fast-growing consumer lender providing personal loans from $5K-80K. Offering market-leading interest rates as low as 4.84% for secured and 5.95% for unsecured. MoneyPlace boasts no monthly fees or exit costs and turnaround times of 1-2 hours. MoneyPlace has won awards from Money Magazine, Canstar, Mozo, and RateCity for our personal loans, and our customers are extremely satisfied, with market-leading TrustPilot and Google reviews. MoneyPlace is an online marketplace that connects investors with creditworthy borrowers. Based out of Melbourne, Victoria, Australia.

39. Douugh

Douugh is on a mission to democratize banking, developing a bank account with a brain, designed to help you live financially healthier. Imagine a bank account that takes the stress out of managing your money and helps you reach your goals faster – helping you pay off debt, spend less, save and build wealth. Where you’ll get real-time insights and guidance from a personal financial assistant, to develop good habits and make better decisions around your money. The Douugh bank account offers full banking functionality, complete with the government guarantee on deposits up to $250,000 (and a shiny Douugh Mastercard Debit Card).

You’ll be able to send and request money, split bills, create savings Jars, and connect all your existing bank accounts and credit cards – so Douugh can collate, organize and inform you about your spending habits. Douugh’s a coach, mentor and assistant in one. It learns how you spend to make sense of where you’re at, compared to where you want to be. It’s not advice, it’s personalized insight and affirmation from your coach who is dedicated to keeping you financially fit and healthy. So you can enjoy the now and let Douugh worry about the rest.

40. Paymate Pty Ltd

Paymate provides secure, reliable and innovative Internet-based and on the go payment services to buyers and sellers. We’re available to buyers in 60 countries around the world and to sellers in Australia and New Zealand. Our mission is to help you trade with the world. Paymate prides itself on the security of our transactions, the reliability of our service and the helpfulness of our local customer support team. At Paymate, we partner with you to take care of the details. You can receive online credit card payments without an expensive merchant facility with a bank, a secure website or a gateway processor service – Simply register online to start receiving payments.

41. Timelio

Timelio is an online platform that provides invoice based financing to businesses in Australia. It finances invoiced starting from A$10,000 for a time period of 30-120 days. Only accredited and institutional investors are allowed to invest on the platform with a minimum investment amount of $25,000. We improve the financial well-being of business owners. Our mission is to enable business growth through fast and flexible funding. Timelio improves cash flow by enabling businesses to get paid immediately, without waiting 30, 60 or 90 days for customers to pay. With our fast, online application we can provide access to flexible funding within 24 hours to help you pay suppliers, hire new staff and expand production.

42. Identitii

Identitii helps simplify and automate financial crime compliance by making it easier to access and securely share the information needed to perform financial crime due diligence internally and for regulators, without needing to upgrade existing systems. We bridge the gap between the increasing demand from regulators and customers for more information on financial transactions and the legacy technology systems that make it difficult to identify and share that information. Our platform overlays existing technology systems and creates a single view of financial crime compliance information across systems, formats and message types, and enables it to be securely shared internally or with counterparties.

43. Avenue Bank

Avenue Bank is building a digital business bank, focused on next-generation cash flow solutions for Australian small and medium-sized enterprises.

44. Arkava

Arkava is a B2B Fintech lab building products that solve problems for financial professionals with a user-first approach. We build B2B fintech applications that improve the working lives of those that use them.

45. Judo Bank

At Judo Bank, our relationship bankers take the time to get to know you. They understand the potential of you and your ideas, And when the time is right, they’re prepared to back you. Judo’s relationship model places a priority on highly skilled and knowledgeable and imaginative relationship bankers who take the time to listen to business owners and understand their business, the market they operate in and their ambition.

46. Daisee

Founded in 2017, daisee has developed a proprietary semantic engine that interprets meaning in conversations between businesses and their customers. It’s privately owned, with Alium Capital among notable investors. Daisee is an Australian AI software company that builds cutting edge AI applications for business. We have a unique approach that focuses on creating significant value for clients by blending the best human insights with technology and data to create intelligent applications that learn and adapt.

Daisee has developed industry-specific AI applications to solve a wide range of challenges faced by businesses today. These include banking and financial services, healthcare, telemedicine, government and digital commerce markets. Our products help enterprises rapidly leverage AI technology to increase customer engagement, improve decision-making, optimise supply and demand and deploy self-learning business processes.

47. Sempo

At Sempo there’s a simple, but radical idea that we find particularly inspiring: one of the best ways to help vulnerable communities is to just give them money, no strings attached. Cash Transfers bring dignity to affected people, and solve a fundamental problem with humanitarian relief – too often, we spend millions of dollars on the wrong kind of aid: In Iraq, 70% of Syrian refugees have sold the aid they were given, in order to buy what they actually need. We’re on a mission to help all aid organisations, from grassroots to international, to increase their usage of cash transfers as a tool to alleviate suffering, provide dignity and ultimately increase long-term self-sufficiency.

48. Slyp

Slyp instantly delivers an interactive smart receipt inside a customer’s banking app, improving the post-purchase experience for customers, and unlocking new value for retailers and banks. Slyp was born out of the frustration that traditional paper receipts are painfully inconvenient for customers, a missed opportunity for retailers, and bad for the environment. Today, we seamlessly tap our cards, our phones, even our watches to make a payment, but at the end of a transaction, we’re still handed a centuries-old paper receipt that will likely end up in the bin. We thought there must be a better way.

Slyp’s mission is to turn the end of a transaction into the beginning of a customer relationship. By re-imagining receipts, we’ve unlocked their missed potential and made them fit into today’s smart, eco-conscious world. By linking receipts to cards, Slyp’s solution offers game-changing opportunities for retailers and banks. Retailers gain insights on in-store shoppers and can engage customers post-purchase through each Slyp receipt. Banks capture item-level purchase data, which can be used to enhance their digital proposition and improve operational efficiency. Customers stay organized, save money, and never lose a receipt again.

49. AfterPay

Afterpay is an international payments platform, built to enable financial wellness for the next generation of shoppers. Consumers receive products immediately, pay in four interest-free instalments and are rewarded for paying on time. With no credit checks, no interest, and no catch, we empower customers to pay in a financially sustainable way. Afterpay is a movement in which everyone wins – shoppers, retailers and society.

Afterpay is offered by over 55,000 of the world’s best retailers and has more than 10 million active customers globally. The service is currently available in Australia, New Zealand, the United States, and the United Kingdom where it is called Clearpay. Afterpay is on a mission to power an economy in which everyone wins. We are on a rocketship most days so if you are up for a challenge, as the notion of joining a business with big dreams and love being part of a high performing team then please grab a ticket and contact us today.

50. Till Payments

Till is the fast-moving, Aussie-born, global fintech disruptor opening up a world of possibilities for businesses seeking simple, seamless, all-in-one payments. We take the complexity out of getting paid with single-source solutions that ensure merchants can accept any payment wherever and whenever their customer’s shop, be it online, in-store, or a combination of both. Organisations across a range of sectors, including FMCG, automotive, parking & transit, retail and hospitality, use our end-to-end smart and seamless payments experiences to support growth and enhance customer experiences. Founded in 2012, Till’s team of 100 staff is rapidly growing and headquartered in Australia, with teams in London, Manila and across the US. Till currently serves hundreds of merchants across 12 countries and over 500 cities.

51. 86 400

86 400 is a digital-only bank for individuals. Aims to offer transaction & savings account and Visa debit cars linked to the account. Users can also link other bank accounts with the app and get insights. At 86 400, we exist to serve our customers honestly. To give them a smarter, more personalised banking experience. We’ll do things in real-time, to bring real value to their lives. And we’ll do this every second, of every minute, of every day.

52. Valiant

Valiant is an Australia-based aggregator for business loans. It helps businesses find suitable lenders for working capital, equipment finance, invoice financing, purchasing a property. Valiant is dedicated to helping Aussie businesses cut through the red tape and ‘get to yes’ sooner. We know how difficult the lending market can be to navigate, and we understand the issues businesses face when they seek funding. With Valiant, forget tedious paperwork and long-winded phone calls. We’ll contact your chosen lender, help with paperwork and do the heavy lifting on your behalf so that you can get back to doing what’s most important—running your business.

We work with a diverse panel of 80+ leading lenders to tailor a finance solution to your exact needs and ensure you’re getting a great rate. Our lenders offer secured and unsecured finance solutions, working capital, debtor finance, equipment finance and more. If you’re an accountant, vendor, broker or financial adviser, we can also help your client get an awesome deal on business finance while you grow your customer base. Whether you’re looking for a quick cash boost, low rate, flexible features, growth solution (or have no idea where to start), our experts can help you get where you need to be. They’ve helped over 90,000 businesses assess their financing options and access over $600 million in funding.

53. Lumi

Lumi provides online unsecured and small business loans to Australian registered SMEs with a minimum turnover of $50,000. The user needs to provide business bank details and address proof. 2.5% of the establishment fee would be charged which is deductible at the time of settlement. Focused on hospitality, retail, trades and labour, health and wellness, professional service providers and franchises. Lumi takes the guesswork out of small business funding. We offer small business loans from $5k – $200k with 3 – 18 month terms. At Lumi, we don’t believe in surprises (at least, not when it comes to financing). Instead, we pride ourselves on offering straight-forward loans to give your venture the financial boost it needs. No guesswork, no hassles, no reading between the lines. Just totally transparent loans to help you get ahead.

54. Verrency

Verrency provides payment solutions for banks. The solutions allow the banks to offer points redemption programs without merchant integration, virtual cards, account aggregation, merchant-funded rewards etc. Customers can set roundups for their purchases add them to charities or savings. Also offers APIs for service providers to integrate their payment system with banks. Verrency is a global payments innovator that has a mission to put financial institutions back at the centre of innovation. Our payments API platform has been designed to enable financial institutions to innovate more efficiently and effectively through a single connection.

Our platform works with their existing payments infrastructure and messaging, allowing them to • Leverage internally-built services that sit across: Loyalty and Rewards Redemption, Transaction Round-Ups, Device and Card Management, Real-Time Payment Data Publishing and Digital Currency Enablement • Utilise our marketplace services as an integration point for Fintechs, data analytics and loyalty partners to the bank • Utilise our platform as a payments sandbox to quickly test and scale innovations Verrency’s platform has been designed with Tier 1 financial institutions in mind and works in the background, enabling the Bank to continue to control the consumer journey. Once connected, all our features (and future ones) are enabled in the live payments flow, ensuring instant gratification for the end consumer.

55. Assembly

Assembly Payments (previously known as) PromisePay is a simple and secure escrow payment service that collects, holds and releases payments based on agreed project milestones. Milestone payments are collected from clients before work starts, where they sit with PromisePay for safekeeping. Once the work is delivered and approved, contractors are paid almost instantly. Clients have assured results for their money, and contractors have assured payment for their work. Incubated at SixThirty accelerator.

56. Karbon

Karbon is a cloud-based workflow management software for accountants and accounting firms. Using Karbon, firms and their employees can assign & track jobs, manage workflows, create to-do lists, manage CRM, and collaborate with clients & colleagues. Its features include task management, workflow scheduler, global search & filtering, automated client reminders, and team collaboration. The solution integrates with Google and Office 365. It offers a subscription-based pricing model. Acuity, Catalyst, Adjusted Balance, and The Bovard CPA Group are part of its clientele.

57. Indebted

Indebted provide solutions for receivable management and debt collection. The offering includes omnichannel communications, payments & reconciliation, self-service customer portal, API integration, report analytics, and code compliance. InDebted is sublimating debt collection by leveraging machine learning to understand consumer preferences for servicing overdue accounts. We couple this with an exceptional customer experience to enable our clients to better support the financial well-being of their customers. Backed by Carthona Capital and Reinventure, InDebted is one of the top-funded and fastest-growing tech companies in Australia today, disrupting a multibillion-dollar global industry.

58. Brickx

Brickx provides an online platform for Australians to invest in real estate. The company buys properties and allows users to own a fraction of those properties. The platform also has the option to list the shares for sale. As of February 2018, charges 1.75% per transaction. Using new thinking and new technology, we’re helping thousands of Aussies break into the property market.

59. Zeller

Zeller provides online payment solutions for businesses. It offers payment processing solutions, prepaid cards for business expenses, accounts payable & receivable solutions, funds transfer, report generation, transaction management, and more. It also provides tools for monitoring finances. Accepting payments, managing your finances, and paying recipients should be simple. Unfortunately, this isn’t always the case. Finding integrated financial solutions to help your business thrive often requires you to weave together multiple products from different providers.

While a small group of large enterprises enjoy the privilege of financial solutions tailored for their specific needs, the vast majority of Australian businesses are underserved due to a lack of innovation, disparate providers, opaque pricing, and restrictive contracts. We believe in a level playing field where all businesses benefit from access to smarter payments technology and integrated financial services that enable them to accelerate their cash flow. So we’re hard at work building the tools to make it happen. Zeller combines the tools your business needs to accelerate cash flow. From accepting payments to managing finances to paying recipients fast; by bringing every tool together into one connected ecosystem, we help you reduce the time spent on finding providers, completing long applications, onboarding, and getting set up. We do this through a simple, fast online sign-up process, and no contract is necessary. You’ll have access to every tool you need right out of the box.

60. ezyCollect

ezyCollect is a cloud-based application for accounts receivable automation. It integrates with the client’s accounting software and identifies the invoices that are overdue. It schedules reminders and automatically sends them to clients. The remainder is in the form of a series of emails, letters, phone calls. We believe that the greatest resources in business are our people, our dreams and our ambitions. We believe that businesses deserve to be paid on time. We believe that being paid on time helps businesses to survive, then thrive. Our purpose is to put smart technology in the hands of ambitious businesses, so they have the cash, confidence and information to manifest their dreams. Our SaaS-based accounts receivable solution compliments accounting/ERP software to automate the process of getting paid.

61. Airwallex

Airwallex offers a cross-border payment platform for businesses. Provides tools to collect international payments, deposit funds, and make payments. Offers current FX rates and APIs to automate foreign exchange, collections, and payments. Established in Melbourne in 2015, Airwallex is a payments platform transforming the way businesses move and manage money globally.

In today’s fast-changing digital era, our purpose is to empower businesses of all sizes to grow without borders, and by doing so, contribute to the global economy. With technology at our core, we built a global financial infrastructure to help businesses transact, collect and pay across 130+ countries and 50+ currencies, without the constraints of the traditional global financial system. In just five years since we were founded, Airwallex has grown to become Australia’s fastest-growing fintech unicorn and a well-funded international technology leader backed by world-leading investors. Our leadership, innovation and scale have been recognised and awarded by leading independent authorities, such as listing in Forbes’ Cloud 100 2020 and placing in the Top 50 of KPMG’s Global Fintech100 two years in a row.

62. Xinja

Launched in May 2017, Xinja was the first independent Australian neobank with products in the market: bank accounts, its high-interest savings account ‘Stash’ and the recently added share trading account Dabble. But with auditors last month warning that the firm’s survival as a going concern was “highly dependent” on raising fresh capital, the company has decided to shut up shop, handing back its authorised deposit taking licence and closing all bank accounts with effect from 23 December.

A proposed A$433 million by Emirates’ World Investments in March failed to come good as the Covid-19 pandemic took hold and the bank stuttered. Xinja is developing an Australian-based neo bank. Allows the users to open their accounts online and track their expenses and make bill payments. Provides pre-paid cards and free international ATM withdrawals. Leverages AI technology to provide financial advice to the user.

63. Volt Bank

Volt Bank is a digital-only bank. The bank suggests ways to save money and supports customers on their financial journeys. As of Apr 2019, the platform is in stealth mode. Volt Bank has become the first Australian neobank to become accredited as a data recipient under the consumer data right (CDR) scheme. The neobank joined the growing list of accredited data recipients (ADRs) after receiving final sign-off from the Australian Competition and Consumer Commission (ACCC). Volt joins the likes of major players Westpac – which became accredited in early October this year, NAB and CBA.

The news also makes Volt the sixth Australian bank in total to achieve ADR status; the other two are Regional Australia Bank and Beyond Bank.

64. Athena

Athena provides an online mortgage platform for home loans. It features automated rate matching for customers, direct debit repayment, redraw facility, direct salary payment, automatic future payments, and more. Athena is an Australian home loan platform that helps to get better home loans. The big banks are definitely having a lend locking borrowers into a life sentence, charging them for sneezing, and giving 0% interest in treating customers like people. We know, we used to work for them. Enter Athena, the Game-Changing Goddess of Good Stuff. She spoke to us (well it was more of roasting) and talked of a brighter future where people could be freed of their mortgage handcuffs.

Athena is the first lender in Australia to do so, thanks to our automatic rate match promise where new and existing customers always get the same great rates. Athena home loans come with loads of other features, such as fast online applications, minimal fees, free extra repayments, plus, a free redraw facility so you can withdraw on those extra repayments should you need access to extra funds.

65. Moula

Moula is an Australia-based online lending platform for working capital loans of up to $100,000 to SMBs. The usual tenor for loans is 6 months, however, it can be further extended on a case-to-case basis. Moula was founded in 2013 to help hard-working business owners in Australia access the business finance they need to grow. In the past, getting a business loan meant going through weeks of paperwork, hassle, and hurdles. We use data to assess your business loan application, which means we can keep things fast and painless. Our founders are finance industry experts who are passionate about using technology to simplify small business finance and backing good businesses.

66. Lendi

Lendi is Australia’s only home loan platform that was designed with a built-in best interest duty. By bringing together smart technology and home loan specialist advice on our platform, we’ve been helping Australians compare, apply and settle the right home loan for their needs since 2016. Borrowers are able to search 2,000+ loan products from more than 40 lenders on the Lendi platform to shortlist the best loan products for their circumstances.

This unparalleled level of choice helps deliver the best possible customer outcomes while driving competition and transparency in the market. From application to settlement, home loan specialists are on hand to guide borrowers through the mortgage process and help them achieve their long-term financial goals. With home loan settlements of over $12 billion, the team has helped thousands of Australians secure their property dreams. Headquartered in Sydney, Lendi has offices in Melbourne, Brisbane and Perth, however, all our staff are currently working remotely.

67. Spaceship

Spaceship was founded in 2016 with a single mission: to enable you to invest in your future, so you can live the life you want to live. Spaceship got our start in 2017 with Spaceship Super, a super fund investing where the world is going. In 2018, we launched Spaceship Voyager, which makes investing easy for everyone. Their landing pad is in the centre of Sydney, and that’s where our 45-strong team assembles to brainstorm, build awesome financial products, share snacks and discuss everything from moon landings to Mario Kart hacks.

68. Practice Ignition

Practice Ignition connects businesses with their accountants. It is a saas platform built for the accounting vertical – transforming into a CRM. Practice Ignition manages client creation, workflow deployment, invoicing and payments. Pricing depends on the number of clients and number of users. It ranges from $79/month (up to 100 active clients and upto 2 users) to $699/month (up to 2000 active clients and up to 20 users).

With Practice Ignition you can remove the friction by sending your clients a single smart proposal they can read, sign and make a payment on in one sitting. Now, you can close deals faster, automate your onboarding and eliminate debtors. Never chase a payment again with upfront billing via Direct Debit or credit card. Automatically reconcile invoices in Xero and Quickbooks, and gain insight into your firm’s profitability with our business intelligence dashboard.

69. Huddle Insurance

Huddle Insurance is a provider of car and travel insurance across Australia. Has developed an AI-based chatbot that is able to provide instant approval of insurance claims, with funding in an hour. Additionally, when the claims are low, surplus profit is used by Huddle to strengthen communities. The insurance is underwritten by Hollard. Plans to launch a renters insurance product, not yet launched as of Jan’18.

Founded in 2016, Huddle is an Australian car insurer whose mission is to make insurance simple for everyone. Huddle has an easy-to-understand car insurance policy that’s backed by clever technology.

Although they do employ humans to look after their customers via their call centre. Huddle uses artificial intelligence to help you with your application and to process your claims 24/7. Sometimes you’ll receive a decision within minutes! Huddle’s powerful tech is paired with a team of insurance experts, so if you need assistance, there’ll still be a human to talk to – not just a robot. While their approach to insurance is modern, they’re backed up by decades of experience from their underwriter, the Hollard Insurance Company – a leading international insurer.

70. Ansarada

Ansarada is a global provider of virtual data rooms that are used by the world’s leading companies, investment banks, legal and advisory firms in business transactions such as M&A, joint ventures, fundraising and other due diligence based projects. The platform can be accessed from any browser on any device and has features like archiving, support for 13 languages and 24/7 customer support. The company has had over 10000 deals done on its platform that are over $1 trillion in value. The company also hosts an M&A game for people to play and learn about M&A.

Ansarada is a global B2B SaaS business with a big vision for a world where every business, in every critical decision, is always ready to act. The company was born out of an absolute belief in companies and the people who found, run and advise them. We’re on a mission to achieve this with our SaaS platform and world-class team who are based in five main hubs: Sydney, Ho Chi Minh, Chicago, New York and London. Our AI-powered intelligent information platform enables businesses to know, raise and realise their potential and gives confidence to businesses in every decision – from knowing exactly what they have, to where they‘re going and what they need to get there.

71. Simply Wall Street

Simply Wall St turns complicated financial data into easy to understand infographics to help investors make long term investment decisions. Based out of Sydney, New South Wales, Australia. Simply Wall St helps share market investors make better-informed decisions, by giving them access to institutional quality financial data presented visually through easy to understand infographics. Users are able to research more than 18,000 stocks with our unique infographic visualization, get new investment ideas, and manage their share portfolios.

72. Pepperstone

Pepperstone is an online Forex and CFD Broker providing traders across the globe with cutting-edge technology to trade the world’s markets. We are driven to provide traders with low-cost pricing across all our instruments including FX, CFDs, Cryptocurrencies and Commodities. Pepperstone is an ASIC, FCA, SCB, CMA, SCB, BaFin and DFSA regulated broker. Please refer to for more information about our companies. This information isn’t intended for distribution to/use by any person in any country where such distribution/use would be contrary to local laws.

73. Nimble

Nimble provides a fast solution to short-term financial hurdles. A Nimble loan is paid back over weeks, not months or years. Their world-leading profiling technology allows customers to receive an instant decision upon completing an application.

You’ll know if you’ve been approved straight away – not hours or days later. Their fresh approach to lending means there’s no waiting around for someone to assess your application. No sitting around anxiously wondering whether you’re approved or not. You’ll have an answer within a minute and cash can be in your bank account within 60 minutes. Nimble re-branded from Cash Doctors in October 2012.

74. GetCapital

GetCapital is now known as Shift.

Originally established as GetCapital in 2014, the company rebranded as Shift in October 2021 as part of its mission to provide businesses with finance on demand. Today, Shift is one of Australia’s fastest-growing technology companies, changing the way Australian businesses access finance, get paid and transact. Shift has made the Deloitte Fast 50 Top 25 for four years in a row; was ranked among LinkedIn’s Top Australian Startups in 2019; AFR’s Fast 100; been listed in SmartCompany’s Top 10 Smart50 2017-2018 and ranked among the fastest-growing technology companies in the Asia Pacific.

75. Brighte

Brighte is a credit technology platform offering Australia’s easiest way to pay for home energy and home improvements. Brighte is a digital payments platform for home energy improvements. It was launched in 2015 by Katherine McConnell, with the mission to help people create energy-efficient homes. Brighte offers 0% interest payment plans that remove the upfront cost barrier of big-ticket items like solar and batteries for homeowners. On the flip side, vendors receive the prompt lump sum payment they need as soon as they complete the job. Brighte is backed by Grok Investments, Airtree Ventures and Skip Capital as well as strategic supporters KPMG, Equifax, IBM and Stone and Chalk. Brighte is a leading Australian fintech company and has been widely recognised for its innovative, disruptive offering in the home improvements market.

76. aims to deliver the best cryptocurrency service in Australia. We are ambassadors for Bitcoin and are proud to be developing the industry and technology. We promise to be a fair and objective source for the latest cryptocurrency news and educational content. is powered by Banxa.

77. Flare

We’re reimagining work and money with smart workplace software for employers, and advanced financial and superannuation products to help Aussies live their best financial lives. The journey begins with our core offering, Flare, Australia’s first onboarding, benefits and employee management platform, designed to eliminate manual HR admin, increase onboarding efficiency and improve employee retention. We want to help every company achieve their purpose, engage with its workforce and help its employees become financially well.

78. Ferratum Australia

Providing cash loans and payday loans to Australians with a solid credit history. Ferratum offers short term or payday loans from $500 to $1,900, with repayment terms of 3 to 12 months. The applications are online and are entirely automated. Ferratum will ask you a few questions and respond to your application quickly. Ferratum charges 20% of borrowed amount + 4% of borrowed amount each month. Payday loans are not a long-term financial solution and should only be used in case of an emergency.

79. PayRight

Payright was founded in 2016 with the vision of changing the way customers pay for their products and services. Our product is simple, we provide quick, easy payment plans that are always interest-free. We give customers the flexibility to buy now and choose when they would like to make payments. Our leading mobile technology platform allows customers to apply in-store, in-clinic or on the go with a few simple taps on their phone. PayRight has quickly become the payment plan provider of choice for an ever-growing number of merchants across a wide array of industry types. Our team of enthusiastic and passionate people share our ambitious goal and bring with them extensive experience in payments, finance and technology. We are continuing to grow our world-class team to help us change the way customers pay and we welcome you to follow our journey.

80. Liven

Liven is an incentive-based mobile payments gateway and ecosystem purpose-built for the lifestyle and dining industries. Hundreds of thousands of people use Liven to discover thousands of restaurants, process millions in instant mobile payments, and earn LVN – The Digital Currency for Food. LVN can be saved up in the platform’s native wallet, spent at any Liven merchant, or donated to a nonprofit organisation directly through the system.

Powered by blockchain technology, LVN is a business-backed dynamic network utility token, algorithmically managed by the Liven reward protocol, and made universally accessible via the LivenPay API. If you love food, tech and want to launch your career to the next level, seriously look no further! We know what you’re thinking, sounds cool… but are these guys legit?! Um, yes! We’re a VC-backed startup with 700,000+ app downloads and a 4.9 rating on the app store. We also share the same seed and series A investors as Zoom, Facebook, Canva, Wish, Airbnb, Netscape, and Zynga; just to name a few.

We’re hybrid remote with a global team and don’t plan on changing… We’re hugely passionate about our people and have just reached the 50 employee mark! Global expansion is on the menu for 2022 and now is the time to add an incredible talent, to help us achieve our objective of being Australia’s best place to work! Jump onboard because Liven is building the world’s first consumer-centric blockchain platform, bringing the benefits of distributed technology to real people and real businesses.

81. Joust

The rise of online marketplaces has improved a variety of industries when it comes to saving consumers time and money, however, the mortgage industry is still behind when it comes to innovation.

Financial products – and home loans in particular – are complex and have traditionally been confusing for consumers to compare and understand. Joust is innovating in this regard and changing the way consumers connect with lenders. Thanks to their consumer-first approach, Joust is making it easier for consumers to identify the best loan products for their needs. Joust has processed over $5 billion worth of loan opportunities so far through their home loan market place and they have reduced the average customer’s interest rate by 0.74%. This means they have helped their refinance customers save an average of $3,348 per year or $279 per month. 

Joust is simple to use. Consumers set up a loan profile so they can be provided with the most suitable options. Once they have compared the options that best suit their needs, the consumer can then select the right lender for them. The service provides transparency and places all the control in the hands of consumers. 

82. Wefund

Revolutionizing the FinTech industry, Wefund provides a new way for companies to secure finances for all their development projects. They combine technology with human experience to provide something entirely new. Their goal is simple: to deliver fast, non-bank funding and become the perfect finance partner. Gain access to more than 75 of the best non-bank lenders in Australia so you can secure flexible and fair finance for your development project. Wefund takes the complexity out of acquiring commercial real estate finance, which is why they’ve been so welcome on the market. 

With Wefund, you’ll have access to the top finance team in the country who strive to understand your project, offering debt structuring solutions and financial modelling so you understand the total cost of finance, as well as your capital contribution and return on equity. They have strong relationships that put you in front of the best lenders in the industry aiming to present the best offers available. Another great thing about Wefund is their all-in-one platform makes it easy to manage your finances and is 3 times faster than traditional financing. 

83. Unhedged

Algorithms have come to rule the world, that much is undeniable. Unhedged proposes they should rule your portfolio as well! That’s why they have created an incredibly simple app that allows investors to assign their money to advanced AI trading algorithms and access returns that were only accessible to the super-rich 1%. 

Unhedged tries to beat expensive asset managers with the use of algorithms. They are simplifying investment by making it transparent and inexpensive. They provide users with access to investment strategies that were reserved only for the rich and famous, all through an app that’s easy to use. They put their money where their mouth is, which is why most of the fees at Unhedged only get paid when they outperform the benchmark. This amazing Australian fintech company was introduced by Peter Bakker, a seasoned entrepreneur with a mission to upset the status quo that exists in the rono advice and asset management world. 

The philosophy of Unhedged is based on this: asset managers align themselves to the performance of their clients. That means they have a “no gain, no pain” mentality and they are invested, which is what allows them to provide so much value to their clients. 

84. Spark Finance

It is an Australian Fintech company with the noble goal of democratizing education for international students. Their goal is to remove finance as a barrier for brilliant students who want to enter Australia’s leading universities and build their education. So many students around the world don’t have the funds to pursue higher education in Australia, but Spark is turning things around.

They are able to achieve their goal by providing tuition assistance to international students and enabling Australian universities to access the world’s best talent and diversity in their international student cohorts. It’s a mutually beneficial situation that makes an important impact. However, they are not only focused on providing opportunities for international students, but also for Australians and New Zealanders who want to study overseas. Spark Finance is the only Australian company that provides tuition assistance to international students in the country and they are very proud of that. 

85. Sipora

In Australia, Sipora is the leading round-up as a service platform and it has a ton of value to offer. Sipora’s latest service allows organisations to build, launch, and maintain their own round-up product at a fraction of the time and cost compared to starting from scratch. Sipora’s platform works perfectly with financial services, superannuation funds, lenders, and charitable organisations, among others, that want to launch round-up applications and products. 

Sipora is the first platform of its kind in the country, so it’s greatly innovating an important sector of the market. Using Sipora’s platform, superannuation funds can increase funds under management, lenders can help customers pay down debt and this new form of technology is focused on helping charities increase donations to make a greater impact on the world and support the causes they champion, which is why Sipora’s platform is so powerful for all organisations.

Round-up products in Australia are typically locked into one system, but Sipora gives brands the power to launch their own round-up product. Sipora is the only brand that provides a platform for partners and they are always working on new products to introduce to the market.

86. Finspo

Founded by ex-bankers in 2019, Finspo is a digital broker making home loans simpler for Australians. They are a team of industry experts, mortgage brokers, software developers, and designers, on a mission to help you get a great home loan, and pay it off faster. 

Finspo has access to thousands of loans from over 30 different lenders, and their home loan experts will help find the right one for you. They will get familiar with your situation, explain your options, and support you every step of the way. The Finspo app can help you pay off your home loan faster by delivering you personalised insights and alerts based on your connected accounts.

It will let you know when certain fees or interest rates have changed, and when you could pay something down, or top something up to avoid fees or interest. The Finspo app will help you stay on top of things so you can save smarter and get rid of your home loan sooner.

87. Sherlok

It is the first automated repricing and refinancing tool in Australia. They provide mortgage brokers with a wide range of services that will allow them to retain clients, reprice existing loans automatically, generate refinance leads, protect their trail book income, and more. Their AI engine can even predict when a client is likely to leave the broker, then takes action to keep them. 

Sherlok was founded by Adam Grocke after spending 12 years as a mortgage broker. He won many awards during that time, including Broker of the Year and Top 30 Brokers Under 30 in Australia. However, it seemed unfair to him that banks offer better interest rates to new mortgage owners, while they charge a loyalty tax to existing customers. Thus, Sherlok was born. This AI engine is the perfect solution and it allows mortgage brokers to retain clients for longer, generate valuable refinancing leads, and protect their trail book income. As such, it provides useful and powerful features that benefit both brokers and clients. 

This innovative tool has proven to be very valuable, but it won’t stop there. The talented team behind Sherlok is currently working on a single-click refinancing solution that will allow brokers to automatically process and approve loans in a matter of minutes, reducing the process from 45 days to just 1 day. Their value proposition is truly unique and it’s exciting to see what the future holds. 

88. Moneycatcha

Experts at providing intelligent risk management solutions, Moneycatcha’s flagship Regtech platform, Regchain, can activate new value and enable increased growth for their clients. The Regchain solution allows organizations to perform real-time risk-based pricing and ongoing reviews of home loan portfolios or individual loans, all while enabling compliance with legislation such as DDO (Design & Distribution Obligations) and CDR (Consumer Data Right). The Moneycatcha system also enables FI’s to actively engage with their clients earlier, manage their risk portfolio, and even consider applying risk-based pricing methods at the time of loan origination through multiple channels. 

Because Regchain is configurable to each organisations Product, Pricing and Credit Confidence Rules, the platform enables real-time alerts and offers when risk variances are detected within  the FI’s risk margins. Ongoing reporting and analysis are also provided by the additional Regchain Services so organisations can report from the source of truth and identify and report on any variances to assist with compliance management. 

89. Castlepoint Systems

Founded by Rachael Greaves in 2016, Castlepoint Systems is a data and records management platform built for the enterprise with a focus on compliance, security, and discovery.  Organizations can catalog their entire infrastructure across multiple locations including cloud locations like Dropbox, 365, and AWS, databases, and proprietary systems using artificial intelligence.  Castlepoint can then be used to manage and control the data irrespective of location. The platform’s intelligence engine automates the classification of the data, applying configurable rules-based logic to ensure regulatory compliance, at scale.

90. CheckBox

Founded by Evan Wong and James Han in 2016, Checkbox is a no-code and automation platform that allows organizations to build workflow solutions using intuitive drag and drop functionality.  Users can design streamlined self-service tools with smart decision-based intake workflows that are fully compliant with audit trails, transcripts, documentation, and approval processes.  By eliminating the dependency on IT teams, finance professionals can quickly deploy specific, powerful workflows to solve business needs without having to worry about tax, audit, regulatory, and legal concerns, which can bog down time-to-market in financial services.  The platform offers a number of pre-loaded templates for common uses such as expense management, billing, compensation, trusts, risk management, and payables. Checkbox raised $1.8M in an angel round in 2018.

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