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Discover the five top fintech companies taking the industry by storm and changing everything.", "articleSection": "Financial Technology", "publisher": { "@type": "CollegeOrUniversity", "name": "University of New South Wales" }, "datePublished": "Fri, 02/10/2023 - 03:06", "dateModified": "Fri, 05/10/2024 - 02:54", "image": { "@type": "ImageObject", "url": "https://studyonline.unsw.edu.au/sites/default/files/what-is-fintech%20-%201000%20x%20667.jpg" } } ] }</script> <meta name="description" content="No industry has been disrupted as much as the finance industry. 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href="/online-programs/data-science-programs">Data Science</a><ul class="menu"><li class="first leaf menu-2775 level-3"><a href="/online-programs/master-data-science">Master of Data Science (Online)</a></li> <li class="leaf menu-2066 level-3"><a href="/online-programs/graduate-diploma-data-science">Graduate Diploma in Data Science</a></li> <li class="last leaf menu-2065 level-3"><a href="/online-programs/graduate-certificate-data-science">Graduate Certificate in Data Science</a></li> </ul></li> <li class="expanded menu-2126 level-2"><span class="nolink">Financial Technology</span><ul class="menu"><li class="first leaf menu-2131 level-3"><a href="/online-programs/master-financial-technology">Master of Financial Technology</a></li> <li class="leaf menu-2151 level-3"><a href="/online-programs/graduate-diploma-financial-technology">Graduate Diploma in Financial Technology</a></li> <li class="last leaf menu-2136 level-3"><a href="/online-programs/graduate-certificate-financial-technology">Graduate Certificate in Financial Technology</a></li> </ul></li> <li class="expanded menu-2386 level-2"><a href="/online-programs/human-resource-management-programs">Human Resource Management</a><ul class="menu"><li class="first leaf menu-2391 level-3"><a href="/online-programs/master-human-resource-management">Master of Human Resource Management</a></li> <li class="leaf menu-2426 level-3"><a href="/online-programs/master-human-resource-management-diversity-equity-inclusion">Master of Human Resource Management (Diversity, Equity and Inclusion)</a></li> <li class="leaf menu-2416 level-3"><a href="/online-programs/master-human-resource-management-human-resource-analytics">Master of Human Resource Management (Human Resource Analytics)</a></li> <li class="leaf menu-2421 level-3"><a href="/online-programs/master-human-resource-management-leadership-organisational-development">Master of Human Resource Management (Leadership and Organisational Development)</a></li> <li class="leaf menu-2411 level-3"><a href="/online-programs/graduate-certificate-human-resource-management">Graduate Certificate in Human Resource Management</a></li> <li class="leaf menu-2396 level-3"><a href="/online-programs/graduate-certificate-diversity-equity-inclusion">Graduate Certificate in Diversity, Equity, and Inclusion</a></li> <li class="leaf menu-2406 level-3"><a href="/online-programs/graduate-certificate-human-resource-analytics">Graduate Certificate in Human Resource Analytics</a></li> <li class="last leaf menu-2401 level-3"><a href="/online-programs/graduate-certificate-leadership-organisational-development">Graduate Certificate in Leadership and Organisational Development</a></li> </ul></li> <li class="last expanded menu-2456 level-2"><span class="nolink">Management</span><ul class="menu"><li class="first leaf menu-2206 level-3"><a href="/online-programs/master-management">Master of Management</a></li> <li class="last leaf menu-2461 level-3"><a href="/online-programs/graduate-certificate-business">Graduate Certificate in Business</a></li> </ul></li> </ul></div></section></li> <li class="leaf menu-1368 level-1"><a href="/study-online">Studying online</a><section class="section"><div class="content"></div></section></li> <li class="last leaf menu-1345 level-1"><a href="/apply-now">Apply now</a><section class="section"><div class="content"></div></section></li> </ul> </div> </nav> <section id="block-block-21" class="block block-block contactbuttons enquire"> <div class="content"> <p id="phone" class="hide-desktop hide-tablet show-mobile"><a href="tel:1300 974 990"><span class="number hide-mobile">1300 974 990</span> </a></p> <p id="enquire"><a href="javascript:;" class="openenquire">Enquire now</a></p> </div> </section> </div> </nav> <div class="nav-panel mainmenu" id="nav-panel"></div> <div id="page_pagefeature" class="region region-pagefeature sub-region"> <div class="content"> <section 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id="enterpriseform" action="/postform.php?" method="post" class="enterpriseform qcf"> <div id="step1"> <div class="field-wrapper col-onequarter first" data-field-name="Courseid" data-field-type="select"> <label for="Courseid">I am interested in:</label> <div class="field"> <div class="inner"> <select name="Courseid" id="Courseid" title="Program" data-validate="required" data-placeholder="I'm interested in:" data-placeholder-alternate="I'm interested in:" tabindex="1"> <option value="">I am interested in</option> <optgroup label="Analytics"> <option value="81">Master of Analytics</option> <option value="81">Master of Analytics (Marketing)</option> <option value="81">Master of Analytics (Human Resource Analytics)</option> <option value="82">Graduate Diploma in Analytics</option> <option value="83">Graduate Certificate in Analytics</option> <option value="285">Graduate Certificate in Marketing Analytics</option> </optgroup> <optgroup label="Applied Finance"> <option value="184">Master of Applied Finance</option> <option value="183">Graduate Diploma in Applied Finance</option> <option value="182">Graduate Certificate in Applied Finance</option> </optgroup> <optgroup label="Cyber Security"> <option value="124">Master of Cyber Security</option> <option value="123">Graduate Diploma in Cyber Security</option> <option value="122">Graduate Certificate in Cyber Security</option> </optgroup> <optgroup label="Data Science"> <option value="84">Master of Data Science</option> <option value="85">Graduate Diploma in Data Science</option> <option value="86">Graduate Certificate in Data Science</option> </optgroup> <optgroup label="Financial Technology"> <option value="114">Master of Financial Technology</option> <option value="115">Graduate Diploma in Financial Technology</option> <option value="116">Graduate Certificate in Financial Technology</option> </optgroup> <optgroup label="Human Resource Management"> <option value="247">Master of Human Resource Management</option> <option value="247">Master of Human Resource Management (Diversity, Equity and Inclusion)</option> <option value="247">Master of Human Resource Management (Human Resource Analytics)</option> <option value="247">Master of Human Resource Management (Leadership and Organisational Development)</option> <option value="246">Graduate Certificate in Diversity, Equity and Inclusion</option> <option value="250">Graduate Certificate in Human Resource Analytics</option> <option value="249">Graduate Certificate in Human Resource Management</option> <option value="248">Graduate Certificate in Leadership and Organisational Development</option> </optgroup> <optgroup label="Management"> <option value="131">Master of Management</option> <option value="155">Graduate Certificate in Business</option> </optgroup> </select> </div> </div> </div> <div class="field-wrapper field-wrapper__firstname col-onequarter" data-field-name="firstname" data-field-type="text"> <label for="firstname">First name</label> <div class="field"> <div class="inner"> <input name="firstname" id="firstname" value="" placeholder="First name" title="First name" type="text" data-validate="required matchTitle matchPlaceholder" tabindex="2" /> </div> </div> </div> <div class="field-wrapper field-wrapper__lastname col-onequarter" data-field-name="lastname" data-field-type="text"> <label for="lastname">Last name</label> <div class="field"> <div class="inner"> <input name="lastname" id="lastname" value="" placeholder="Last name" title="Last name" type="text" data-validate="required matchTitle matchPlaceholder" tabindex="3" /> </div> </div> </div> <div class="field-wrapper field-wrapper-bachelordegree col-onequarter" data-field-name="bachelordegree" data-field-type="select" style="display:none;"> <label for="bachelordegree"> Do you have a Bachelor’s degree?</label> <div class="field"> <div class="inner"> <select name="bachelordegree" id="bachelordegree" title="please select bachelor degree" data-validate="required" data-placeholder="Do you have a Bachelor’s degree?"> <option value="">Do you have a Bachelor’s degree?</option> <option value="yes">Yes</option> <option value="no">No</option> </select> </div> </div> </div> <div class="steps btn-wrapper bottom col-onequarter last"> <a class="next tostep2" tabindex="4">Next Step</a> </div> <div class="steps bottom full"> <p class="circles"><span class="circle one active">1</span><span class="circle two">2</span><span class="circle three">3</span></p> </div> </div> <div id="step2"> <div class="field-wrapper col-onefifth first" data-field-name="startdate" data-field-type="select"> <label for="startdate">Desired start date</label> <div class="field"> <div class="inner"> <select data-placeholder="Desired start date:" data-placeholder-alternate="Desired start date" data-validate="required" id="startdate" name="startdate" title="Desired start date" tabindex="6"> <option value="">Desired start date</option> <option value="within 3 months">Within 3 months</option> <option value="within 6 months">Within 6 months</option> <option value="within 12 months">Within 12 months</option> <option value="12 months plus">12+ months</option> <option value="unsure">Unsure</option> </select> </div> </div> </div> <div class="field-wrapper col-onefifth" data-field-name="educationlevel" data-field-type="select"> <label for="highesteducation">Highest Level of Education</label> <div class="field"> <div class="inner"> <select data-validate="required" id="highesteducation" name="educationlevel" tabindex="7"><option value="">Highest Level of Education</option><option value="High school">High school</option><option value="Diploma">Diploma</option><option value="Bachelors degree">Bachelor's degree</option><option value="Postgraduate diploma">Postgraduate diploma</option><option value="Masters Degree">Masters or Higher</option></select> </div> </div> </div> <div class="field-wrapper col-onefifth" data-field-name="workexperience" data-field-type="select"> <label for="workexperience">Relevant work experience</label> <div class="field"> <div class="inner"> <select data-placeholder="Relevant work experience:" data-placeholder-alternate="Select a Relevant work experience" data-validate="required" id="workexperience" name="workexperience" title="Relevant work experience" tabindex="8"> <option value="">Relevant work experience</option> <option value="Less than 5 years">Less than 5 years</option> <option value="Between 5 - 9 years">Between 5 - 9 years</option> <option value="More than 10 years">More than 10 years</option> </select> </div> </div> </div> <div class="field-wrapper col-onefifth" data-field-name="enquiryreason" data-field-type="select"> <label for="enquiryreason">Reason for enquiry</label> <div class="field"> <div class="inner"> <select data-placeholder="Reason for enquiry" data-placeholder-alternate="Select a Reason for enquiry" data-validate="required" id="enquiryreason" name="enquiryreason" title="Reason for enquiry" tabindex="8"> <option value="">Reason for enquiry</option> <option value="Researching options">Researching options</option> <option value="Looking for more information">Looking for more information</option> <option value="Need advice or assistance">Need advice or assistance</option> <option value="Ready to enrol">Ready to enrol</option> <option value="Other">Other</option> </select> </div> </div> </div> <div class="steps bottom col-onefifth last"> <a class="next tostep3" tabindex="4">Next Step</a> </div> <div class="steps bottom full"> <p class="circles"><span class="circle one backto1">1</span><span class="circle two active">2</span><span class="circle three">3</span></p> </div> </div> <div id="step3"> <div class="field-wrapper col-onequarter first" data-field-name="dayphone" data-field-type="tel"> <label for="dayphone">Phone</label> <div class="field"> <div class="inner"> <input name="dayphone" id="dayphone" value="" placeholder="Phone" title="Phone" type="tel" data-validate="required" tabindex="5" minlength="10" maxlength="10" /> </div> </div> <label id="dayphone-error-msg" for="dayphone" class="error" style="display: none;">Please enter a valid phone number.</label> </div> <div class="field-wrapper col-onequarter" data-field-name="email" data-field-type="email"> <label for="email">Email</label> <div class="field"> <div class="inner"> <input name="email" id="email" value="" placeholder="Email" title="Email" type="email" data-validate="required email" tabindex="6" /> </div> </div> </div> <div class="field-wrapper col-onequarter" data-field-name="Country" data-field-type="select"> <label for="country">Country</label> <div class="field"> <div class="inner"> <select name="country" id="country" title="Country" data-validate="required" data-placeholder="Select a Location First" data-placeholder-alternate="Select a Location First" tabindex="7"> <option value="">Country</option> <optgroup label="Domestic"> <option value="AU">Australia</option> </optgroup> <optgroup label="International"> <option value="AF">Afghanistan</option> <option value="ALA">Aland Islands</option> <option value="AL">Albania</option> <option value="DZ">Algeria</option> <option value="AS">American Samoa</option> <option value="AD">Andorra</option> <option value="AGO">Angola</option> <option value="AI">Anguilla</option> <option value="AQ">Antarctica</option> <option value="AG">Antigua and Barbuda</option> <option value="AR">Argentina</option> <option value="AM">Armenia</option> <option value="ABW">Aruba</option> <option value="AT">Austria</option> <option value="AZ">Azerbaijan</option> <option value="BHS">Bahamas</option> <option value="BH">Bahrain</option> <option value="BD">Bangladesh</option> <option value="BB">Barbados</option> <option value="BLR">Belarus</option> <option value="BE">Belgium</option> <option value="BLZ">Belize</option> <option value="BEN">Benin</option> <option value="BM">Bermuda</option> <option value="BT">Bhutan</option> <option value="BO">Bolivia, Plurinational State of</option> <option value="BES">Bonaire, Sint Eustatius and Saba</option> <option value="BA">Bosnia and Herzegovina</option> <option value="BW">Botswana</option> <option value="BV">Bouvet Island</option> <option value="BR">Brazil</option> <option value="IO">British Indian Ocean Territory</option> <option value="BN">Brunei Darussalam</option> <option value="BG">Bulgaria</option> <option value="BF">Burkina Faso</option> <option value="BDI">Burundi</option> <option value="CPV">Cabo Verde</option> <option value="KH">Cambodia</option> <option value="CM">Cameroon</option> <option value="CA">Canada</option> <option value="CYM">Cayman Islands</option> <option value="CAF">Central African Republic</option> <option value="TCD">Chad</option> <option value="CHL">Chile</option> <option value="CHN">China</option> <option value="CX">Christmas Island</option> <option value="CC">Cocos (Keeling) Islands</option> <option value="CI">Colombia</option> <option value="COM">Comoros</option> <option value="CG">Congo</option> <option value="CD">Congo, the Democratic Republic of the</option> <option value="CK">Cook Islands</option> <option value="CR">Costa Rica</option> <option value="HR">Croatia</option> <option value="CU">Cuba</option> <option value="CUW">Curaçao</option> <option value="CY">Cyprus</option> <option value="CZ">Czech Republic</option> <option value="DK">Denmark</option> <option value="DJ">Djibouti</option> <option value="DM">Dominica</option> <option value="DO">Dominican Republic</option> <option value="EC">Ecuador</option> <option value="EG">Egypt</option> <option value="SLV">El Salvador</option> <option value="GNQ">Equatorial Guinea</option> <option value="ER">Eritrea</option> <option value="EE">Estonia</option> <option value="ET">Ethiopia</option> <option value="FK">Falkland Islands (Malvinas)</option> <option value="FO">Faroe Islands</option> <option value="FJ">Fiji</option> <option value="FI">Finland</option> <option value="FR">France</option> <option value="GF">French Guiana</option> <option value="PF">French Polynesia</option> <option value="ATF">French Southern Territories</option> <option value="GA">Gabon</option> <option value="GM">Gambia</option> <option value="GE">Georgia</option> <option value="DE">Germany</option> <option value="GH">Ghana</option> <option value="GI">Gibraltar</option> <option value="GR">Greece</option> <option value="GL">Greenland</option> <option value="GD">Grenada</option> <option value="GLP">Guadeloupe</option> <option value="GU">Guam</option> <option value="GT">Guatemala</option> <option value="GG">Guernsey</option> <option value="GIN">Guinea</option> <option value="GNB">Guinea-Bissau</option> <option value="GUY">Guyana</option> <option value="HT">Haiti</option> <option value="HM">Heard Island and McDonald Islands</option> <option value="VA">Holy See (Vatican City State)</option> <option value="HN">Honduras</option> <option value="HK">Hong Kong</option> <option value="HU">Hungary</option> <option value="IS">Iceland</option> <option value="IN">India</option> <option value="ID">Indonesia</option> <option value="IR">Iran, Islamic Republic of</option> <option value="IQ">Iraq</option> <option value="IE">Ireland</option> <option value="IM">Isle of Man</option> <option value="IL">Israel</option> <option value="IT">Italy</option> <option value="CIV">Ivory Coast</option> <option value="JAM">Jamaica</option> <option value="JP">Japan</option> <option value="JE">Jersey</option> <option value="JO">Jordan</option> <option value="KAZ">Kazakhstan</option> <option value="KE">Kenya</option> <option value="KI">Kiribati</option> <option value="KW">Kuwait</option> <option value="KG">Kyrgyzstan</option> <option value="LA">Lao People's Democratic Republic</option> <option value="LV">Latvia</option> <option value="LB">Lebanon</option> <option value="LS">Lesotho</option> <option value="LBR">Liberia</option> <option value="LBY">Libya</option> <option value="LI">Liechtenstein</option> <option value="LT">Lithuania</option> <option value="LU">Luxembourg</option> <option value="MAC">Macao</option> <option value="MK">Macedonia, the former Yugoslav Republic of</option> <option value="MDG">Madagascar</option> <option value="MY">Malaysia</option> <option value="MW">Malawi</option> <option value="MDV">Maldives</option> <option value="ML">Mali</option> <option value="MLT">Malta</option> <option value="MH">Marshall Islands</option> <option value="MQ">Martinique</option> <option value="MR">Mauritania</option> <option value="MU">Mauritius</option> <option value="MYT">Mayotte</option> <option value="MEX">Mexico</option> <option value="FM">Micronesia, Federated States of</option> <option value="MD">Moldova, Republic of</option> <option value="MC">Monaco</option> <option value="MN">Mongolia</option> <option value="ME">Montenegro</option> <option value="MS">Montserrat</option> <option value="MA">Morocco</option> <option value="MOZ">Mozambique</option> <option value="MM">Myanmar</option> <option value="NA">Namibia</option> <option value="NR">Nauru</option> <option value="NP">Nepal</option> <option value="NL">Netherlands</option> <option value="NC">New Caledonia</option> <option value="NZ">New Zealand</option> <option value="NI">Nicaragua</option> <option value="NE">Niger</option> <option value="NG">Nigeria</option> <option value="NIU">Niue</option> <option value="NF">Norfolk Island</option> <option value="KP">North Korea</option> <option value="MNP">Northern Mariana Islands</option> <option value="NO">Norway</option> <option value="OM">Oman</option> <option value="PAK">Pakistan</option> <option value="PLW">Palau</option> <option value="PS">Palestine, State of</option> <option value="PA">Panama</option> <option value="PG">Papua New Guinea</option> <option value="PRY">Paraguay</option> <option value="PE">Peru</option> <option value="PH">Philippines</option> <option value="PCN">Pitcairn</option> <option value="PL">Poland</option> <option value="PRT">Portugal</option> <option value="PR">Puerto Rico</option> <option value="QA">Qatar</option> <option value="RE">Reunion !Réunion</option> <option value="RO">Romania</option> <option value="RU">Russian Federation</option> <option value="RW">Rwanda</option> <option value="BL">Saint Barthélemy</option> <option value="SH">Saint Helena, Ascension and Tristan da Cunha</option> <option value="KN">Saint Kitts and Nevis</option> <option value="LC">Saint Lucia</option> <option value="MAF">Saint Martin (French part)</option> <option value="PM">Saint Pierre and Miquelon</option> <option value="VC">Saint Vincent and the Grenadines</option> <option value="WS">Samoa</option> <option value="SM">San Marino</option> <option value="ST">Sao Tome and Principe</option> <option value="SA">Saudi Arabia</option> <option value="SEN">Senegal</option> <option value="RS">Serbia</option> <option value="SC">Seychelles</option> <option value="SL">Sierra Leone</option> <option value="SG">Singapore</option> <option value="SX">Sint Maarten (Dutch part)</option> <option value="SK">Slovakia</option> <option value="SI">Slovenia</option> <option value="SB">Solomon Islands</option> <option value="SO">Somalia</option> <option value="ZA">South Africa</option> <option value="GS">South Georgia and the South Sandwich Islands</option> <option value="KOR">South Korea</option> <option value="SS">South Sudan</option> <option value="ES">Spain</option> <option value="LK">Sri Lanka</option> <option value="SD">Sudan</option> <option value="SR">Suriname</option> <option value="SJ">Svalbard and Jan Mayen</option> <option value="SWZ">Swaziland</option> <option value="SE">Sweden</option> <option value="CH">Switzerland</option> <option value="SY">Syrian Arab Republic</option> <option value="TW">Taiwan, Province of China</option> <option value="TJ">Tajikistan</option> <option value="TZ">Tanzania, United Republic of</option> <option value="TH">Thailand</option> <option value="TL">Timor-Leste</option> <option value="TG">Togo</option> <option value="TK">Tokelau</option> <option value="TO">Tonga</option> <option value="TT">Trinidad and Tobago</option> <option value="TN">Tunisia</option> <option value="TR">Turkey</option> <option value="TKM">Turkmenistan</option> <option value="TC">Turks and Caicos Islands</option> <option value="TUV">Tuvalu</option> <option value="UG">Uganda</option> <option value="UA">Ukraine</option> <option value="AE">United Arab Emirates</option> <option value="GB">United Kingdom</option> <option value="UM">United States Minor Outlying Islands</option> <option value="U.S.A">United States of America</option> <option value="URY">Uruguay</option> <option value="UZ">Uzbekistan</option> <option value="VU">Vanuatu</option> <option value="VE">Venezuela, Bolivarian Republic of</option> <option value="VN">Vietnam</option> <option value="VG">Virgin Islands, British</option> <option value="VI">Virgin Islands, U.S.</option> <option value="WF">Wallis and Futuna</option> <option value="EH">Western Sahara</option> <option value="YE">Yemen</option> <option value="ZM">Zambia</option> <option value="ZW">Zimbabwe</option> </optgroup> </select> </div> </div> </div> <div class="field-wrapper col-onequarter hide" data-field-name="postalcode" data-field-type="tel"> <label for="postalcode">Postcode</label> <div class="field"> <div class="inner"> <input name="postalcode" id="postalcode" value="" placeholder="Postal Code" title="Postal Code" type="tel" data-validate="required" pattern=".{4,4}" minlength="4" maxlength="4" tabindex="8" /> </div> </div> </div>  <div class="steps bottom col-onequarter last"> <button name="submit" id="submit" title="" type="submit" tabindex="9"><span class="button-download">Download</span></button> </div> <div class="steps bottom full">  <p class="circles"><span class="circle one backto1">1</span><span class="circle two backto2">2</span><span class="circle three active">3</span></p> </div> </div> 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Now, it provides consumers and businesses with unparalleled options that rival traditional financial delivery methods, including products and services that use artificial intelligence (AI), blockchain, cloud computing and big data – collectively known as the ABCD of fintech.</p> <p>Fintech, including technologies such as peer-to-peer lending, digital banks, cryptocurrency and digital wallets, have permanently changed the way businesses and customers secure finance, invest and transact for the better. In recent years, the industry has exploded in popularity and value. For example, the total transaction value of digital payments is currently at <a href="https://www.statista.com/outlook/dmo/fintech/australia" target="_blank">US$91 billion</a> (AU$145 billion) and the neobanking sector is projected to reach a value of <a href="https://www.datamintelligence.com/research-report/australia-neobanking-market" target="_blank">US$703.34 million</a> (AU$1.06 billion) by 2026.</p> <p>For anyone looking to enter the field, programs like the online <a href="//studyonline.unsw.edu.au/online-programs/master-financial-technology" target="_blank">Master of Financial Technology from UNSW</a> can prepare you for a successful career in fintech. The program delivers technical financial technology skills across a range of courses to provide you with the confidence to lead and innovate teams, start-ups and businesses. Graduates will also gain an understanding of relevant financial technologies, frameworks and what it means to be an ethical professional in a disruptive and innovative industry.</p> <h2>What is fintech?</h2> <p>‘Fintech’ is technology that aims to improve and automate the delivery of a suite of financial services. It has many uses, including helping companies, business owners and customers manage financial operations and processes by using intelligent software and algorithms.</p> <p>At its core, fintech is what enables businesses and consumers to perform a range of financial activities, including transferring money, applying for credit and investing in a digital currency, all without human assistance. Fintech now operates in numerous sectors and industries, including education, retail, banking, fundraising and investment management.</p> <p>Fintech is increasingly common among consumers. According to the <a href="https://assets.ey.com/content/dam/ey-sites/ey-com/en_gl/topics/banking-and-capital-markets/ey-global-fintech-adoption-index.pdf" target="_blank">EY Global FinTech Adoption Index 2019</a>, one-third of all customers use at least two fintech services.</p> <h3>The purpose of fintech</h3> <p>Fintech receives considerable attention from the media and attracts investment worldwide, with many fintech start-ups receiving <a href="https://news.crunchbase.com/venture/biggest-vc-startup-funding-deals-fintech-acorns-stax/" target="_blank">billions in venture funding every month</a>. This attention isn’t unfounded. At their core, fintech start-ups are designed to threaten, challenge and eventually take over from traditional financial service providers.</p> <p>Fintech start-ups can do this by being more agile; by providing services for a previously underserved population; or by providing a better, faster, more transparent service than more traditional financial organisations.</p> <h3>A brief history of fintech</h3> <p>The term ‘fintech’ initially emerged in the early 2000s. At the time, it was used to describe back-end systems of established financial institutions. Today, it has a vastly different meaning.</p> <p>Around the mid-2010s, fintech exploded in popularity, with many new start-ups receiving millions and even billions in venture capital investment. Fintech start-ups were most prolific in North America, with many also appearing in Asia and Europe.</p> <p>Fintech grew to include the following technologies:</p> <ul> <li>Cryptocurrency, including non-fungible tokens (NFTs), as well as blockchain technology and smart contracts.</li> <li>Money management tools, including those that enable open banking, in which applications connect financial institutions with third-party providers.</li> <li>Insurance technology.</li> <li>Roboadvisers, in which algorithms automate investment advice.</li> <li>Banking services for people who couldn’t access them before.</li> <li>Cybersecurity applications that allowed for the decentralised storage of data.</li> </ul> <h3>Fintech users</h3> <p>More and more of the population is adopting fintech in their daily lives. Four main categories of users of fintech exist:</p> <ul> <li>Business to business within the banking sector.</li> <li>Banks serving their clientele within any sector.</li> <li>Business-to-consumer services for small businesses.</li> <li>Consumer services.</li> </ul> <p>All four categories of users are also increasingly able to interact due to the increased information, data, decentralisation and more accurate analytics now available via fintech.</p> <p>The demographics of fintech users typically skew younger, with many start-ups targeting millennials and Generation Z. Most customer-oriented fintech start-ups target them because they have high trust in fintech and can use it with ease. The population is also large and likely to inherit considerable wealth in the coming years, making fintech a valuable money management tool.</p> <p>As users of fintech increase, so has the demand for trained professionals. So much so, that demand for skilled workers far outweighs the talent available. Thankfully, today, there are postgraduate programs, like the 100% online <a href="//studyonline.unsw.edu.au/online-programs/master-financial-technology" target="_blank">Master of Financial Technology at UNSW</a>, available to help address the needs of the growing industry.</p> <h2>Fintech benefits and risks</h2> <p>Without a doubt, fintech has revolutionised how customers transact and has provided numerous benefits to large segments of the population. Unfortunately, fintech also presents some risks. Below are both the benefits and the risks of fintech.</p> <h3>Benefits of fintech</h3> <p>Fintech offers five key benefits.</p> <h4>Lower prices</h4> <p>As a general rule, fintech products offer considerably lower prices to both customers and businesses. The reasons are complex but are generally the result of less bureaucracy, algorithms that can provide more accurate lending data and the absence of legacy systems that create larger cost bases and risks for organisations.</p> <h4>Better access to financial products</h4> <p>In the past, many groups had little or no access to financial products and lending, for example, small businesses or those with bad credit. Fintech has helped democratise the finance industry, ensuring that small businesses have better access to lending. Customers also have better access and insights into their interest rates, spending and risks through fintech products, including regional customers who may not have been able to visit branches.</p> <h4>Improved transparency</h4> <p>Fintech provides customers with a high level of transparency in what they spend and earn. Fintech products offer real-time insights into spending and in-depth analysis of important metrics, such as where money is spent, when and why. This data can help customers make important financial decisions.</p> <h4>Better service</h4> <p>With improved transparency, algorithms and AI, fintech provides vastly better service than traditional financial institutions. This is largely due to technology, but also due to smarter and faster processes.</p> <h4>Faster service</h4> <p>One of the greatest benefits of fintech is how fast service can be across a vast range of services. As opposed to waiting days or weeks, business customers can secure loans in 24 hours or less. Customers can also access real-time data, enabling them to make fast and informed decisions, or transact, instantly.</p> <h4>Risks of fintech</h4> <p>As beneficial as fintech is, it also presents three main risks.</p> <h4>New, inexperienced entrants</h4> <p>Most established financial institutions worldwide have been around for decades. However, one risk of fintech is that new, inexperienced companies enter the space and may not have the required licences or appropriate experience to run a financial institution. They may also not provide the appropriate documents or financial disclosure statements.</p> <h4>Less regulation</h4> <p>Financial institutions are heavily regulated and for good reason – the potential for fraud is high. However, fintechs are often difficult to regulate, as they operate outside of the traditional financial landscape. One example of this is that some fintechs in the small business loan space don’t require a credit licence to operate, although technically they should have one.</p> <p>Additionally, in the fintech space, typical consumer laws may not apply, leaving consumers open to many risks. Regulation has become an <a href="https://www.forbes.com/sites/forbestechcouncil/2022/07/20/fintech-regulation-legal-and-regulatory-aspects/?sh=7ac72802e383" target="_blank">area of considerable concern</a> for anyone using fintech.</p> <h4>Cybersecurity</h4> <p>With a multitude of sensitive data stored in the cloud, comprehensive cybersecurity in fintech is essential; however, fintech is often a target for attacks.</p> <p>Fintech products are often the target of malware, data breaches, phishing, cyber fraud and other types of attacks. Sometimes, they’re successful in obtaining sensitive financial information.</p> <p><img alt="Five ways that fintech has improved the financial industry. According to Finder, fintech is providing numerous benefits to consumers and businesses, including: 1. Lower prices: Fintech products are available at lower prices than traditional banking products. 2. Better access: Fintech enables consumers with poor credit to access lending. 3. Improved transparency: Fintech provides comprehensive data to help investors make better decisions. 4. Better service: Fintech provides better service than, say, traditional mortgage application processes. 5. Faster service: Some fintech enables consumers to get loans approved in as little as 24 hours." style="width: 1200px; height: 762px;" class="b-lazy" data-src="/sites/default/files/Benefits-of-FinTech.jpg" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" /></p> <h2>Fintech examples</h2> <p>Fintech offers fast and convenient solutions to businesses and customers alike. Below are five different fintech examples.</p> <h3>Digital banks</h3> <p>One fintech example that has helped to revolutionise access is digital banking. Many fintech digital bank start-ups have helped improve access to traditional banking services for those who couldn’t previously access them, due to either their location or the high cost of banking fees.</p> <p>Digital banks have helped give all people access to banking services.</p> <h3>Small business finance</h3> <p>Small businesses have traditionally had to bear the brunt of loan rejections, with traditional banks often being unable to assess their creditworthiness. This has meant many small businesses being unable to access credit.</p> <p>Fintech has changed this, enabling small businesses to not only access loans but also do so faster and more securely than in the past, while also enjoying favourable credit terms.</p> <h3>Peer-to-peer lending</h3> <p>Fintech is also revolutionising equity finance. Many different fintech firms are working on solutions to help businesses and individuals more easily raise money outside of the traditional banking system.</p> <p>In this particular category, some start-ups are focused on aligning investors with deserving businesses that may be just starting out or may need access to additional capital.</p> <p>Another area of focus for start-ups in the peer-to-peer space is helping businesses and individuals support charities or other worthwhile causes through fundraising. Peer-to-peer lending helps remove the intermediary, typically a bank and enables investors to connect directly with others.</p> <h3>Cryptocurrency </h3> <p>Many fintechs have been pivotal in creating cryptocurrency, a virtual currency that uses encryption technology to offer a secure form of exchange.</p> <p>Many industries are currently benefiting from cryptocurrency, as it reduces costs, allows for quicker and more efficient transactions, is more easily traceable, improves security and offers increased transparency in online payments. Many online retailers are beginning to accept cryptocurrency as a form of payment.</p> <h3>Digital wallets </h3> <p>The final important fintech example is digital wallets. There’s no limit to what people can do on their smartphones nowadays and fintechs have ensured that this is possible from a payments perspective.</p> <p>Instead of relying on a traditional wallet with bank cards, fintechs have made it possible to easily and seamlessly transact via smartphone, saving customers time and providing extra security.</p> <h2>Fintech companies disrupting the financial landscape</h2> <p>A plethora of fintech companies are changing everything in finance for the better, so it can be hard to pinpoint just a handful.</p> <p>However, a few of them have grown considerably and are leaders in their space. Below are five examples of fintech companies disrupting the financial landscape.</p> <h3>Nimble</h3> <p>As one of the early fintech examples of disruption to the traditional loan sector, <a href="https://nimble.com.au/" target="_blank">Nimble began in 2005</a> as a loan provider that serviced everyone and endeavoured to make the loan process faster, easier and accessible to more people than ever.</p> <p>Specialising in small loans (up to US$25,000, or AU$36,8500), Nimble offers an online application process, quick decisions and access to loan money within an hour. It has serviced nearly 1.7 million customers.</p> <h3>SocietyOne</h3> <p>As a premier peer-to-peer lending platform, <a href="https://societyone.com.au/" target="_blank">SocietyOne </a>enables investors to reach borrowers and endeavours to provide both a better and fairer deal than they would find via a traditional financier.</p> <p>Established in 2012, SocietyOne has matched investors’ funds with more than 35,000 consumers and, as of 2021, it had surpassed AU$1 billion in lending.</p> <h3>Prospa</h3> <p><a href="https://www.prospa.com/" target="_blank">Prospa is a loan provider</a> focusing exclusively on the small business space. Currently, it’s Australia's number one online business lender and it takes pride in understanding what it’s like to be a small business and offering a frictionless experience for all small businesses, regardless of size.</p> <p>Prospa offers small businesses loans of up to $US500,000 (AU$736,940) and applications can be approved in as little as 10 minutes.</p> <h3>Moula</h3> <p>Founded in 2013, <a href="https://moula.com.au/" target="_blank">Moula provides loans</a> to small and medium businesses. Its mission is to remove much of the traditional hassle associated with loans, including paperwork, extensive credit checks and onerous financial and data reporting requirements.</p> <p>Moula offers business customers loans of up to $US250,000 (AU$368,470) and aims to provide a personal service.</p> <h3>Judo </h3> <p>Founded in 2016, <a href="https://www.judo.bank/" target="_blank">Judo Bank is a neobank</a> (a bank that only exists online). Judo competes with larger, more established banks by offering a more seamless and nimble experience to its customers.</p> <p>Judo has secured an authorised deposit-taking institution (ADI) licence, which means that it can receive deposits from retail and normal customers and offer term deposit products.</p> <p>Judo also offers a suite of different business loan options.</p> <h3><img alt="Five different types of fintech. There are many different and exciting types of fintech according to Square, including: 1. Digital banks: A bank that operates digitally (from an app) rather than from a physical office. 2. Small business finance: A type of online technology to provide quick-turnaround finance to businesses. 3. Peer-to-peer lending: Technology that connects people with money to invest with those looking for a loan. 4. Cryptocurrency: A digital currency where transactions are verified and maintained by a system using cryptography. 5. Digital wallets: A financial transaction application that is used on mobile devices and securely stores payments. " style="width: 1200px; height: 705px;" class="b-lazy" data-src="/sites/default/files/Examples-of-FinTech-companies.jpg" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" />Other resources </h3> <p>Following are other examples of leading fintechs in Australia:</p> <ul> <li><a href="https://www.crunchbase.com/hub/australia-fintech-companies" target="_blank">Crunchbase, Australia FinTech Companies</a>: This resource provides a listing service that details key statistics for Australian fintechs.</li> <li><a href="https://tracxn.com/explore/FinTech-Startups-in-Australia" target="_blank">Tracxn, FinTech Startups in Australia</a>: This resource provides a detailed description of more than 2000 Australian fintechs.</li> <li><a href="https://www.vcbay.news/2021/12/29/top-10-fintech-startups-in-australia/" target="_blank">VCBay, “Top 10 FinTech Startups in Australia</a>”: This resource provides a list of Australia’s top 10 fintech startups.</li> </ul> <h2>Future of fintech</h2> <p>As evidenced by the ongoing increase in both business and consumer use, the future of fintech is bright. Below are four key trends to watch for.</p> <h3>Uses and benefits of blockchain will continue to increase</h3> <p>In 2022, the value of cryptocurrencies plummeted, leading some to question whether the blockchain-enabled industry could or would continue in its current form.</p> <p>Despite the loss, venture capitalists are still <a href="https://pitchbook.com/blog/vc-firms-investing-in-blockchain-and-cryptocurrency" target="_blank">investing in blockchain and cryptocurrency projects</a>. This investment includes several billion dollars in decentralised finance (DeFi) platforms, which offer an alternative to the current financial system as they’re open, global and don’t have a central governing body.</p> <p>These platforms offer users the option to trade, lend, borrow and exchange assets and increasingly may be used instead of standard banking, trading and even currency exchanges.</p> <h3>Regulators will create stricter ordinances for fintech</h3> <p>For as long as fintech has been around, financial regulators have been trying to play ‘catch-up’ to protect businesses and consumers. In Australia and overseas, there have been multiple inquiries into the fintech industry, most notably into the buy now, pay later (BNPL) sector, which has attracted scrutiny.</p> <p>Regulators are also looking at ways to govern cryptocurrency, as well as evaluate the algorithms and AI functions of fintech apps. As time goes on, fintech will likely involve significantly more regulation.</p> <h3>Fintech will continue to solve credibility issues</h3> <p>One thing that traditional financial institutions have that fintech often doesn’t is the trust of customers. Regarding finance of any type, trust is crucial and fintech has encountered credibility problems, partially because it’s quite new compared with older financial technology. It also isn’t regulated in the same way that traditional institutions are.</p> <p>It’ll take consumers and businesses time to learn to trust big data, cloud computing and fintech in general. As it becomes more mainstream and sophisticated, its credibility will increase.</p> <h3>Fintech will reach more customers than ever before</h3> <p>Fintechs may soon be so widespread that more people will be using them than traditional banks. This will likely happen first with people who are unable to reach banks’ physical branches or those who have traditionally not been able to afford banking services.</p> <p>Over time, however, the growth will likely spread to all or almost all customers who require banking services. Consumers will see that fintech offers speed, security, convenience and transparency in a way that traditional banking simply doesn’t.</p> <h3>Other resources</h3> <p>Below are resources with more information on the future of fintech.</p> <p>● <a href="https://www.tandfonline.com/doi/full/10.1080/08956308.2019.1613123" target="_blank">Research-Technology Management, “The Future of Fintech”</a>: This resource is an academic article on what to expect in the future from the fintech industry.</p> <p>● <a href="https://www.bankdirector.com/issues/technology/top-5-fintech-trends-now-and-in-the-future/" target="_blank"> Bank Director, “Top 5 Fintech Trends, Now and in the Future”</a>: This resource presents the top five fintech trends in 2022.</p> <p>● <a href="https://www.brighttalk.com/summit/5062-the-future-of-fintech-2022-and-beyond/" target="_blank">BrightTALK, “The Future of Fintech: 2022 and Beyond”</a>: This resource contains webinar presentations from a June 2022 virtual summit covering fintech’s evolution.</p> <h2>The future of fintech is bright</h2> <p>Technology has disrupted practically every industry, from farm machinery to publishing. However, the <a href="//studyonline.unsw.edu.au/blog/top-financial-career-jobs-and-evolution-finance-industry" target="_blank">financial industry</a> has seen one of the most widespread and beneficial disruptions in fintech.</p> <p>Fintech has helped revolutionise and democratise finance, both in terms of who can access it and who has the information to make the most informed decisions. Fintech helps provide frictionless access to financial products, meaning more businesses and ultimately more people can be financially successful.</p> <p>If you’ve been thinking about a career in fintech, programs like the online <a href="//studyonline.unsw.edu.au/online-programs/master-financial-technology" target="_blank">Master of Financial Technology from UNSW</a> can give you the competitive edge and skills to stay ahead of the curve in this disruptive industry.</p> <p><a class="openenquire" href="javascript:;"><strong>Speak with our team of Student Enrolment Advisors</strong></a> to learn how you can be a part of the booming fintech industry with the 100% online Master of Financial Technology at UNSW.</p></div></div></div><div class="field-collection-container clearfix"> </div><ul class="flippy"> <li class="prev"> <a href="/blog/types-of-data" title=""></a> </li> <li class="next"> <a href="/blog/consultant-cfo-career-spotlight-geoff-stalley-booktopia" title=""></a> </li> </ul> </div> <footer> <address class="authorbio"> <div class="user-info"> <div class="user-name">by <span rel="author">Tamara Robertson</span></div> <div class="user-bio"></div> </div> </address> </footer> </article> </div> </div> <aside id="page_content_sidebar_lower" class="region region-content-sidebar-lower region-content-sidebar sub-region"> <section id="block-multiblock-4" class="block block-multiblock blogcats bdk-ltgray"> <header> Categories </header> <div class="content"> <div class="view view-blog-categories view-id-blog_categories view-display-id-block view-dom-id-0bdf7e3207b886f6c0a4c409819a958a"> <div class="view-content"> <div class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/analytics">Analytics</a></span> </div> </div> <div class="views-row views-row-2 views-row-even"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/applied-finance">Applied Finance</a></span> </div> </div> <div class="views-row views-row-3 views-row-odd"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/cyber-security">Cyber Security</a></span> </div> </div> <div class="views-row views-row-4 views-row-even"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/data-science">Data Science</a></span> </div> </div> <div class="views-row views-row-5 views-row-odd"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/financial-technology">Financial Technology</a></span> </div> </div> <div class="views-row views-row-6 views-row-even"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/human-resource-management">Human Resource Management</a></span> </div> </div> <div class="views-row views-row-7 views-row-odd"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/management">Management</a></span> </div> </div> <div class="views-row views-row-8 views-row-even"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/marketing-analytics">Marketing Analytics</a></span> </div> </div> <div class="views-row views-row-9 views-row-odd views-row-last"> <div class="views-field views-field-name"> <span class="field-content"><a href="/category/unsw-online-study">UNSW Online Study</a></span> </div> </div> </div> </div> </div> </section> </aside> </div> </main> <div id="page_lower" class="region region-lower super-region"> <div class="content"> <section id="block-bean-ready-to-get-started" class="block block-bean advisor wborder"> <header> Ready to get started? </header> <div class="content"> <div class="entity entity-bean bean-custom-block clearfix" about="/block/ready-to-get-started" typeof=""> <div class="content"> <div class="field field-name-field-content field-type-text-long field-label-hidden"><div class="field-items"><div class="field-item even"><p><img alt="" class="b-lazy" data-src="/sites/default/files/icon-support.svg" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" /></p> <h2>Speak to an Enrolment Advisor</h2> <p>Investing in the right program for you is important to us and we’re here to help. 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