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data-mw-deduplicate="TemplateStyles:r1257001546">.mw-parser-output .infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><style data-mw-deduplicate="TemplateStyles:r1242257876">.mw-parser-output .ib-company .infobox-label{padding-right:0.5em}.mw-parser-output .ib-company .infobox-data,.mw-parser-output .ib-company .infobox-below{line-height:1.35em}.mw-parser-output .ib-company-logo img{background-color:#f8f9fa}.mw-parser-output .ib-company-locality,.mw-parser-output .ib-company-country{display:inline}</style><table class="infobox ib-company vcard"><caption class="infobox-title fn org" style="font-size: 125%;">Tyro</caption><tbody><tr><td colspan="2" class="infobox-image ib-company-logo logo"><span class="mw-default-size" typeof="mw:File/Frameless"><a href="/wiki/File:Tyro_Payments_Logo.png" class="mw-file-description"><img alt="Tyro Payments logo" src="//upload.wikimedia.org/wikipedia/en/thumb/1/15/Tyro_Payments_Logo.png/220px-Tyro_Payments_Logo.png" decoding="async" width="220" height="105" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/1/15/Tyro_Payments_Logo.png/330px-Tyro_Payments_Logo.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/1/15/Tyro_Payments_Logo.png/440px-Tyro_Payments_Logo.png 2x" data-file-width="456" data-file-height="218" /></a></span><div class="infobox-caption">Logo used from 2019</div></td></tr><tr><th scope="row" class="infobox-label">Formerly</th><td class="infobox-data nickname">MoneySwitch Limited</td></tr><tr><th scope="row" class="infobox-label">Company type</th><td class="infobox-data category"><a href="/wiki/Public_company" title="Public company">Public</a></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Ticker_symbol" title="Ticker symbol">Traded as</a></div></th><td class="infobox-data"><a href="/wiki/Australian_Securities_Exchange" title="Australian Securities Exchange">ASX</a>: <a rel="nofollow" class="external text" href="https://www2.asx.com.au/markets/company/TYR">TYR</a></td></tr><tr><th scope="row" class="infobox-label">Industry</th><td class="infobox-data category"><style data-mw-deduplicate="TemplateStyles:r1126788409">.mw-parser-output .plainlist ol,.mw-parser-output .plainlist ul{line-height:inherit;list-style:none;margin:0;padding:0}.mw-parser-output .plainlist ol li,.mw-parser-output .plainlist ul li{margin-bottom:0}</style><div class="plainlist"><ul><li><a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a></li><li><a href="/wiki/Financial_services" title="Financial services">Financial services</a></li></ul></div></td></tr><tr><th scope="row" class="infobox-label">Predecessor</th><td class="infobox-data">MoneySwitch Limited</td></tr><tr><th scope="row" class="infobox-label">Founded</th><td class="infobox-data">3 February 2003<span class="noprint">; 22 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2003-02-03</span>)</span></td></tr><tr><th scope="row" class="infobox-label">Founders</th><td class="infobox-data agent"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist"><ul><li>Andrew Rothwell</li><li>Paul Wood</li><li>Peter Haig</li></ul></div></td></tr><tr><th scope="row" class="infobox-label">Headquarters</th><td class="infobox-data adr"><div class="ib-company-locality locality"><a href="/wiki/Sydney" title="Sydney">Sydney</a></div>, <div class="ib-company-country country-name"><a href="/wiki/Australia" title="Australia">Australia</a></div></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Area served</div></th><td class="infobox-data">Australia</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Key people</div></th><td class="infobox-data agent"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist"><ul><li>Jonathan Davey (<a href="/wiki/Chief_executive_officer" title="Chief executive officer">CEO</a>)</li><li><a href="/wiki/David_Thodey" title="David Thodey">David Thodey</a> (<a href="/wiki/Chairman" class="mw-redirect" title="Chairman">Chairman</a>)</li><li>Praveenesh Pala (<a href="/wiki/Chief_financial_officer" title="Chief financial officer">CFO</a>)</li><li><a href="/wiki/Catherine_Harris" title="Catherine Harris">Catherine Harris</a> (<a href="/wiki/Non-executive_director" title="Non-executive director">NXD</a>)</li></ul></div></td></tr><tr><th scope="row" class="infobox-label">Services</th><td class="infobox-data category"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist"><ul><li><a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a></li><li><a href="/wiki/Commercial_bank" title="Commercial bank">Business banking</a></li><li><a href="/wiki/Deposit_account" title="Deposit account">Deposit account</a></li><li><a href="/wiki/Loan" title="Loan">Loan</a></li><li><a href="/wiki/Time_deposit" title="Time deposit">Term deposit</a></li><li><a href="/wiki/E-commerce" title="E-commerce">E-commerce</a></li></ul></div></td></tr><tr><th scope="row" class="infobox-label">Revenue</th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist nowrap"><ul><li><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> AUD$189,770,000</li></ul></div> (2019)</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Earnings_before_interest_and_taxes" title="Earnings before interest and taxes">Operating income</a></div></th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist nowrap"><ul><li><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> AUD$83,260,000</li></ul></div> (2019)</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Net_income" title="Net income">Net income</a></div></th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist nowrap"><ul><li><span typeof="mw:File"><span title="Decrease"><img alt="Decrease" src="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/11px-Decrease2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/17px-Decrease2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/22px-Decrease2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> AUD$ (18,397,000)</li></ul></div> (2019)</td></tr><tr><th scope="row" class="infobox-label"><span class="nowrap"><a href="/wiki/Asset" title="Asset">Total assets</a></span></th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist nowrap"><ul><li><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> AUD$148,664,000</li></ul></div> (2019)</td></tr><tr><th scope="row" class="infobox-label"><span class="nowrap"><a href="/wiki/Equity_(finance)" title="Equity (finance)">Total equity</a></span></th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist nowrap"><ul><li><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/11px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/17px-Increase2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/22px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> AUD$93,069,000</li></ul></div> (2019)</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Number of employees</div></th><td class="infobox-data">450 (2019)</td></tr><tr><th scope="row" class="infobox-label">Website</th><td class="infobox-data"><span class="url"><a rel="nofollow" class="external text" href="http://tyro.com">tyro<wbr />.com</a></span></td></tr><tr><td colspan="2" class="infobox-below"><b>Footnotes / references</b><br /><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.asx.com.au/asxpdf/20191206/pdf/44cc43c3lwmq41.pdf">"Tyro Annual Report 2019l"</a> <span class="cs1-format">(PDF)</span>. Tyro Payments<span class="reference-accessdate">. Retrieved <span class="nowrap">19 December</span> 2019</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Tyro+Annual+Report+2019l&rft.pub=Tyro+Payments&rft_id=https%3A%2F%2Fwww.asx.com.au%2Fasxpdf%2F20191206%2Fpdf%2F44cc43c3lwmq41.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ATyro+%28company%29" class="Z3988"></span></td></tr></tbody></table> <p><b>Tyro Payments Limited</b> (Tyro) is an Australian payments <a href="/wiki/Fintech" title="Fintech">financial institution</a> specialising in merchant <a href="/wiki/Credit_card" title="Credit card">credit</a>, <a href="/wiki/Debit_card" title="Debit card">debit</a> and <a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a> <a href="/wiki/Acquiring_bank" title="Acquiring bank">acquiring</a>. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Tyro_(company)&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:Tyrovolume.png" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/en/thumb/4/4f/Tyrovolume.png/220px-Tyrovolume.png" decoding="async" width="220" height="132" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4f/Tyrovolume.png/330px-Tyrovolume.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4f/Tyrovolume.png/440px-Tyrovolume.png 2x" data-file-width="750" data-file-height="450" /></a><figcaption>Tyro Acquiring Volume</figcaption></figure> <p>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.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> It was the second company in Australia to be granted a Specialist Credit Card Institution (SCCI) licence<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> after <a href="/wiki/GE_Capital" title="GE Capital">GE Capital</a>. </p><p>In 2012, Tyro exceeded $3.5 billion of card transaction volume.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>In February 2017, Tyro became the first bank to implement payments via <a href="/wiki/Siri" title="Siri">Siri</a>.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> At the same time, Tyro announced a partnership with <a href="/wiki/Afterpay" title="Afterpay">Afterpay</a>.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p><p>In 2015, Tyro was granted a "banking licence", becoming an "Authorised Deposit taking Institution (ADI)".<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> It was the first Australian technology company to be granted this licence by the <a href="/wiki/Australian_Prudential_Regulation_Authority" title="Australian Prudential Regulation Authority">Australian Prudential Regulatory Authority</a>.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p><p>In October 2016, Tyro appointed <a href="/wiki/Gerd_Schenkel" title="Gerd Schenkel">Gerd Schenkel</a>, founder of <a href="/wiki/UBank" title="UBank">UBank</a> and Telstra Digital as its new CEO. Gerd resigned in June 2017. In January 2018, Tyro appointed Robbie Cooke as CEO. Cooke was formerly managing director of Tatts Group.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> In June 2022, Robbie Cooke resigned as CEO.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> Jonathan (Jon) Davey was appointed as the new CEO on October 3.<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> Jon Davey had led Tyro’s health business unit, following Tyro’s acquisition of health fintech Medipass.<sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> </p><p>In January 2021, Tyro experienced a terminal connectivity issue that impacted many of its merchants.<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> </p><p>On 15 January Tyro requested a trading halt on its shares on the same day a short selling firm, Viceroy Research, published a report alleging that a large number of terminals were taken down.<sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Takeover_battle">Takeover battle</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Tyro_(company)&action=edit&section=2" title="Edit section: Takeover battle"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In September 2022, Tyro's shares rose 18% after the company received - and rejected - an unsolicited takeover bid from Private Equity company Potentia. <sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> </p><p>In Dec 2022, Tyro's shares dropped 18% after <a href="/wiki/Westpac" title="Westpac">Westpac</a> ends its takeover bid of the company, after it had joined the process in October. <sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> At the same time, Tyro announced that Potentia had raised its non-binding offer to $1.60, valuing the business at about $875 million. However, its Board rejected that offer. </p><p>On 22 May 2023, Tyro's shares dropped nearly 20% after it announced that Potentia had dropped their pursuit. <sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Strategy">Strategy</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Tyro_(company)&action=edit&section=3" title="Edit section: Strategy"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size mw-halign-left" typeof="mw:File/Thumb"><a href="/wiki/File:Tyro_Terminal.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/e/e5/Tyro_Terminal.jpg/220px-Tyro_Terminal.jpg" decoding="async" width="220" height="133" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/e5/Tyro_Terminal.jpg/330px-Tyro_Terminal.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/e5/Tyro_Terminal.jpg/440px-Tyro_Terminal.jpg 2x" data-file-width="4040" data-file-height="2444" /></a><figcaption>Tyro terminal used in cafe</figcaption></figure> <p>Tyro self-describes its strategy to compete with the major banks as "nextgen banking" focusing on Small and Medium Enterprises (SMEs).<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> </p><p>As part of that, Tyro is lobbying for a more open data exchange in the traditional banking industry.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Tyro_(company)&action=edit&section=4" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Afterpay" title="Afterpay">Afterpay</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Tyro_(company)&action=edit&section=5" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://fsi.gov.au/files/2014/04/Tyro_Payments_Ltd.pdf">"Submission to the Financial System Inquiry"</a> <span class="cs1-format">(PDF)</span>. <i>Fsi.gov.au</i><span class="reference-accessdate">. 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Retrieved <span class="nowrap">5 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Sydney+Morning+Herald&rft.atitle=Tyro%27s+Jost+Stollman+wants+to+beat+the+big+banks+at+small+lending&rft.date=2015-11-30&rft.aulast=Shapiro&rft.aufirst=Shaun+Drummond%2C+Jonathan&rft_id=https%3A%2F%2Fwww.smh.com.au%2Fbusiness%2Fbanking-and-finance%2Ftyros-jost-stollman-wants-to-the-beat-the-big-banks-at-small-lending-20151127-gl9r2u.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ATyro+%28company%29" class="Z3988"></span><span class="cs1-maint citation-comment"><code class="cs1-code">{{<a href="/wiki/Template:Cite_news" title="Template:Cite news">cite news</a>}}</code>: CS1 maint: multiple names: authors list (<a href="/wiki/Category:CS1_maint:_multiple_names:_authors_list" title="Category:CS1 maint: multiple names: authors list">link</a>)</span></span> </li> <li id="cite_note-19"><span class="mw-cite-backlink"><b><a href="#cite_ref-19">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20161104002313/http://www.itwire.com/strategy/74304-a-$7-billion-hit-on-smes,-economy-from-banking-%E2%80%98red-tape%E2%80%99-says-tyro.html">"ITWire - A $7 billion hit on SMEs, economy from banking 'red tape' says Tyro"</a>. 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Retrieved <span class="nowrap">1 November</span> 2016</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=ITWire+-+A+%247+billion+hit+on+SMEs%2C+economy+from+banking+%27red+tape%27+says+Tyro&rft_id=http%3A%2F%2Fwww.itwire.com%2Fstrategy%2F74304-a-%247-billion-hit-on-smes%2C-economy-from-banking-%25E2%2580%2598red-tape%25E2%2580%2599-says-tyro.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ATyro+%28company%29" class="Z3988"></span></span> </li> <li id="cite_note-20"><span class="mw-cite-backlink"><b><a href="#cite_ref-20">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.cio.com.au/article/599635/fintech-specialists-say-nextgen-banking-may-replace-big-four/">"Fintech specialists say 'NextGen banking' may replace Big Four"</a>. <i>Cio.com.au</i><span class="reference-accessdate">. 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Retrieved <span class="nowrap">5 December</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Myaccount.news.com.au&rft.atitle=Tyros+New+Boss+Gerd+Schenkel+Says+Fintech+Revolution+Mostly+Hype&rft_id=https%3A%2F%2Fmyaccount.news.com.au%2Fsites%2Ftheaustralian%2Fsubscribe.html%3FsourceCode%3DTAWEB_WRE170_a%26mode%3Dpremium%26dest%3Dhttps%3A%2F%2Fwww.theaustralian.com.au%2Fbusiness%2Ffinancial-services%2Ftyros-new-boss-gerd-schenkel-says-fintech-revolution-mostly-hype%2Fnews-story%2F53f3531516350cd11c873718fe089f12%3Fnk%3D12fcdc013e9cb05386379bf7200b51ae-1544042771%26memtype%3Danonymous&rfr_id=info%3Asid%2Fen.wikipedia.org%3ATyro+%28company%29" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a 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style="width:1%"><a href="/wiki/Big_Four_(banking)#Australia" title="Big Four (banking)">Big Four</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/ANZ_(bank)" title="ANZ (bank)">ANZ</a> <ul><li><a href="/wiki/Suncorp_Bank" title="Suncorp Bank">Suncorp Bank</a></li></ul></li> <li><a href="/wiki/Commonwealth_Bank" title="Commonwealth Bank">Commonwealth Bank</a> <ul><li><a href="/wiki/Bankwest" title="Bankwest">Bankwest</a></li></ul></li> <li><a href="/wiki/National_Australia_Bank" title="National Australia Bank">National Australia Bank</a> <ul><li><a href="/wiki/UBank" title="UBank">UBank</a></li></ul></li> <li><a href="/wiki/Westpac" title="Westpac">Westpac</a> <ul><li><a href="/wiki/Bank_of_Melbourne_(2011)" title="Bank of Melbourne (2011)">Bank of Melbourne</a></li> <li><a href="/wiki/BankSA" title="BankSA">BankSA</a></li> <li><a href="/wiki/St.George_Bank" title="St.George Bank">St.George Bank</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other retail</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Alex_Bank" title="Alex Bank">Alex Bank</a></li> <li><a href="/wiki/AMP_Limited" title="AMP Limited">AMP</a></li> <li><a href="/wiki/Auswide_Bank" title="Auswide Bank">Auswide Bank</a></li> <li><a href="/wiki/Judo_Bank" title="Judo Bank">Judo Bank</a></li> <li><a href="/wiki/Macquarie_Group" title="Macquarie Group">Macquarie Bank</a></li> <li><a href="/wiki/Bank_of_Queensland" title="Bank of Queensland">Bank of Queensland</a> <ul><li><a href="/wiki/ME_Bank" title="ME Bank">ME Bank</a></li> <li><a href="/wiki/Virgin_Money_Australia" title="Virgin Money Australia">Virgin Money</a></li></ul></li> <li><a href="/wiki/Bendigo_%26_Adelaide_Bank" class="mw-redirect" title="Bendigo & Adelaide Bank">Bendigo & Adelaide Bank</a> <ul><li><a href="/wiki/Up_(Australian_bank)" title="Up (Australian bank)">Up</a></li></ul></li> <li><a href="/wiki/Tyro_Payments" class="mw-redirect" title="Tyro Payments">Tyro Payments</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Cooperative_banking" title="Cooperative banking">Member-owned</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Australian_Unity" title="Australian Unity">Australian Unity</a></li> <li><a href="/wiki/Bank_Australia" title="Bank Australia">Bank Australia</a></li> <li><a href="/wiki/Bank_First" title="Bank First">Bank First</a></li> <li><a href="/wiki/BankVic" title="BankVic">BankVic</a></li> <li><a href="/wiki/Beyond_Bank_Australia" title="Beyond Bank Australia">Beyond Bank Australia</a></li> <li><a href="/wiki/Cairns_Bank" title="Cairns Bank">Cairns Bank</a></li> <li><a href="/wiki/Community_First_Bank" title="Community First Bank">Community First Bank</a></li> <li><a href="/wiki/Credit_Union_SA" title="Credit Union SA">Credit Union SA</a></li> <li><a href="/wiki/Cuscal" title="Cuscal">Cuscal</a></li> <li><a href="/wiki/Great_Southern_Bank" title="Great Southern Bank">Great Southern Bank</a></li> <li><a href="/wiki/Hume_Bank" title="Hume Bank">Hume Bank</a></li> <li><a href="/wiki/IMB_Bank" title="IMB Bank">IMB</a></li> <li><a href="/wiki/MyState" class="mw-redirect" title="MyState">MyState</a></li> <li>Newcastle Greater Mutual <ul><li><a href="/wiki/Greater_Bank" title="Greater Bank">Greater Bank</a></li> <li><a href="/wiki/Newcastle_Permanent" title="Newcastle Permanent">Newcastle Permanent</a></li></ul></li> <li><a href="/wiki/P%26N_Bank" title="P&N Bank">P&N Bank</a></li> <li><a href="/wiki/People_First_Bank" title="People First Bank">People First Bank</a> <ul><li><a href="/wiki/Heritage_Bank" title="Heritage Bank">Heritage Bank</a></li> <li><a href="/wiki/People%27s_Choice_Credit_Union" title="People's Choice Credit Union">People's Choice</a></li></ul></li> <li><a href="/wiki/Police_Bank" title="Police Bank">Police Bank</a></li> <li><a href="/wiki/Qudos_Bank" title="Qudos Bank">Qudos Bank</a></li> <li><a href="/wiki/Royal_Automobile_Club_of_Queensland" title="Royal Automobile Club of Queensland">RACQ Bank</a></li> <li><a href="/wiki/Regional_Australia_Bank" title="Regional Australia Bank">Regional Australia Bank</a></li> <li><a href="/wiki/Teachers_Mutual_Bank" title="Teachers Mutual Bank">Teachers Mutual Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Volt_Bank" title="Volt Bank">Volt Bank</a></li> <li><a href="/wiki/Xinja" title="Xinja">Xinja</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Foreign banks</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Arab_Bank" title="Arab Bank">Arab Bank</a></li> <li><a href="/wiki/Bank_of_China" title="Bank of China">Bank of China</a></li> <li><a href="/wiki/Bank_of_Beirut" title="Bank of Beirut">Bank of Beirut</a></li> <li><a href="/wiki/Heartland_Bank" title="Heartland Bank">Heartland Bank</a></li> <li><a href="/wiki/HSBC_Bank_Australia" title="HSBC Bank Australia">HSBC</a></li> <li><a href="/wiki/ING_Australia" title="ING Australia">ING</a></li> <li><a href="/wiki/Rabobank" title="Rabobank">Rabobank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Non-bank lenders</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aussie_(financial_group)" title="Aussie (financial group)">Aussie</a></li> <li><a href="/wiki/Latitude_Financial_Services" title="Latitude Financial Services">Latitude</a></li> <li><a href="/wiki/La_Trobe_Financial" title="La Trobe Financial">La Trobe Financial</a></li> <li><a href="/wiki/Mortgage_Choice" title="Mortgage Choice">Mortgage Choice</a></li> <li><a href="/wiki/Pepper_Money" title="Pepper Money">Pepper Money</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Bank_regulation" class="mw-redirect" title="Bank regulation">Regulators</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Australian_Securities_and_Investments_Commission" title="Australian Securities and Investments Commission">Australian Securities and Investments Commission</a></li> <li><a href="/wiki/Australian_Competition_%26_Consumer_Commission" class="mw-redirect" title="Australian Competition & Consumer Commission">Australian Competition & Consumer Commission</a></li> <li><a href="/wiki/Australian_Prudential_Regulation_Authority" title="Australian Prudential Regulation Authority">Australian Prudential Regulation Authority</a></li> <li><a href="/wiki/Australian_Payments_Council" title="Australian Payments Council">Australian Payments Council</a></li> <li><a href="/wiki/Australian_Payments_Network" title="Australian Payments Network">Australian Payments Network</a> <ul><li><a href="/wiki/New_Payments_Platform" title="New Payments Platform">New Payments Platform</a></li></ul></li> <li><a href="/wiki/Four_pillars_policy" title="Four pillars policy">Four pillars policy</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Inquiries</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"><a href="/wiki/Royal_Commission_into_Misconduct_in_the_Banking,_Superannuation_and_Financial_Services_Industry" title="Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry">Royal Commission 2017–2019</a></div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><a href="/wiki/Category:Banks_of_Australia" title="Category:Banks of Australia">Category:Banks of Australia</a></li> <li><a href="/wiki/Economy_of_Australia" title="Economy of Australia">Economy of Australia</a></li> <li><a href="/wiki/Financial_system_in_Australia" title="Financial system in Australia">Financial system in Australia</a></li> <li><a href="/wiki/List_of_banks_in_Australia" title="List of banks in Australia">List of banks in Australia</a></li></ul> </div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?useformat=desktop&type=1x1&usesul3=0" alt="" width="1" height="1" style="border: 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