A HARP research brief · fintech edition
Where Australian fintechs found their growth.
A ten-minute read on five Australian fintechs from different corners of the market, and the decision they had in common, written for CFOs, CEOs and founders.
Inside this brief
Five companies, and what they had in common.
How a startup charged more than the big four for the same EFTPOS terminal, and won 100,000 businesses off them.
How a challenger bank holds a richer margin than the rivals cutting rates to chase it.
Where these companies found their cheapest customers, and why it wasn't advertising.
Every figure has been checked against credible publicly available sources, including company results, ASX announcements, ASIC filings and RBA data. All companies have been anonymised.