About Map

The FinTech Australia Ecosystem Map is aimed to define and categorise the diverse fintech ecosystem in Australia. This free to sign-up and/or use comprehensive interactive map lists all fintechs in Australia and allows any stakeholder to evaluate the sector by categories and headquarters location. With this map, we aim to become a collaborative platform whereby industry participants can actively review, update, and share their publicly available information.

Fintechs – both members of FinTech Australia and non-members can sign up to the map to manually update their information. To be eligible to be listed on the map, you must be a registered fintech in Australia.

Steps to be listed on the map

  1. Visit website and click on Join Now
  2. Enter your details and submit the information. Once you have signed up, check your inbox for a mail from hello@fintechaustralia.org.au to set your password
  3. Now Login using your registered email address and newly set password
  4. Click on Add/update Company Profile and enter the required information
  5. Submit the filled-in form and be listed on the map

PLEASE NOTE: Sections including company logo, company website URL and location are mandatory sections

Fintech Taxonomy

FinTech Australia has referred to the Cambridge FinTech Ecosystem Atlas when categorising and defining the fast evolving fintech industry. Fintechs that sign up, get to choose from the same list of catgories, sub-categories and segments. The interactive map displays these results.

Below is the full classification and definition for the organisations to tag the appropriate category, sub-category and segments that their services are defined under.

 Classification Terms & Definitions


Vertical (Category)

Level 1 (sub-Category)

Level 2 (Segment)


Digital Lending

Balance Sheet Lending

Balance Sheet Business Lending

The platform entity provides an unsecured or secured loan directly to the business borrower

Balance Sheet Property Lending

The platform entity provides a loan, secured against a property, directly to a consumer or business borrower

Balance Sheet Consumer Lending

The platform entity provides an unsecured or secured loan directly to a consumer borrower

P2P / Marketplace Lending

P2P / Marketplace Business Lending

Individuals and/or institutional funders provide a loan to a business borrower

P2P / Marketplace Property Lending

Individuals and/or institutional funders provide a loan, secured against a property, to a consumer or business borrower

P2P / Marketplace Consumer Lending

Individuals and/or institutional funders provide a loan to a consumer borrower

Debt-Based Securities

Debt-Based Securities

Individuals and/or institutional funders purchase debt-based securities, typically a bond or debenture, at a fixed interest rate


Individuals or institutions purchase securities from companies in the form of an unsecured bond which is ‘mini’ because the issue size is much smaller than the minimum issue amount needed for a bond issued in institutional capital markets.

Invoice Trading

Individuals and/or institutional funders purchase invoices or receivables from a business at a discount

Crowd-Led Microfinance

Interests and/or other profits are re-invested (forgoing the interest by donating) or provides microcredit at lower rates.

Customer Cash-Advance

A buy now/pay later payment facilitator or Store Credit solution, typically interest bearing

Merchant Cash-Advance

A merchant cash advance provided via an electronic platform, typically with a retail and/or institutional investor counterpart receiving fixed payments or future payments based on sales.

Digital Capital Raising

Investment-Based Crowdfunding

Equity-Based Crowdfunding

Individuals and/or institutional funders purchase equity issued by a company

Revenue / Profit Share Crowdfunding

Individuals and/or institutions purchase securities from a company, such as shares, and share in the profits or royalties of the business

Real Estate Crowdfunding

Individuals and/or institutional funders provide equity or subordinated debt financing for real estate

Community Shares

Raising money by offering a local community a chance to own shares in a community-local organisation

Capital Raising Retail Brokerage

Raising money on behalf of a client form a retail audience in exchange for a commission

Capital Raising Institutional Brokerage

Raising money on behalf of a client form a institutional audience in exchange for a commission

Non Investment-Based Crowdfunding

Donation-Based Crowdfunding

Donors provide funding to individuals, projects or companies based on philanthropic or civic motivations with no expectation of monetary or material

Reward-Based Crowdfunding

Backers provide funding to individuals, projects, or companies in exchange for non-monetary rewards or products

Token Hosting Platform

Platform (most often exchanges) offering to host a token sale selected against a set of criteria

Digital Banks


Fully Digitally Native Bank (Retail)

Provide banking services to individual consumers exclusively through digital platforms

Marketplace Bank (Retail)

Banking provider offers products and services from a range of providers including its own to individual consumers


Fully Digitally Native Bank (MSME)

Provide banking services to businesses exclusively through digital platforms

Marketplace Bank (MSME)

Banking provider offers products and services from a range of providers including its own to businesses


Banking-as-a-Service (BaaS)

An end-to-end process that allows other organisations to set up and offer digital banking services


Agent Banking (Cash-In / Cash-Out)

Performs services in some capacity on behalf of another banking entity

Digital Savings


Digital Money Market / Fund

Allows fundraising through the selling of short-term debt which can be bought by investors

Digital Micro Saving Solutions

Small savings opportunities identified within individuals existing budget and automatically put money into a savings account to encourage positive behavioural change

Digital Savings Collective / Pool

Members pay into a common platform and contributions are pooled for issuing loans. Interest from the loans shared among the members

Savings-as-a-Service (SaaS)

An end-to-end process that allows other organisations to set up and offer saving services

Digital Payments

Payment Services

Digital Remittances (Cross Border-P2P)

Provide cross-border remittances services

Digital Remittances (Domestic-P2P)

Provide domestic remittances services

Money Transfer (P2P / P2B / B2P / B2B)

Provide digital means of payment to access and utilize funds stored in an account (e.g. Virtual debit/credit card, Wallet)

eMoney Issuers

Issue electronic funds and provide digital means of payment to access and use those funds (e.g. Virtual prepaid card, E-Money)

Mobile Money

Use of a mobile phone in order to transfer funds between banks or accounts, deposit or withdraw funds or pay bills

Acquiring Services Providers for Merchants

Provide means for the acceptance of digital payments by merchants

Points of Access (PoS / mPoS / Online PoS)

Provide hardware or software to capture payment transactions to transmit to a network

Bulk Payment Solutions

Provides payments to multiple beneficiaries from a single transaction

Top-ups & Refills

Provider facilitating the top-ups or refill of various products and services such as mobile phone contracts

Backend Services

Payment Gateways

Provides digital payment acceptance services on behalf of multiple acquirers to integrate different types of digital payments mechanisms/instruments

Payment Aggregators

Collect payments on behalf of multiple merchants and accept different digital payments instruments

API Hubs for Payments

Integrate different online payment services through a unified API service


Settlement & Clearing Services Providers

Manage and operate digital platforms where different entities exchange funds on their behalf or on behalf of their customers

Cryptoasset Payments

Money Transfer (Cryptoasset)

Provides means of payment to access, utilise, and transfer funds for various use cases (e.g. remittances, bill payments)

Consumer Spending

Provides debit card or other ways for consumers to spend their cryptoassets

Top-ups & Refill (Cryptoasset)

Provider facilitating the top-ups or refill of various products and services (e.g. mobile contract, prepaid card)

Payment Processor

Provides services for the processing of electronic transactions

Points of Access (Cryptoasset)

Provides hardware or software to capture payment transactions to transmit to a network (PoS, mPoS, on-line PoS)

Stablecoin Issuance

Asset-Backed Stablecoin

Issues tokens whose value is pegged to the value of an asset or a basket of assets

Algorithmic Stablecoin

Issue token whose market value is maintained using algorithmic means




Central limit order book using a trading engine to match buy and sell spot orders from users

Decentralised Exchange (DEX) Relayer

Peer-to-peer relay exchange built on top of a public blockchain

Single Dealer Platform / OTC Trading

Provider enabling clients to engage in bilateral trades outside of formal trading venues

Trading Bots

Platform using an algorithm to optimise trading strategies

High-Frequency Trading (HFT) Services

Provider enabling automated market-making and arbitrage strategies

Advanced Trading Services

Services allowing users to buy portfolio bundles and get access to more sophisticated trading tools (e.g. margin, derivatives)

Intermediation & Brokerage

Retail Brokerage Services

Platform allowing users to acquire and/or sell cryptoassets at fixed prices and submit orders

Institutional Brokerage Services

Service providers executing trade orders on behalf of their institutional clients


Platform aggregating prices to facilitate trade selection for consumers

Other Financial Transaction Processing

Bitcoin Teller Machines (BTM)

Machine allowing users to buy and sell cryptoassets in exchange for physical cash

P2P Cryptoasset Marketplaces

Buyer and seller matching platform often coupled with cryptocurrency escrow services


Transmitting, reconciling and, in some cases, confirming transfer orders from the time a commitment for a transaction is made until it is settled

Digital Custody

Institutional Custody

Third-Party Custody

Fully-managed custody solutions often using an omnibus model

Co-Managed Custody

Sophisticated custody solutions using multi-party computation (MPC), often associated with a ‘walled garden’ setup/closed environment

Retail Custody

Hardware Cryptoasset Wallet

Small devices that securely store private keys without exposing them to connected machines

Unhosted Cryptoasset Wallet

Non-custodial applications that store cryptoassets on a device (e.g. mobile, desktop, tablet)

Hosted Cryptoasset Wallet

Custodial applications that store cryptoassets on a device (e.g. mobile, desktop, tablet) or that can be accessed from any connected device via a browser

eMoney Wallet

Online applications that can be accessed from any connected device via a browser


Key Management Services

Providers offering technology infrastructure to self-custody their cryptoassets



Usage-Based Insurance

Premiums or level of cover are determined by usage behaviour

Parametric-Based Insurance

Compensates policy holders automatically based on pre-defined triggers associated with losses

On-Demand Insurance

Insurance is extended in real-time for a specific risk event and duration

P2P Insurance

Risk-sharing network where a group of individuals pool premiums

Technical Service Provider (TSP)

Enables distribution partnerships with MNOs, virtual market places and other consumer aggregation points

Digital Brokers or Agents

Allows users to buy insurance cover, underwritten by one or multiple insurers

Comparison Portal

Compares insurers and insurance options to facilitate policy selection


Customer Management

Supports insurers in managing customer acquisition

Claims & Risk Management Solutions

Supports insurers in risk management and the processing digital claims

IoT (including Telematics)

Remote devices connected to insurance services


Asset Management

Digital Wealth Management

Online platforms to supply and provide asset management services

Social Trading

Platforms that provide investment advice through a social network


Asset management automated solutions based on algorithms or artificial intelligence

Pension-Led Funding

Enabling companies to borrow funds from a company director’s personal pension, which are then paid back with interest

Robo Retirement / Pension Planning

Robo-advisors use algorithms and machine learning to offer pension advice

Personal Financial Services

Personal Financial Management / Planning

Allows the ability to understand and effectively apply various financial skills, including personal financial management, budgeting, and investing

Financial Comparison Sites

Online and mobile platforms comparing financial products



Profiling & Due Diligence

Collects and integrates data from multiple sources to build a profile of a person or entity to allow identity confirmation and categorisation according to regulation


Blockchain Forensics

Captures and records key biographical attributes such as location of birth for identification, BF: Monitors customer deposits and withdrawals for signs of “tainted” coins that may have been involved in criminal activity

Risk Analytics

Uses big data to assess the risk of fraud, market abuse or other misconduct at the transaction level

Dynamic Compliance

Facilitates and monitors regulatory changes to ensure that policies and controls adapt seamlessly to changing requirements

Regulatory Reporting

Reporting and Dashboards

Market Monitoring

Matches market-level outcomes to regulatory or internal rules to, for example, identify poor product performance

Alternative Credit Analytics


Psychometric Analytics

Connects an individual’s personality type and behaviour with a credit or insurance product

Sociometric Analytics

Analyzes social communication patterns with social sensing technology to drive innovative transformation services

Biometric Analytics

Discovers patterns within biometric signals to ascertain potentially valuable information about a person such as emotional state or longevity.

Alternative Credit Rating Agency

Issues corporate ratings on corporate issuers not considered a financial institution or insurance undertaking

Credit Scoring

Helps lenders see the true creditworthiness of their customers by removing unconscious biases and adding much-needed nuance to credit applications.

Digital Identity


Security & Biometrics

Captures and records key biometric attributes such as fingerprints for identification

KYC Solutions

Supports companies by verifying the identity of their clients (to comply with laws & regulations)

Fraud Prevention & Risk Management

Aims to prevent theft and misuse of personal data

Tech. for Enterprise


API Management

The process of creating and publishing web application programming interfaces (APIs) by, for example, enforcing their usage policies and analyzing usage statistics

Cloud Computing

The on-demand availability of computer system resources, especially data storage (cloud storage) and computing power, without direct active management by the user


Artificial Intelligence/ Machine Learning/ Natural Language Processing

Enterprise Blockchain

The features of blockchain technology that will solve major enterprise problems

Financial Management & Business Intelligence

Business intelligence tools that help finance professionals gain insight in internal and the external factors that affect the bottom line

Digital Accounting

The formation, representation and transmission of financial data in an electronic format


Electronic Invoicing

A form of electronic billing to allow collection of payment

Consensus Services


Hardware Manufacturing

Entities designing and building component of mining equipment (e.g. chip, GPU, ASIC)

Remote Hosting Services

Services hosting and maintaining customer-owned mining equipment

Cloud Mining

Services renting out hashpower generated by their own machines to consumers for a fixed period of time

Hashrate Brokerage

Marketplace connecting sellers of hashpower (hashers) with buyers

Proprietary Hashing

Miners operating mining equipment on their own behalf

Pool Operation

Services combining computational resources from multiple hashers and distributing rewards

Equipment Procurement & Financing

Services facilitating the sale and/or financing of mining equipment

Firmware & Software Development

Entities developing software or firmware for mining



Third-party offering services to pool stakeholders’ staking capacity and participate in the validation process on their behalf

An organisation is classified in a category when its service offerings meet the definition of that category. The classification process is not exclusive, i.e. one organisation might fall under multiple categories when it offers more than one service. This approach ensures uniformity of entity classification over time.