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 ↗
Sydney’s
fintech industry,
in focus.
The companies, capital and talent shaping fintech in Sydney. Find the leaders. Understand the segments. See where the activity is.

An industry ecosystem,
measured in context.
MEET THE COMPANIESExplore Sydney’s fintech leaders
24 featured companies from the funding, hiring, revenue and team-size leaderboards.
Expand panel +
Explore Sydney’s fintech leaders
24 featured companies from the funding, hiring, revenue and team-size leaderboards.
Company discovery
Recorded evidence onlyExplore 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 ↗Fintech industry KPIs in Sydney
A few useful ratios bring the size of this ecosystem into perspective.
19 of 742 tracked companies have open roles.
137 of 742 tracked companies have a recorded round.
Share of disclosed capital received by the three largest recorded recipients.
Midpoint of 227 rounds with a disclosed amount.
Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 18.5% of disclosed capital, while 81.5% of tracked companies have no recorded funding round.
Explore the segments →CAPITAL & COMPANY FORMATIONHow Sydney fintech has grown
Recorded company formation and disclosed funding across the complete annual series shown.
Expand panel +
How Sydney fintech has grown
Recorded company formation and disclosed funding across the complete annual series shown.
Disclosed funding by year
Sum of recorded funding rounds · USD
View the numbers
| Year | Funding (USD) | Founded | Raising |
|---|---|---|---|
| 2016 | $88.2M | 62 | 20 |
| 2017 | $176.06M | 51 | 16 |
| 2018 | $328.15M | 45 | 14 |
| 2019 | $342.68M | 53 | 21 |
| 2020 | $633.18M | 48 | 20 |
| 2021 | $725.89M | 36 | 36 |
| 2022 | $360.1M | 27 | 26 |
| 2023 | $255.6M | 18 | 18 |
| 2024 | $501.42M | 18 | 15 |
| 2025 | $177.74M | 6 | 7 |
Funding concentration
Share of all disclosed company funding.
- Brighte7.3%
- Marketlend5.9%
- Synthetix5.3%
- Other companies81.5%
Funding by stage
267 recorded rounds since 2016
Investors appearing most often
Recorded participation in fintech company rounds since 2016.
- 01AirTree 17 rounds
- 02National Australia Bank 8 rounds
- 03Grok Ventures 8 rounds
- 04Reinventure Group 8 rounds
- 05Square Peg Ventures 7 rounds
- 06Perennial 7 rounds
- 07Carthona Capital 7 rounds
- 08H2 Ventures 7 rounds
- 09Apex Capital 5 rounds
- 010NAB Ventures 5 rounds
Recent recorded rounds
Latest recorded rounds · USDBacked by Five V Capital.
Backed by Goldman Sachs Asset Management and Bain Capital Ventures and others.
Backed by Epic Angels.
Largest and notable recorded rounds
Each card is one recorded roundBacked by Goldman Sachs Asset Management and Bain Capital Ventures and others.
Backed by Gallatin Point Capital.
Backed by Grok Ventures and Qualgro and others.
Backed by AirTree and Macquarie and others.
Participating investors were not recorded in this snapshot.
Backed by Avenir Growth Capital and Regal Funds Management and others.
Backed by Tiger Global Management and Mike Cannon-Brookes and others.
Backed by The Carlyle Group and Ironbridge and others.
Backed by Smash Capital and BlackRock and others.
Backed by DST Global and Tiger Global Management.
THE BUSINESS BEHIND THE ACTIVITYRevenue, profitability & financial strength
Expand panel +
Revenue, profitability & financial strength
Annual accounts availability
The measured Australia identity-to-filing probe did not produce a qualifying designated legal or national-ID join: bare ticker overlaps lack a recorded ASX exchange designation and are not designated legal or national identifiers.; The measured Australia identity-to-filing probe did not produce a qualifying designated legal or national-ID join: bare ticker overlaps lack a recorded ASX exchange designation and are not designated legal or national identifiers.
Web traffic, app reach and release cadence
How the Sydney companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.
Busiest websites
30 of the 742 companies on this page carry a measured traffic record (4%); these are the largest of those, by monthly visits. The median among them is 162,271 visits.
| Company | Monthly visits | Authority | Mobile |
|---|---|---|---|
| Zipzip.co | 5,889,619 | 56 | 90.8% |
| Deferitdeferit.com | 3,906,389 | 35 | 97.6% |
| CommSeccommsec.com.au | 2,218,836 | 51 | 20.5% |
| Finderfinder.com | 1,594,624 | 58 | 83.9% |
| Hantec Marketshmarkets.com | 550,247 | 38 | 60.1% |
| InDebtedindebted.co | 462,178 | 39 | 94.1% |
| Restrest.com.au | 396,377 | 44 | 60.1% |
| Home Loan Expertshomeloanexperts.com.au | 330,438 | 34 | 5% |
| Unloanunloan.com.au | 266,855 | 36 | 76.9% |
| Plentiplenti.com.au | 250,921 | 42 | 51.8% |
Visits and authority are third-party web estimates, not company-reported figures.
Most-installed apps
100 of these companies (13.5%) publish at least one Android app — 138 apps in all, carrying 22.3M installs between them.
| App | Installs | Rating | Store category |
|---|---|---|---|
| ZipZip | 6.8M | 4.8 | Shopping |
| Zip - Shop Now, Pay LaterZip | 2.8M | 3.8 | Finance |
| CommSecCommSec | 1.2M | 3.4 | Finance |
| VT Markets - Trading AppVT Markets | 1.1M | 4.4 | Finance |
| Deferit: Split Bills, Pay in 4Deferit | 970.7K | 4.5 | Finance |
| Beforepay: Borrow up to 5000Beforepay | 861.7K | — | Finance |
| Raiz | Earn, Save & InvestRaiz Invest Australia | 852.9K | — | Finance |
| Rest SuperRest | 758.2K | — | Finance |
| SpriggySpriggy | 644.2K | — | Education |
| FlexischoolsFlexiSchools | 570.2K | — | Education |
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 (2024Q1–2026Q2).
| Segment | Apps | Installs | Leading app | Release trend |
|---|---|---|---|---|
| Alternative Lending | 27 | 12.9M | Zip 6.8M | |
| Investment Tech | 40 | 5.5M | CommSec 1.2M | |
| Payments | 38 | 2.4M | Spriggy 644.2K | |
| Hrtech | 10 | 1.4M | Beforepay: Borrow up to 5000 861.7K | |
| Internet First Insurance Platforms | 9 | 903.6K | Rest Super 758.2K | |
| Employee Health It | 3 | 846.5K | Humanforce Thrive 60.4K | |
| Insurance It | 7 | 763.8K | Hello Live 3.6K | |
| K-12 Edtech | 4 | 600.3K | Flexischools 570.2K |
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.
Darker bars are new releases, lighter bars apps updated. 77 of 138 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.
INSIDE THE INDUSTRYThe Sydney fintech market map
Explore the segments behind the headline numbers.
Expand panel +
The Sydney fintech market map
Explore the segments behind the headline numbers.
Where companies are building
Rank segments by scale, hiring or disclosed funding.
Companies can sit in several segments. Counts and funding overlap.
Enterprise tech
The largest measured segment in this report snapshot.
10 companies hiring · $2.67B disclosed funding
Explore in RadarHow companies make money
Common revenue models; a company can use more than one.
THE COMPANIES IN MOTIONWho is listing, hiring leaders, launching and winning work
Recorded corporate activity linked to companies in this landscape.
Expand panel +
Who is listing, hiring leaders, launching and winning work
Recorded corporate activity linked to companies in this landscape.
Recent corporate headlines 10 dated reports
In March, the broker acquired Link Group in an $80m deal, adding a North American crude and derivatives brokerage and data business to its platform.
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
UK-based analytics startup WholeSum has raised a total of $1.3 million in pre‑seed funding, including a new $335,000 investment from Love Ventures, Beamline, and strategic angel investors.
Valiant (ASX: VAL) lists on the ASX following completion of its significantly oversubscribed IPO – raising $75M (before costs) through the issue of 300M shares at $0.25 per share.
Last month, quick commerce enablement platform Inamo raised $8 Mn in a round led by Prime Venture Partners.
Yard – Developer of autonomous robotic workforce solutions for outdoor maintenance.
Tyro is buying NAB-backed rising star FinTech Thriday. The deal is set to be complete in January 2026, as part of its strategy to expand integrated banking, payments, and cash-flow solutions.
Perth fintech Bless Payments raised $3.75 million in seed funding in mid‑2025.
Brighte, an Australian FinTech specialising in household energy financing, has secured up to $40m from the Clean Energy Finance Corporation (CEFC).
United Fintech, the digital transformation group for financial institutions, has acquired Trade Ledger, the pioneering technology company behind an AI-powered solution that automates commercial and business lending.
Full recorded event mix
Top 10 categories among 230 recorded events in the 24-month window.
IPO pipeline
2 companies with recorded IPO activity
Leadership moves
27 tracked people moves
Appointment Non-Executive Director and Chair of the Remuneration and Nomination Committee
Resignation Founder
Promotion Chief Operations Officer
Appointment Deputy Chief Executive Officer
Appointment UK Managing Director
Appointment Chief Marketing Officer
Appointment AI transformation lead
Appointment Chief Marketing Officer
Product launches
Products, platforms and features in the recorded window
Contract wins
4 recorded customer wins
Workforce actions
2 companies with reported reductions
54 rolesAI automation
Scale not stated roles
Regulatory events
1 recorded events
cleared acquisitionAustralian Competition and Consumer Commission (ACCC)
Litigation
4 tracked suits
injunctive relief over cessation of direct carrier billing servicesCivil · Filed
injunction to halt acquisition of YodelCivil · Ongoing
Earnings pulse
Reported company results in the recorded window.
Median across 37 reported growth observations; companies may contribute multiple periods.
Mergers and acquisitions
Company-linked deal reports; status is preserved as recorded.
| Acquirer → target | Status | Date | Value / context |
|---|---|---|---|
| clarksons→Link Group ↗ | Announced | 2026-05-01 | $80.0M |
| Cuscal→paymark | Announced | 2026-04-14 | Not stated in snapshot |
| Tyro→NAB-backed rising star FinTech Thriday | Announced | 2025-12-19 | Not stated in snapshot |
| united fintech→Trade Ledger ↗ | Completed | 2025-11-05 | Not stated in snapshot |
| Vela Latam→Shift ↗ | Completed | 2025-09-01 | Not stated in snapshot |
| Cuscal→Indue Limited | Announced | 2025-08-24 | $75.0M |
A discussion or rumour is not a completed transaction. An unstated value is not zero.
PEOPLE & OPPORTUNITYThe talent market
11 postings in the preceding 12 months. The full 17-posting snapshot covers 7 employers.
Expand panel +
The talent market
11 postings in the preceding 12 months. The full 17-posting snapshot covers 7 employers.
Most advertised job titles
No repeated job title is supported by this snapshot.
0 tracked postings mention remote work.
Skills employers mention
Top skills across 17 tracked postings in the available jobs snapshot.
Companies hiring
Large employers
THE PEOPLE BUILDING THE FIELDFounders and leaders
440 founders and chief executives across 336 companies.
Expand panel +
Founders and leaders
440 founders and chief executives across 336 companies.
Katherine Mcconnell
Brighte ↗Minerva Network, ex-Macquarie Bank, ex-Macquarie, Australian Institute of Company Directors, 2023
Leo Tyndall
Marketlend ↗ex-UniCredit Bank AG, NATIONAL AUSTRALIA BANK, RAMS. Bond University.
Wayne Johnson
Encompass ↗Ex-EHealthCare, Software Associates · University of Sydney 1984
David Verschoor
Dynamoney ↗remara, R-Squared Capital, Rous Investments. UNSW BS 1992, Macquarie University MS 1998
Nathan Walsh
Athena ↗Athena Home Loans, ex-National Australia Bank, ex-Citigroup Global Wealth Management, Columbia Business School, 2001
Beau B
Prospa ↗Prospa, ex-Find More, ex-Flexigroup, University of Sydney, 2005
Larry Diamond
Zip ↗Ex-Diamond Capital Partners, Macquarie Group, Pacific Brands. University of Technology Sydney 2003, UNSW 2007
Richard Joffe
Honey Insurance ↗Ex-Stella Jobs, Park Assist, McKinsey. Ivey Business School at Western University HBA 2002
Steve Weston
Volt ↗Ex-OurMoneyMarket, Barclays, National Australia Bank, St.George Bank. Southern Cross University MBA 1999
Scott Collison
Midkey ↗Ex-Alceon, Banner Asset Management, Franklin Templeton Investments, Orvent Asset Management. The University of Western Australia 1989
Josh Foreman
InDebted ↗Ex-Co-Founder Pocket, Consultive Training, Qantas · UOW 2011Sydney Business School MBA 2013
Jon Howie
Stake ↗Stake, ex-Xtb Exchange Traded Corporate Bond Units, ex-Vgi Partners, Macquarie University, 2010
Education networks
34 profiles with education records.
Prior employers
10 profiles with prior-work records.
Profiles cover recorded founders and leaders; contact details remain in Radar.
NEWS INTELLIGENCEHow this industry appears in the news
8,270 articles in the measured 12-month window.
Expand panel +
How this industry appears in the news
8,270 articles in the measured 12-month window.
News volume trends
Fintech coverage tagged Sydney · articles per complete quarter
View quarterly article counts
| Quarter | Articles |
|---|---|
| 2021Q2 | 2,084 |
| 2021Q3 | 2,669 |
| 2021Q4 | 2,485 |
| 2022Q1 | 2,699 |
| 2022Q2 | 2,717 |
| 2022Q3 | 2,330 |
| 2022Q4 | 2,957 |
| 2023Q1 | 3,313 |
| 2023Q2 | 2,638 |
| 2023Q3 | 2,638 |
| 2023Q4 | 2,686 |
| 2024Q1 | 2,486 |
| 2024Q2 | 3,007 |
| 2024Q3 | 2,598 |
| 2024Q4 | 2,561 |
| 2025Q1 | 2,248 |
| 2025Q2 | 1,951 |
| 2025Q3 | 2,195 |
| 2025Q4 | 1,943 |
| 2026Q1 | 2,000 |
Article volume measures coverage, not market sales.
Tone of coverage over time
Most-covered companies
Company share of voice
304 recorded company events across 47 companies; percentages use that event total.
Leading coverage topics
Fintech coverage tagged Sydney · ranked by full-period article count.
Recent and prior counts use the source comparison windows.
Topics gaining and losing attention
Australia comparison coverage
| Keyword | Recent | Prior | Change |
|---|---|---|---|
| commodity futures | 517 | 348 | 49% |
| stock price | 418 | 250 | 67% |
| digital banking innovations | 358 | 230 | 56% |
| next-gen banking platforms | 352 | 240 | 47% |
| platform banking | 334 | 218 | 53% |
| stablecoin fx impact | 320 | 161 | 99% |
| crude oil prices | 310 | 87 | 256% |
| api-driven banking | 277 | 185 | 50% |
| forex liquidity | 275 | 160 | 72% |
| cloud-based banking | 274 | 189 | 45% |
| economic slowdown | 673 | 1,051 | -36% |
| free casino games | 142 | 568 | -75% |
| sweepstakes casino | 136 | 566 | -76% |
| social casino | 137 | 562 | -76% |
| simulated gambling apps | 140 | 562 | -75% |
Event and signal lenses
Australia comparison coverage
Regulatory Risk
159,703 classified articleseconomic slowdown, stock performance, monetary easing
45.3% critical · 34.6% positiveFunding Momentum
28,244 classified articlesinflation reports fx, currency intervention policies, trade deficits fx
34.9% critical · 46.6% positiveGrowth
45,846 classified articleseconomic slowdown, inflation reports fx, gdp growth forex
40.1% critical · 41.9% positiveFintech coverage tagged Sydney. Topic labels describe recorded classifications and can include broad context.
RESEARCH SIGNALSWhat Fintech research is working on
13,825 papers in the recorded worldwide scope.
Expand panel +
What Fintech research is working on
13,825 papers in the recorded worldwide scope.
Research orientation
Contribution mix
Tone counts: 12,714 positive · 252 neutral · 859 negative.
- 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
- 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
- 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
Leading researchers
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
Common problems researchers identify · 01Financial Inclusion Challenges
1,447 papers24.1% of this theme group
Researchers discuss how fintech impacts access to services and the hurdles of integrating new technologies with traditional banking.
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
| Year | Share index |
|---|---|
| 2022 | 535.2 |
| 2023 | 588.5 |
| 2024 | 650.5 |
| 2025 | 1023.2 |
Common problems researchers identify · 02Payment System Limitations
1,364 papers22.7% of this theme group
Papers examine cost, reliability, and regulatory obstacles that hinder electronic payment adoption, especially in developing regions.
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
| Year | Share index |
|---|---|
| 2022 | 590.9 |
| 2023 | 562.2 |
| 2024 | 710.5 |
| 2025 | 799.0 |
Common problems researchers identify · 03Mobile Payment Adoption Issues
1,149 papers19.1% of this theme group
Studies focus on user acceptance, security concerns, and contextual factors influencing mobile banking and payment usage.
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
| Year | Share index |
|---|---|
| 2022 | 77.6 |
| 2023 | 83.0 |
| 2024 | 82.8 |
| 2025 | 139.8 |
Common problems researchers identify · 04Credit Card Fraud Risks
692 papers11.5% of this theme group
Research highlights techniques used by fraudsters and the difficulty of detecting fraudulent transactions in real time.
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
| Year | Share index |
|---|---|
| 2022 | 47.3 |
| 2023 | 47.0 |
| 2024 | 47.7 |
| 2025 | 63.6 |
Common problems researchers identify · 05Algorithmic Trading Concerns
585 papers9.8% of this theme group
Works address market impact, regulatory gaps, and potential for manipulative practices in high‑frequency trading environments.
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
| Year | Share index |
|---|---|
| 2022 | 19.5 |
| 2023 | 20.0 |
| 2024 | 18.3 |
| 2025 | 31.1 |
Common problems researchers identify · 06Portfolio Optimization Barriers
404 papers6.7% of this theme group
Authors discuss model complexity, data quality, and the trade‑off between risk and return in modern portfolio theory.
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
| Year | Share index |
|---|---|
| 2022 | 315.6 |
| 2023 | 306.6 |
| 2024 | 225.8 |
| 2025 | 345.9 |
Common problems researchers identify · 07Money‑Laundering Compliance Issues
359 papers6.0% of this theme group
Papers explore the tension between anti‑money‑laundering measures and maintaining financial inclusion and privacy.
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
| Year | Share index |
|---|---|
| 2022 | 1897.3 |
| 2023 | 1880.1 |
| 2024 | 1584.8 |
| 2025 | 1002.7 |
Cautions
3,742 papers · 7 recurring themes
Cautions · 01Fintech Inclusion Trade‑offs
756 papers20.2% of this theme group
Researchers urge careful regulation to balance fintech‑driven inclusion with systemic stability and consumer protection.
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
| Year | Share index |
|---|---|
| 2022 | 535.2 |
| 2023 | 588.5 |
| 2024 | 650.5 |
| 2025 | 1023.2 |
Cautions · 02High‑Frequency Trading Risks
579 papers15.5% of this theme group
Studies caution about market quality degradation and the need for stronger oversight of rapid trading strategies.
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
| Year | Share index |
|---|---|
| 2022 | 19.5 |
| 2023 | 20.0 |
| 2024 | 18.3 |
| 2025 | 31.1 |
Cautions · 03Payment System Transition Risks
565 papers15.1% of this theme group
Analyses highlight policy shifts, consumer preferences, and unintended effects when moving to new 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
| Year | Share index |
|---|---|
| 2022 | 598.5 |
| 2023 | 567.6 |
| 2024 | 714.6 |
| 2025 | 803.0 |
Cautions · 04Portfolio Model Uncertainty
522 papers13.9% of this theme group
Works point to model risk and volatility estimation errors that can undermine optimized investment decisions.
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
| Year | Share index |
|---|---|
| 2022 | 318.1 |
| 2023 | 308.9 |
| 2024 | 228.0 |
| 2025 | 346.6 |
Cautions · 05Mobile Money User Experience
496 papers13.3% of this theme group
Papers stress the importance of usability and trust to ensure mobile money fulfills inclusion promises.
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
| Year | Share index |
|---|---|
| 2022 | 633.6 |
| 2023 | 610.5 |
| 2024 | 762.5 |
| 2025 | 878.6 |
Cautions · 06Financial Fraud Detection Limits
495 papers13.2% of this theme group
Research notes challenges in applying AI to fraud detection, including data bias and evolving attack techniques.
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
| Year | Share index |
|---|---|
| 2022 | 2207.7 |
| 2023 | 2190.6 |
| 2024 | 2016.5 |
| 2025 | 1778.7 |
Cautions · 07Digital Currency Security Concerns
329 papers8.8% of this theme group
Studies examine cybersecurity, regulatory, and stability issues surrounding blockchain and cryptocurrency payments.
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
| Year | Share index |
|---|---|
| 2022 | 801.9 |
| 2023 | 842.3 |
| 2024 | 890.0 |
| 2025 | 1127.0 |
Opportunities
28,937 papers · 7 recurring themes
Opportunities · 01Advanced Portfolio Optimization
1,697 papers28.3% of this theme group
Researchers propose new mathematical models and multi‑objective strategies to improve portfolio performance.
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
| Year | Share index |
|---|---|
| 2022 | 371.2 |
| 2023 | 354.5 |
| 2024 | 252.1 |
| 2025 | 358.7 |
Opportunities · 02Machine‑Learning Fraud Detection
1,066 papers17.8% of this theme group
Papers showcase algorithms that enhance detection of credit‑card fraud and reduce false‑positive rates.
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
| Year | Share index |
|---|---|
| 2022 | 47.3 |
| 2023 | 47.0 |
| 2024 | 47.7 |
| 2025 | 63.6 |
Opportunities · 03Fintech for Inclusion and Literacy
778 papers13.0% of this theme group
Works explore how digital tools can expand financial services and improve financial knowledge among underserved groups.
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
| Year | Share index |
|---|---|
| 2022 | 535.2 |
| 2023 | 588.5 |
| 2024 | 650.5 |
| 2025 | 1023.2 |
Opportunities · 04Blockchain‑Enabled Payments
756 papers12.6% of this theme group
Studies highlight secure, transparent architectures that can modernize digital payment infrastructures.
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
| Year | Share index |
|---|---|
| 2022 | 733.2 |
| 2023 | 686.3 |
| 2024 | 781.6 |
| 2025 | 930.9 |
Opportunities · 05Value‑Added Mobile Payment Services
723 papers12.1% of this theme group
Research investigates additional features and security enhancements that drive consumer adoption of 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
| Year | Share index |
|---|---|
| 2022 | 633.6 |
| 2023 | 610.5 |
| 2024 | 762.5 |
| 2025 | 878.6 |
Opportunities · 06Intelligent Algorithmic Trading
661 papers11.0% of this theme group
Papers present AI‑driven strategies and forecasting tools to boost trading efficiency and profitability.
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
| Year | Share index |
|---|---|
| 2022 | 32.4 |
| 2023 | 31.8 |
| 2024 | 25.0 |
| 2025 | 38.8 |
Opportunities · 07Machine‑Learning Credit Scoring
319 papers5.3% of this theme group
Authors develop predictive models to assess borrower risk more accurately and streamline loan underwriting.
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
| Year | Share index |
|---|---|
| 2022 | 254.2 |
| 2023 | 254.9 |
| 2024 | 182.2 |
| 2025 | 261.3 |
How this field compares with the research baseline
Orientation shares compared with 25,000 papers in the reference sample.
| Research orientation | This field | Reference sample |
|---|---|---|
| Promising | 32.2% | 37.3% |
| Descriptive | 25.3% | 17.4% |
| Problem-identifying | 22.7% | 9.8% |
| Cautionary | 10.2% | 4.6% |
| Breakthrough | 5.5% | 26.4% |
| Comparative | 3.0% | 3.6% |
| Critical | 1.1% | 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 paper | Papers | Share | Raised as a problem | Worldwide share |
|---|---|---|---|---|
| Privacy & surveillanceIncentives for Mobile Crowd Sensing: A Survey | 2,717 | 4.6% | 857 (31.5%) | 4.6% |
| Concentration of compute powerRent Seeking by Low-Latency Traders: Evidence from Trading on Macroeconomic Announcements | 102 | 0.17% | 50 (49.0%) | 0.17% |
| Bias & fairnessSocietal bias reinforcement through machine learning: a credit scoring perspective | 83 | 0.14% | 31 (37.3%) | 0.14% |
| Labour & data workMobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy | 60 | 0.1% | 26 (43.3%) | 0.1% |
| Safety & misuseThe EU Response to Criminal Misuse of Cryptocurrencies: The Young, already Outdated 5th Anti-Money Laundering Directive | 50 | 0.08% | 21 (42.0%) | 0.08% |
| Energy & datacenter footprintAn integrated model of financial technology adoption and environmental performance: The role of green innovation | 29 | 0.05% | 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 | 3 | 0.01% | 0 (0.0%) | 0.01% |
| Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework | 1 | 0.0% | 0 (0.0%) | 0.0% |
| Water use | 0 | 0.0% | 0 (%) | 0.0% |
Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.
Fintech in Sydney: 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.
Company ecosystem snapshot: 1 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 ↗