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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE NEW ZEALAND EDITION 2026

New Zealand’s
fintech industry,
in focus.

The companies, capital and talent shaping fintech in New Zealand. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Fintech Industry Landscape of New Zealand
NZ
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Fintech illustration
Companies tracked 374Fintech ecosystem in New Zealand Disclosed funding $610.97M27 companies · all recorded rounds Companies hiring 11With open roles at the snapshot Tracked open roles 150 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore New Zealand’s fintech leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Fintech company highlights in New Zealand, snapshot 3 September 2026
Company
Harmoneyharmoney.co.nz$208.95M—169—
Laybuylaybuy.com$159.23M—43—
Sharesiessharesies.nz$65.08M—173—
Hnryhnry.co.nz$52.27M—100—
Easy Cryptoeasycrypto.com$28.75M—74—
First AMLfirstaml.com$27.34M—114—
Marloo$10M———
Doshdosh.nz$9.42M—9—
OrbitRemitorbitremit.com—5 roles35—
Cymonzcymonz.com—1 roles——
Hatchhatchinvest.nz—1 roles55—
Jasperjasper.io—1 roles26—
Lifetime Retirement Incomelifetimeincome.co.nz—1 roles14Financial figure available in RadarView in Radar
Paragonparagon.org.nz—1 roles——
UDCudc.co.nz—1 roles225—
Wychwych.io—1 roles6—
BlackBull Marketsblackbull.com————
Boosterbooster.co.nz——258—
Finance Nowfinancenow.co.nz——152—
Javlnjavln.com——95—
KlickExklickex.com————
LCTlct1.com——12—
NZX Wealth Technologiesnzxwt.com————
Pinnacle Lifepinnaclelife.co.nz——14Financial figure available in RadarView in Radar
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only

Explore the live startup set in Radar

No company example met every recorded classification, independence and public-profile gate in this snapshot. The live directory may have newer qualifying companies.

Explore classified startups in Radar ↗
THE KEY SIGNALS

Fintech industry KPIs in New Zealand

A few useful ratios bring the size of this ecosystem into perspective.

3 September 2026
Hiring participation2.9%

11 of 374 tracked companies have open roles.

Funding participation8.6%

32 of 374 tracked companies have a recorded round.

Top 3 funding share70.9%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$4.2M

Midpoint of 43 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 70.9% of disclosed capital, while 91.4% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How New Zealand fintech has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

New Zealand fintech
$0$48.59M$97.17M$145.76M$194.34M2016: $30.87M20162017: $4.84M20172018: $9.32M20182019: $33.14M20192020: $170.48M20202021: $123.7M20212022: $38.03M20222023: $25.86M20232024: $7.43M20242025: $18.19M2025
View the numbers
Annual fintech funding and company formation in New Zealand
YearFunding (USD)FoundedRaising
2016$30.87M262
2017$4.84M243
2018$9.32M293
2019$33.14M283
2020$170.48M265
2021$123.7M2110
2022$38.03M94
2023$25.86M93
2024$7.43M102
2025$18.19M22
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Harmoney34.2%
  • Laybuy26.1%
  • Sharesies10.7%
  • Other companies29.1%

Funding by stage

51 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel22 43.1%
Series A–B18 35.3%
Series C+ / PE4 7.8%
Grants, debt & other7 13.7%

Recent recorded rounds

Latest recorded rounds · USD
1 rounds

Swipe or scroll horizontally to browse.

Seed04/2026
Marloo $10M

Backed by Blackbird Ventures.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series B01/2023
Hnryhnry.co.nz$22.71M

Backed by AirTree and Athletic Ventures and others.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Expand panel +

Annual accounts availability

No reviewed exact national-ID connector has yet been qualified for New Zealand; this is a checked implementation boundary, not evidence that filings are absent.; No reviewed exact national-ID connector has yet been qualified for New Zealand; this is a checked implementation boundary, not evidence that filings are absent.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the New Zealand companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

6 of the 374 companies on this page carry a measured traffic record (1.6%); these are the largest of those, by monthly visits. The median among them is 143,884 visits.

CompanyMonthly visitsAuthorityMobile
Hatchhatchinvest.nz553,6483575.1%
PrezzyCardprezzycard.co.nz261,8634377.8%
Titan FXtitanfx.com161,4133942.2%
Sortedsorted.org.nz126,3554828.3%
Harmoneyharmoney.co.nz29,5373655%
emsTradepointemstradepoint.co.nz8,778280%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

30 of these companies (8%) publish at least one Android app — 38 apps in all, carrying 1.8M installs between them.

AppInstallsRatingStore category
Krispy Kreme South AfricaWiGroup International368.4K—Food & Drink
OrbitRemit Money TransferOrbitRemit332.5K3.7Finance
Snapper MobileSnapper262.9K4.1Maps & Navigation
GLOBUGGLOBUG157.9K—Tools
SquareOne - Youth MoneySquareOne128.1K—Finance
Q MastercardQ Mastercard117K—Finance
myKindoKindo93.8K—Shopping
Booster NZBooster71.1K—Finance
DoshDosh49.9K4.6Finance
BlackBull Markets cTraderblackbull markets35.4K—Finance

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2023Q1–2025Q4).

SegmentAppsInstallsLeading appRelease trend
Payments201.3MKrispy Kreme South Africa 368.4K
Digital Remittance3338KOrbitRemit Money Transfer 332.5K
Investment Tech10145KBooster NZ 71.1K
Cryptocurrencies8120.6KEasy Crypto Wallet: Buy BTC 32.8K
Forex Tech529.7KBlackBull Client Portal 20.9K
Alternative Lending229.3KMy Superloans 29.2K
Sme Business Management Software321.8KXplor Triib 21.7K
Nonprofit Tech21.4KMika Givingapp 1.3K

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

Release cadence by quarter

New apps published, beside apps whose most recent update landed in that quarter — the second bar is how much of the shelf is still being maintained.

2022Q4: 12022Q4: 02022Q42023Q1: 12023Q1: 02023Q12023Q3: 12023Q3: 12023Q32024Q1: 22024Q1: 02024Q12024Q3: 12024Q3: 22024Q32024Q4: 12024Q4: 02024Q42025Q1: 12025Q1: 12025Q12025Q2: 12025Q2: 12025Q22025Q4: 22025Q4: 22025Q4

Darker bars are new releases, lighter bars apps updated. 24 of 38 apps carry a release date. The series ends at 2025Q4, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The New Zealand fintech market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

New zealand tech333
Nbfc lenders102
Enterprise software85
Business payments solutions36
Saas36
Marketplaces33
Online trading platforms33
Commerce enablers29
Forex trading platforms24
Blockchain in financial services24
Fintech saas22
Internet first insurers21

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

New zealand tech

The largest measured segment in this report snapshot.

333companies
3.0%have hiring activity

10 companies hiring · $610.97M disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Commission on transaction268
Subscription183
Fee-for-service96
E-commerce - service87
Lending66
E-commerce - product16
Advertising14
Freemium6
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Mergers & acquisitionspaymark.co.nz ↗

Aussie paytech Cuscal has agreed a deal to buy New Zealand-based payments services provider Paymark from Worldline subsidiary Retail International Holding for up to AUD 33 million

Mergers & acquisitionsxplortechnologies.com ↗

Xplor Technologies today announced the successful close of its merger with Clubessential Holdings, marking the launch of a newly unified global company.

Mergers & acquisitionsjavln.com ↗

JAVLN says the acquisition follows its recent AUD $6 million capital investment and represents a ‘major step in expanding its insurance and financial services footprint across the APAC region’.

Funding roundshnry.co.nz ↗

Hnry, one of Australasia’s largest and fastest-growing digital accounting service for contractors, freelancers and sole traders, has secured more than $30m in an oversubscribed Series C round led by Movac.

Funding roundswych.io ↗

New Zealand fintech Wych has raised $1.32 million to accelerate open banking delivery in New Zealand and Australia.

Mergers & acquisitionswindcave.com ↗

An April 2025 Overseas Investment Office decision gave the Arizona-based Windcave LLC (also controlled by Cullen) permission to acquire Windcave Ltd.

Mergers & acquisitionssmartpayinvestor.com ↗

US payments provider Shift4 Payments will look to expand its global footprint with the proposed acquisition of New Zealand-based point-of-sale solutions firm Smartpay Holdings (ASX: SMP).

Earningspinnaclelife.co.nz ↗

Pinnacle Life (GHS 48 million, 34.7 per cent) is a Universal Life company.

Leadership movesnzxwt.com ↗

Josh Hunt has been appointed head of customer solutions.

Full recorded event mix

Top 7 categories among 53 recorded events in the 24-month window.

Leadership moves
26
Mergers & acquisitions
12
Funding rounds
7
Earnings
3
Contracts
3
Capital infusions
1
New products
1
3 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

8 tracked people moves

Jarrod McDonald

Appointment Head of Relationship Management

Josh Hunt

Appointment Head of Customer Solutions

Javln ↗
Cameron Ford

Appointment Chief Financial Officer

Booster ↗
Todd Ellis

Appointment Previously Vice President of Sales & Marketing

Javln ↗
Geoff Keast

Appointment Chief Revenue Officer

Javln ↗
Raymond Marshall

Appointment Chief Customer Officer

Sharesies ↗
Jacqueline (Jacki) Neumann

Appointment Head of Capital Markets

Product launches

Products, platforms and features in the recorded window

Javln ↗
JAVLN Platform – Unmand Marketplace Connectivity

Broker Operating System Integration

Contract wins

3 recorded customer wins

Akahu ↗

Customer: Westpac New ZealandOpen Banking

Invenco ↗

Customer: gate petroleum

Invenco ↗

Customer: Costco Wholesale Corporationfueling

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
cuscal limited→Paymark ↗Pending2026-06-30$27.0M
causal→Paymark ↗Announced2026-04-14Not stated in snapshot
Xplor→clubessential holdingsCompleted2026-03-30Not stated in snapshot
Javln→oitAnnounced2025-12-18Not stated in snapshot
Javln→oitAnnounced2025-12-18Not stated in snapshot
Javln→oitAnnounced2025-12-18Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

1 postings in the preceding 12 months. The full 2-posting snapshot covers 2 employers.

Expand panel +

Most advertised job titles

Finansøkonom I Praktik Til Personal Banking Sjællandsområdet Januar 20261
1 internship postings

0 tracked postings mention remote work.

Skills employers mention

Top skills across 2 tracked postings in the available jobs snapshot.

Automotive
1
B2B Software
1
Logistics
1
Insurance
1
Marketplace
1
Platform Solutions
1
Infrastructure Platforms
1
THE PEOPLE BUILDING THE FIELD

Founders and leaders

139 founders and chief executives across 111 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

6 profiles with education records.

Aalto University
1
Queen's University
1
University of Cambridge
1
Imperial College London
1
The University of Sydney
1
Melbourne Business School
1

Prior employers

2 profiles with prior-work records.

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

230,841 articles in the measured 12-month window.

Expand panel +
230,841articles in the measured year
59,291articles in 2026Q1
60.5%positive tone in the latest complete year

News volume trends

Fintech coverage across New Zealand · articles per complete quarter

021,27042,53963,80985,0782021Q2: 45,9642021Q22021Q3: 50,1982021Q4: 47,8172022Q1: 43,9082022Q2: 56,6522022Q22022Q3: 46,1552022Q4: 60,7352023Q1: 67,4672023Q2: 46,7792023Q22023Q3: 56,2692023Q4: 55,6022024Q1: 51,1682024Q2: 51,7312024Q22024Q3: 59,2682024Q4: 64,7962025Q1: 73,9812025Q2: 58,6042025Q22025Q3: 68,8732025Q4: 51,6912026Q1: 59,2912026Q1
View quarterly article counts
QuarterArticles
2021Q245,964
2021Q350,198
2021Q447,817
2022Q143,908
2022Q256,652
2022Q346,155
2022Q460,735
2023Q167,467
2023Q246,779
2023Q356,269
2023Q455,602
2024Q151,168
2024Q251,731
2024Q359,268
2024Q464,796
2025Q173,981
2025Q258,604
2025Q368,873
2025Q451,691
2026Q159,291

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
83,456 positive · 3,096 neutral · 65,279 negative
2022
118,347 positive · 5,283 neutral · 83,359 negative
2023
137,990 positive · 5,212 neutral · 82,359 negative
2024
134,905 positive · 4,893 neutral · 86,743 negative
2025
152,817 positive · 8,349 neutral · 91,510 negative

Leading coverage topics

Fintech coverage across New Zealand · ranked by full-period article count.

International Sports Competitions61,296 articles in the full recorded period
11,792 recent · 13,834 prior
Championship Event Highlights22,846 articles in the full recorded period
5,392 recent · 4,895 prior
Sports Injury Reports18,815 articles in the full recorded period
3,936 recent · 3,078 prior
Cricket Test Matches18,735 articles in the full recorded period
2,956 recent · 4,597 prior
Olympic Games Coverage17,984 articles in the full recorded period
2,655 recent · 5,188 prior
College Athletics News14,773 articles in the full recorded period
4,339 recent · 3,130 prior
Sports History And Legacy Stories14,672 articles in the full recorded period
3,233 recent · 3,000 prior
Professional League Updates13,741 articles in the full recorded period
3,384 recent · 2,268 prior
Sports Governance And Policy Changes11,694 articles in the full recorded period
1,962 recent · 1,993 prior
International Political Relations10,460 articles in the full recorded period
2,346 recent · 2,473 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Fintech coverage across New Zealand

KeywordRecentPriorChange
flood resilience627300109%
low-income banking482351277%
weather emergency44228555%
trade facilitation commitments441196125%
study overseas41925167%
rugby world cup qualifiers38522968%
floodplain management38021180%
overseas study37724256%
multilateral trade pact352165113%
cricket world cup qualifiers35122953%
test cricket2,3565,347-56%
test innings1,7354,237-59%
odi cricket1,4624,098-64%
limited overs cricket1,4474,060-64%
odi tactics1,3843,985-65%

Event and signal lenses

Fintech coverage across New Zealand

All complete annual cohorts shown
Rising

Regulatory Risk

258,703 classified articles

test cricket, odi tactics, test innings

38.1% critical · 26.9% positive
Rising

Funding Momentum

59,226 classified articles

inflation reports fx, odi world cup, icc world cup

34.4% critical · 30.7% positive
Rising

Growth

60,900 classified articles

inflation reports fx, gdp growth forex, currency intervention policies

32.5% critical · 41.1% positive

Fintech coverage across New Zealand. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Fintech research is working on

13,825 papers in the recorded worldwide scope.

Expand panel +
13,825papers
13,825worldwide comparison pool
—India-affiliated papers

Research orientation

Promising
4,450
Descriptive
3,501
Problem-identifying
3,141
Cautionary
1,411
Breakthrough
754
Comparative
414
Critical
154

Contribution mix

Empirical
8,354
Reviews
2,307
Position pieces
1,635
Methods-led
1,361
Theoretical
168

Tone counts: 12,714 positive · 252 neutral · 859 negative.

Common problems researchers identify
3,295 papers · 23.8% of this field
  • Financial services1,723 papers
  • FinTech1,301 papers
  • Financial inclusion570 papers
  • Payment489 papers
  • Government245 papers
  • Financial literacy205 papers
  • Cryptocurrency201 papers
  • Investment172 papers

Landmark: The digital revolution in financial inclusion: international development in the fintech era

Cautions
1,411 papers · 10.2% of this field
  • Financial services670 papers
  • FinTech538 papers
  • Financial inclusion348 papers
  • Payment283 papers
  • Financial literacy129 papers
  • Mobile payment102 papers
  • Digital currency95 papers
  • Investment91 papers

Landmark: Blockchain Technology in Finance

Opportunities
5,204 papers · 37.6% of this field
  • Financial services2,148 papers
  • FinTech1,839 papers
  • Financial inclusion1,123 papers
  • Financial literacy786 papers
  • Payment749 papers
  • Database transaction382 papers
  • Investment314 papers
  • Mobile payment301 papers

Landmark: On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services

Leading institutions

UNSW Sydney
743
University of Manchester
727
University of York
716
University of the West of England
716
Universidad de Zaragoza
685
Columbia University
667

Leading researchers

Robert J. Kauffman
1,822
Peter Gomber
1,821
Chris Parker
1,821
Bruce W. Weber
1,821
Daniela Gabor
716
Sally Brooks
716
Itay Goldstein
621
Wei Jiang
621

Highly cited breakthrough-labelled papers

  • On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services1,820 citations
  • Intention to use analytical artificial intelligence (AI) in services – the effect of technology readiness and awareness370 citations
  • The FinTech phenomenon: antecedents of financial innovation perceived by the popular press240 citations
  • FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana116 citations
  • CBDC, Fintech and cryptocurrency for financial inclusion and financial stability100 citations

Common problems researchers identify

10,570 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Financial Inclusion ChallengesCommon problems researchers identify · 01

Financial Inclusion Challenges

1,447 papers

24.1% of this theme group

Researchers discuss obstacles to broadening access to financial services through fintech innovations.

FinTech (679) · Financial services (885) · Financial inclusion (269) · Financial innovation (90)

Enriching Financial Inclusion through Fintech

DIGITAL TRANSFORMATION IN THE BANKING SYSTEM: PROSPECTS FOR COOPERATION BETWEEN FINTECH COMPANIES AND BANKS

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
Payment System LimitationsCommon problems researchers identify · 02

Payment System Limitations

1,364 papers

22.7% of this theme group

Papers highlight cost, security, and regulatory issues affecting electronic payment adoption.

Payment (1,251) · Payment system (509) · Payment service provider (217) · Settlement (86)

Better than Cash, but Beware the Costs: Electronic Payments Systems and Financial Inclusion in Developing Economies

ISSUES AND CHALLENGES OF ELECTRONIC PAYMENT SYSTEMS

View research history
YearShare index
2022590.9
2023562.2
2024710.5
2025799.0
Mobile Payment Adoption BarriersCommon problems researchers identify · 03

Mobile Payment Adoption Barriers

1,149 papers

19.1% of this theme group

Studies examine factors that hinder user acceptance and deployment of mobile banking services.

Mobile payment (869) · Mobile banking (220) · Mobile business development (111) · Mobile phone (135)

User Acceptance Testing of Mobile Payment in Various Scenarios

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

View research history
YearShare index
202277.6
202383.0
202482.8
2025139.8
Credit Card Fraud RisksCommon problems researchers identify · 04

Credit Card Fraud Risks

692 papers

11.5% of this theme group

Works focus on detection difficulties and security vulnerabilities in credit‑card transactions.

Credit card fraud (107) · Credit card (118) · Financial fraud (43) · Computer security (107)

Machine Learning for Credit Card Fraud Detection

Credit Card Fraud Detection and Analysis

View research history
YearShare index
202247.3
202347.0
202447.7
202563.6
Algorithmic Trading ConcernsCommon problems researchers identify · 05

Algorithmic Trading Concerns

585 papers

9.8% of this theme group

Research points to market impact, fairness, and regulatory gaps in high‑frequency trading.

Algorithmic trading (222) · High-frequency trading (148) · Alternative trading system (140) · Insider trading (79)

High-Frequency Trading and Its Impact on Markets

High-Frequency Trading: A Regulatory Strategy

View research history
YearShare index
202219.5
202320.0
202418.3
202531.1
Portfolio Optimization IssuesCommon problems researchers identify · 06

Portfolio Optimization Issues

404 papers

6.7% of this theme group

Authors address complexity, model risk, and data challenges in modern portfolio construction.

Portfolio (386) · Portfolio optimization (163) · Modern portfolio theory (70) · Post-modern portfolio theory (46)

Machine Learning Optimization Algorithms & Portfolio Allocation

Portfolio Optimization: New Challenges and Perspectives

View research history
YearShare index
2022315.6
2023306.6
2024225.8
2025345.9
Money‑Laundering ComplianceCommon problems researchers identify · 07

Money‑Laundering Compliance

359 papers

6.0% of this theme group

Papers explore legal and technical hurdles in detecting illicit financing while preserving inclusion.

Money laundering (320) · Terrorism (65) · Accounting (54) · Compliance (44)

National and international anti-money laundering law : developing the architecture of criminal justice, regulation and data protection

Balancing anti-money laundering measures and financial inclusion

View research history
YearShare index
20221897.3
20231880.1
20241584.8
20251002.7

Cautions

3,742 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Fintech Regulation for InclusionCautions · 01

Fintech Regulation for Inclusion

756 papers

20.2% of this theme group

Scholars urge careful policy design to balance innovation with systemic stability.

FinTech (412) · Financial services (449) · Financial inclusion (227) · Financial innovation (65)

The Role of Fintech Technology in Improving Financial Inclusion and Financial System Stability

Advancing Financial Inclusion through FinTech: A Regulatory Insight into Emerging Industry Practices

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
High‑Frequency Trading OversightCautions · 02

High‑Frequency Trading Oversight

579 papers

15.5% of this theme group

Analyses call for stronger rules to mitigate market quality and fairness concerns.

Algorithmic trading (254) · High-frequency trading (153) · Alternative trading system (102) · Trading strategy (117)

High Frequency Trading and Its Impact on Market Quality

Implementing High Frequency Trading Regulation: A Critical Analysis of Current Reforms

View research history
YearShare index
202219.5
202320.0
202418.3
202531.1
Payment System Transition RisksCautions · 03

Payment System Transition Risks

565 papers

15.1% of this theme group

Research warns of consumer impact and policy challenges when shifting payment models.

Payment (536) · Payment system (180) · Reimbursement (36) · Prospective payment system (34)

Hospital response to a new case-based payment system in China: the patient selection effect

Payments transition in India – consumer preferences and policy shifts

View research history
YearShare index
2022598.5
2023567.6
2024714.6
2025803.0
Portfolio Model UncertaintyCautions · 04

Portfolio Model Uncertainty

522 papers

13.9% of this theme group

Studies highlight statistical and econometric risks inherent in optimization techniques.

Portfolio (494) · Portfolio optimization (203) · Diversification (105) · Econometrics (109)

Model Risk in Portfolio Optimization

Optimization of portfolio management based on vector autoregression models and multivariate volatility models

View research history
YearShare index
2022318.1
2023308.9
2024228.0
2025346.6
Mobile Money User ExperienceCautions · 05

Mobile Money User Experience

496 papers

13.3% of this theme group

Works stress the need for usability and trust to ensure adoption in emerging markets.

Mobile payment (380) · Mobile banking (81) · Payment (228) · Mobile phone (39)

Mobile Money for Financial Inclusion

Understanding user experience of mobile money services in emerging markets

View research history
YearShare index
2022633.6
2023610.5
2024762.5
2025878.6
Financial Fraud Detection LimitsCautions · 06

Financial Fraud Detection Limits

495 papers

13.2% of this theme group

Reviews point out gaps in current AI methods for identifying diverse fraud types.

Accounting (63) · Money laundering (78) · Audit (50) · Credit card fraud (26)

A Review on Financial Fraud Detection using AI and Machine Learning

Use of Machine Learning in Financial Fraud Detection: A Review

View research history
YearShare index
20222207.7
20232190.6
20242016.5
20251778.7
Digital Currency SecurityCautions · 07

Digital Currency Security

329 papers

8.8% of this theme group

Papers assess cybersecurity and stability threats posed by cryptocurrencies and blockchain.

Digital currency (124) · Blockchain (71) · Cryptocurrency (95) · Currency (78)

Cybersecurity and Blockchain for Secure Financial Transactions: Evaluating, Implementing, and Mitigating Risks of Digital Payments

Public Payment Systems in the Digital Era: Responding to the Financial Stability and Security-related Risks of Cryptocurrencies

View research history
YearShare index
2022801.9
2023842.3
2024890.0
20251127.0

Opportunities

28,937 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Advanced Portfolio OptimizationOpportunities · 01

Advanced Portfolio Optimization

1,697 papers

28.3% of this theme group

Research explores new mathematical models and multi‑objective strategies for better asset allocation.

Portfolio (1,578) · Portfolio optimization (936) · Mathematical optimization (268) · Modern portfolio theory (157)

Application of portfolio optimization

The research on portfolio optimization model and strategy for multiple objectives

View research history
YearShare index
2022371.2
2023354.5
2024252.1
2025358.7
Machine‑Learning Fraud DetectionOpportunities · 02

Machine‑Learning Fraud Detection

1,066 papers

17.8% of this theme group

Studies demonstrate promising results using AI to identify credit‑card fraud patterns.

Credit card fraud (265) · Credit card (252) · Financial fraud (77) · Computer security (173)

Credit Card Fraud Detection using Machine Learning Algorithms

Analyzing Credit Card Fraud Detection based on Machine Learning Models

View research history
YearShare index
202247.3
202347.0
202447.7
202563.6
Fintech for Financial LiteracyOpportunities · 03

Fintech for Financial Literacy

778 papers

13.0% of this theme group

Works highlight how technology can empower underserved populations through education and access.

FinTech (338) · Financial services (366) · Financial inclusion (210) · Financial literacy (128)

ROLE OF FINTECH IN FINANCIAL INCLUSION

The Role of Financial Technology (FinTech) in Advancing Financial Inclusion and Equity.

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
Blockchain‑Enabled PaymentsOpportunities · 04

Blockchain‑Enabled Payments

756 papers

12.6% of this theme group

Papers propose secure, decentralized architectures to improve digital payment infrastructure.

Payment (623) · Payment system (247) · Database transaction (146) · Payment service provider (64)

Blockchain Based Architecture and Solution for Secure Digital Payment System

Measuring payment system development

View research history
YearShare index
2022733.2
2023686.3
2024781.6
2025930.9
Mobile Payment Value‑Added ServicesOpportunities · 05

Mobile Payment Value‑Added Services

723 papers

12.1% of this theme group

Research investigates additional features that boost consumer willingness to adopt mobile payments.

Mobile payment (555) · Payment (363) · Mobile banking (87) · Mobile device (52)

Value Added Services and Adoption of Mobile Payments

Exploring Transaction Security on Consumers’ Willingness to Use Mobile Payment by Using the Technology Acceptance Model

View research history
YearShare index
2022633.6
2023610.5
2024762.5
2025878.6
AI‑Driven Algorithmic TradingOpportunities · 06

AI‑Driven Algorithmic Trading

661 papers

11.0% of this theme group

Studies showcase advanced AI techniques for forecasting and executing high‑frequency trading strategies.

Algorithmic trading (282) · Trading strategy (267) · High-frequency trading (109) · Pairs trade (68)

Algorithmic Trading and Financial Forecasting Using Advanced Artificial Intelligence Methodologies

Foreign exchange trading

View research history
YearShare index
202232.4
202331.8
202425.0
202538.8
Machine‑Learning Credit ScoringOpportunities · 07

Machine‑Learning Credit Scoring

319 papers

5.3% of this theme group

Works develop predictive models to improve loan risk assessment and default probability estimation.

Credit risk (96) · Loan (65) · Credit score (19) · Probability of default (13)

Application Analysis of Credit Scoring of Financial Institutions Based on Machine Learning Model

Development Of Credit Scoring Model For Borrowers Using Machine Learning Techniques

View research history
YearShare index
2022254.2
2023254.9
2024182.2
2025261.3

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Promising32.2%37.2%
Descriptive25.3%17.5%
Problem-identifying22.7%9.6%
Cautionary10.2%4.4%
Breakthrough5.5%26.6%
Comparative3.0%3.7%
Critical1.1%1.0%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceIncentives for Mobile Crowd Sensing: A Survey2,7174.6%857 (31.5%)4.6%
Concentration of compute powerRent Seeking by Low-Latency Traders: Evidence from Trading on Macroeconomic Announcements1020.17%50 (49.0%)0.17%
Bias & fairnessSocietal bias reinforcement through machine learning: a credit scoring perspective830.14%31 (37.3%)0.14%
Labour & data workMobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy600.1%26 (43.3%)0.1%
Safety & misuseThe EU Response to Criminal Misuse of Cryptocurrencies: The Young, already Outdated 5th Anti-Money Laundering Directive500.08%21 (42.0%)0.08%
Energy & datacenter footprintAn integrated model of financial technology adoption and environmental performance: The role of green innovation290.05%5 (17.2%)0.05%
Hardware, e-waste & supply chainMobile Phone Repair as a Strategy for Reducing E-Waste, Enhancing Data Privacy, and Promoting Digital Sustainability in 30.01%0 (0.0%)0.01%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.0%0 (0.0%)0.0%
Water use00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.

DEMAND, SUPPLY & PLACE

Where demand signals run ahead of mapped supply — New Zealand

Compare demand signals in New Zealand’s newsflow with the fintech categories mapped to each signal.

Expand panel +
HOW TO READ THE GAP

Signal percentile − supply percentile = gap in percentile points. Positive gaps highlight questions to investigate. A high signal can reflect spending pressure or access friction, as well as potential demand.

The comparison is relative to the signal families on this page. A supply percentile of zero means the lowest relative reading, not zero companies. It is a prioritisation clue, not measured market size or unmet demand.

COMPARISON PERIOD2025-05-01 to 2026-05-01Against 2024-05-01 to 2025-05-01Explore the signals ↓

The opportunity, in one view

Signal and mapped-supply percentiles, their gap, and change in the signal’s article share.

Swipe horizontally to compare all columns →

4 New Zealand demand signals compared with mapped fintech supply
Signal familySignal percentileSupply percentileRelative gapGap (points)Signal share vs prior year
Financial inclusion ↗Demand Driver58.30.0+58.3—
Lending & credit access ↗Demand Driver100.050.0+50.0+2545.8%
Interest rates & policy ↗Macro Pressure16.750.0-33.3+25.3%
Layoffs & income shocks ↗Spending Pressure25.0100.0-75.0+52.2%

Showing all 4 signals. Select a family for its history and mapped categories.

Where the signals are loudest

All 12 city readings for these demand families in the comparison geography. New Zealand is highlighted.

Mentions per 10,000 articles

Each city’s reading is a share of its own coverage.

Maharashtra18479.0

Lending & credit access · Financial inclusion

Wellington100.9

Layoffs & income shocks · Interest rates & policy · Lending & credit access

Auckland40.9

Layoffs & income shocks · Interest rates & policy · Lending & credit access

Otago24.9

Layoffs & income shocks

West Coast23.2

Layoffs & income shocks

Northland20.4

Lending & credit access · Interest rates & policy · Financial inclusion

Southland10.0

Lending & credit access · Layoffs & income shocks

Nelson8.8

Lending & credit access · Financial inclusion

Canterbury8.6

Layoffs & income shocks · Interest rates & policy · Lending & credit access

Waikato5.7

Layoffs & income shocks

Manawatu Wanganui5.7

Layoffs & income shocks

Bay Of Plenty3.4

Interest rates & policy

Inside the leading signals

Open any signal for its quarterly history
DEMAND DRIVERFinancial inclusion+58.3percentile-point gap
THE OPERATING HYPOTHESIS

Inclusion pushes can pull low-cost payment and credit rails toward new users.

254.47mentions per 10,000 articles

Mapped fintech categories

  • Business Payments Solutions36

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of New Zealand coverage

Mentions per 10,000 articles · zero baseline

02605207791,0392024Q3: 02024Q32024Q4: 12024Q42025Q1: 02025Q12025Q2: 32025Q22025Q3: 9032025Q32025Q4: 12025Q42026Q1: 22026Q1
View quarterly signal counts
Financial inclusion in New Zealand coverage
QuarterMentionsPer 10,000 articles
2024Q310.44
2024Q441.68
2025Q110.37
2025Q2103.34
2025Q32444903.55
2025Q441.63
2026Q152.22

Where this signal concentrates in the comparison geography

Maharashtra9239.5 / 10,000
DEMAND DRIVERLending & credit access+50.0percentile-point gap
THE OPERATING HYPOTHESIS

Credit demand can pull origination, underwriting and collections capacity with it.

262.43mentions per 10,000 articles+2545.8%share change vs prior year

Mapped fintech categories

  • Nbfc Lenders102

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of New Zealand coverage

Mentions per 10,000 articles · zero baseline

02625237851,0462024Q3: 202024Q32024Q4: 62024Q42025Q1: 22025Q12025Q2: 112025Q22025Q3: 9092025Q32025Q4: 62025Q42026Q1: 82026Q1
View quarterly signal counts
Lending & credit access in New Zealand coverage
QuarterMentionsPer 10,000 articles
2024Q34820.92
2024Q4166.73
2025Q172.61
2025Q23411.37
2025Q32461909.83
2025Q4176.94
2026Q1198.43

Where this signal concentrates in the comparison geography

Maharashtra9239.5 / 10,000
Wellington25.4 / 10,000
MACRO PRESSUREInterest rates & policy-33.3percentile-point gap
THE OPERATING HYPOTHESIS

Rate moves can reprice every loan book — lending and deposit products feel it first.

26.78mentions per 10,000 articles+25.3%share change vs prior year

Mapped fintech categories

  • Nbfc Lenders102

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of New Zealand coverage

Mentions per 10,000 articles · zero baseline

091726352024Q3: 302024Q32024Q4: 212024Q42025Q1: 162025Q12025Q2: 142025Q22025Q3: 242025Q32025Q4: 192025Q42026Q1: 242026Q1
View quarterly signal counts
Interest rates & policy in New Zealand coverage
QuarterMentionsPer 10,000 articles
2024Q36930.08
2024Q45221.87
2025Q14416.4
2025Q24314.38
2025Q36624.4
2025Q44819.6
2026Q15524.4

Where this signal concentrates in the comparison geography

Wellington26.7 / 10,000
Auckland10.5 / 10,000
SPENDING PRESSURELayoffs & income shocks-75.0percentile-point gap
THE OPERATING HYPOTHESIS

Layoff cycles can pull discretionary spend back toward value offerings.

23.89mentions per 10,000 articles+52.2%share change vs prior year

Mapped fintech categories

  • Nbfc Lenders102
  • Business Payments Solutions36
  • Internet First Insurers21

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of New Zealand coverage

Mentions per 10,000 articles · zero baseline

091928382024Q3: 222024Q32024Q4: 152024Q42025Q1: 162025Q12025Q2: 72025Q22025Q3: 272025Q32025Q4: 212025Q42026Q1: 322026Q1
View quarterly signal counts
Layoffs & income shocks in New Zealand coverage
QuarterMentionsPer 10,000 articles
2024Q35122.23
2024Q43715.56
2025Q14516.77
2025Q2217.02
2025Q37427.36
2025Q45221.23
2026Q17432.82

Where this signal concentrates in the comparison geography

Wellington48.8 / 10,000
RESEARCH & CHANGING CONVERSATIONS

Related research and changing coverage

New Zealand fintech coverage

Expand panel +
RESEARCH CONTEXT · 2018

Social Engineering Attacks and Countermeasures in the New Zealand Banking System: Advancing a User-Reflective Mitigation Model

Information

60 citations in the snapshot

RESEARCH CONTEXT · 2018

Sports-related injuries in New Zealand: National Insurance (Accident Compensation Corporation) claims for five sporting codes from 2012 to 2016

British Journal of Sports Medicine

39 citations in the snapshot

RESEARCH CONTEXT · 2019

Injury Risk in New Zealand Rugby Union: A Nationwide Study of Injury Insurance Claims from 2005 to 2017

Sports Medicine

35 citations in the snapshot

RESEARCH CONTEXT · 2019

Comparing earthquake insurance programmes: how would Japan and California have fared after the 2010–11 earthquakes in New Zealand?

Disasters

31 citations in the snapshot

What is growing in this coverage

New Zealand coverage of this page's demand families

KeywordRecent articlesPrior articlesShare change
headline inflation584538.4%
monetary easing16613730.1%
cpi trends6775-4.1%

Share changes describe coverage in the stated comparison periods, not search demand or market size.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

Expand panel +
8 cards

Swipe or scroll horizontally to browse.

UNDERSTAND THE LANDSCAPE

Fintech in New Zealand: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put New Zealand in context

All landscapes ↗

Company ecosystem snapshot: 3 September 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
Coming soon