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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 AUSTRALIA EDITION 2026

Australia’s
payments infrastructure industry,
in focus.

The companies, capital and talent shaping payments infrastructure in Australia. 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 Payments Infrastructure Industry Landscape of Australia
AU
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Payments Infrastructure illustration
Companies tracked 381Payments Infrastructure ecosystem in Australia Disclosed funding $1.64B40 companies · all recorded rounds Companies hiring 19With open roles at the snapshot Tracked open roles 360 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore Australia’s payments infrastructure leaders

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

Expand panel +
Explore the full landscape
Payments Infrastructure company highlights in Australia, snapshot 3 September 2026
Company
Afterpayafterpay.com$561.97M———
Till Paymentstillpayments.com$147.17M—170Financial figure available in RadarView in Radar
Zellermyzeller.com$134.07M—225—
Tyrotyro.com$103.31M—600Financial figure available in RadarView in Radar
InDebtedindebted.co$97.65M—250—
Touchcorptouchcorp.com$81.6M—133—
Ignitionignitionapp.com$75.43M—180—
Ordermentumordermentum.com$58.94M—59—
Keycorpkeycorp.net—10 roles5,000—
Bless Paymentsblesspayments.com.au—3 roles——
Merchant Payment Solutionsmerchantpayments.com.au—3 roles——
Marmaladewithmarmalade.com.au—2 roles33—
PayNutspaynuts.au—2 roles——
Rellorellopay.io—2 roles——
Traildtraild.com.au—2 roles24—
Sliceslicegroup.co—1 roles——
ANZ Worldline Payment Solutionsanzworldline.com.au——200—
Bookipibookipi.com——33—
Change Financialchangefinancial.com———Financial figure available in RadarView in Radar
Credit Clearcreditclear.com.au——38Financial figure available in RadarView in Radar
Cuscalcuscalpayments.com.au——673Financial figure available in RadarView in Radar
OFXofx.com——715Financial figure available in RadarView in Radar
Spendaspenda.co——4Financial figure available in RadarView in Radar
Zeptozepto.com.au——99—
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

Payments Infrastructure industry KPIs in Australia

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

3 September 2026
Hiring participation5.0%

19 of 381 tracked companies have open roles.

Funding participation13.1%

50 of 381 tracked companies have a recorded round.

Top 3 funding share51.5%

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

Median disclosed round$6.2M

Midpoint of 74 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 51.5% of disclosed capital, while 86.9% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How Australia payments infrastructure 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

Australia payments infrastructure
$0$124.48M$248.97M$373.45M$497.94M2016: $93.77M20162017: $16.97M20172018: $12.32M20182019: $168.87M20192020: $436.79M20202021: $336.96M20212022: $167.63M20222023: $100.28M20232024: $63.83M20242025: $2.46M2025
View the numbers
Annual payments infrastructure funding and company formation in Australia
YearFunding (USD)FoundedRaising
2016$93.77M188
2017$16.97M364
2018$12.32M254
2019$168.87M305
2020$436.79M346
2021$336.96M1111
2022$167.63M149
2023$100.28M128
2024$63.83M125
2025$2.46M01
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Afterpay34.3%
  • Till Payments9.0%
  • Zeller8.2%
  • Other companies48.5%

Funding by stage

95 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel27 28.4%
Series A–B36 37.9%
Series C+ / PE6 6.3%
Grants, debt & other26 27.4%

Recent recorded rounds

Latest recorded rounds · USD
2 rounds

Swipe or scroll horizontally to browse.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series D11/2015
Tyrotyro.com$72M

Backed by Tiger Global Management and Mike Cannon-Brookes and others.

Series B07/2022
Mx51mx51.com$32.5M

Backed by Rampersand and Mastercard and others.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Expand panel +

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.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

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

Busiest websites

8 of the 381 companies on this page carry a measured traffic record (2.1%); these are the largest of those, by monthly visits. The median among them is 119,321 visits.

CompanyMonthly visitsAuthorityMobile
pay.com.aupay.com.au912,3693881.2%
InDebtedindebted.co462,1783994.1%
Ignitionignitionapp.com282,6443826.9%
Azupayazupay.com.au125,8372435.8%
PayWaypayway.com.au112,8053644.7%
Card Access Servicescardaccess.com.au102,2312247.9%
Ordermentumordermentum.com84,0183621.4%
ChargeDeskchargedesk.com45,2182446.5%

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

Most-installed apps

59 of these companies (15.5%) publish at least one Android app — 81 apps in all, carrying 24.8M installs between them.

AppInstallsRatingStore category
Afterpay: Pay over timeAfterpay14.7M4Shopping
Afterpay. Buy now, pay it in 4Afterpay5.9M4.3Shopping
Invoice Maker & Estimate AppBookipi1.6M4.6Business
OFX Money TransferOFX520.4K4.3Finance
Invoice Maker | Bill clients |InvoiceBee472K4.5Business
NaqaD by KamelpayKamelpay344K4.6Finance
Charge for Stripe Card PaymentCharge for Stripe208.2K4.1Finance
Expense Tracker & Budget AppBookipi207.9K4.3Finance
PayNow for StripePayNow for Stripe156K4.4Finance
Sniip – The easy way to paySniip121.5K1.8Finance

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 (2023Q2–2026Q1).

SegmentAppsInstallsLeading appRelease trend
Payments5922.2MAfterpay: Pay over time 14.7M
E-Commerce Enablers1120.7MAfterpay. Buy now, pay it in 4 5.9M
In Store Retail Tech1920.7MTyro 39.7K
Alternative Lending620.7MTyro Go 11.1K
Finance & Accounting Tech142.4MInvoice Maker & Estimate App 1.6M
Freelancer It31.9MExpense Tracker & Budget App 207.9K
Digital Remittance16695.1KOFX Money Transfer 520.4K
Hrtech2344.1KNaqaD by Kamelpay 344K

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.

2023Q1: 12023Q1: 02023Q12023Q2: 12023Q2: 22023Q22023Q3: 22023Q3: 22023Q32023Q4: 22023Q4: 12023Q42024Q1: 12024Q1: 12024Q12024Q2: 12024Q2: 12024Q22024Q3: 12024Q3: 22024Q32025Q1: 12025Q1: 22025Q12025Q3: 22025Q3: 82025Q32025Q4: 22025Q4: 102025Q42026Q1: 12026Q1: 122026Q1

Darker bars are new releases, lighter bars apps updated. 42 of 81 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The Australia payments infrastructure market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech376
Enterprise tech327
Enterprise software225
Commerce enablers166
Cfo stack112
Saas102
Consumer digital77
Retail pos solutions10
Blockchain in financial services9
Nbfc lenders7
Internet first lenders7
Blockchain technology5

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

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

376companies
5.1%have hiring activity

19 companies hiring · $1.64B disclosed funding

Explore in Radar

How companies make money

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

Subscription329
Commission on transaction205
E-commerce - service92
Fee-for-service40
Advertising7
E-commerce - product5
Lending3
Physical commerce2
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 & acquisitionskeycorp.net ↗

KeyCorp has agreed to acquire Clearwater Corporate Finance, a U.K.-based middle-market investment banking advisory firm, marking the Cleveland-based company’s entrance into the western European market.

Mergers & acquisitionscuscalpayments.com.au ↗

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 & acquisitionslink4.co ↗

Link4 today announced the acquisition of 100% of the shares of Unifiedpost Pte Ltd from Banqup Group SA.

IPO activityafterpay.com ↗

Nick Molnar and Anthony Eisen listed their buy-now-pay-later business Afterpay on the ASX in 2016 with a modest $25 million public offering.

IPO activityzepto.com.au ↗

Zepto – The grocery‑delivery firm has filed papers for an IPO through a confidential route, with aims to raise about $500 million.

Mergers & acquisitionsredmap.com ↗

Basware, a global leader in invoice lifecycle management, has acquired Redmap, an Australian provider of accounts payable automation software

Mergers & acquisitionstyro.com ↗

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.

Mergers & acquisitionsmintpayments.com ↗

The acquisition strengthens Comply365’s position in aviation training management and supports its strategy to build what it describes as the industry’s first connected, AI-powered platform covering operational content, compliance, safety, and training management.

Funding roundsblesspayments.com.au ↗

Perth fintech Bless Payments raised $3.75 million in seed funding in mid‑2025.

Funding roundsnovatti.com ↗

Australian Wealth Advisors Group Ltd (AWAG) – along with its subsidiary Armytage Private – have committed to provide $1 million in funding to underpin Novatti’s growth strategy.

Full recorded event mix

Top 10 categories among 418 recorded events in the 24-month window.

Leadership moves
101
Funding rounds
73
Company announcements
55
Earnings
46
Mergers & acquisitions
35
IPO activity
28
Capital infusions
22
New products
20
Regulatory
14
Buyback
7
7 activity cards

Swipe or scroll horizontally to browse.

IPO pipeline

4 companies with recorded IPO activity

Zepto ↗

IPO · India24 reports

Afterpay ↗

IPO · ASX1 reports

Mint ↗

IPO · NASDAQ1 reports

Cuscal ↗

IPO · ASX4 reports

Leadership moves

48 tracked people moves

InDebted ↗
Josh Foreman

Appointment Founder

InDebted ↗
Rob Young

Appointment UK Managing Director

OFX ↗
Liz Lord

Appointment Chief Marketing Officer

Zepto ↗
Mariana Paun

Promotion Chief Business Resilience Officer

Spenda ↗
Irshad Mulla

Appointment Independent Non-Executive Director

Spenda ↗
James Matthews

Resignation Previously Non-Executive Director

Slice ↗
Rajan Bajaj

Appointment Managing Director and Chief Executive Officer

Slice ↗
Satish Kumar Kalra

Appointment Senior Advisor

Product launches

Products, platforms and features in the recorded window

Monoova ↗
FX Hub

Feature

Spenda ↗
Spenda Pay

Payments platform

Afterpay ↗
Afterpaid 2025 Report

Product

Contract wins

2 recorded customer wins

Mint ↗

Customer: Riccobono Grouphotels and real estate

Slice ↗

Customer: mumbai indians

Workforce actions

1 companies with reported reductions

Zepto ↗

Scale not stated rolescost reduction

Regulatory events

15 recorded events

Zepto ↗

not yet approvedSecurities and Exchange Board of India

Zepto ↗

removed 10-minute delivery brandingUnion government

Zepto ↗

license suspendedFDA

Cuscal ↗

cleared acquisitionAustralian Competition and Consumer Commission (ACCC)

Litigation

2 tracked suits

Company
California Attorney General, Colorado Attorney General, Conn v afterpay

Regulatory probe into BNPL practicesRegulatory ·

Company
Impelus v telstra

injunctive relief over cessation of direct carrier billing servicesCivil · Filed

Earnings pulse

Reported company results in the recorded window.

8companies
46period observations
20.0%median reported growth

Median across 37 reported growth observations; companies may contribute multiple periods.

Mergers and acquisitions

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

Acquirer → targetStatusDateValue / context
Keycorp→Clearwater Corporate FinancePending2026-04-30Not stated in snapshot
Cuscal→paymarkAnnounced2026-04-14Not stated in snapshot
Link4→unifiedpostAnnounced2026-03-09Not stated in snapshot
Finch→Wizard MarketingAnnounced2026-02-13Not stated in snapshot
basware→Redmap ↗Announced2025-12-19Not stated in snapshot
Tyro→NAB-backed rising star FinTech ThridayAnnounced2025-12-19Not stated in snapshot

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

PEOPLE & OPPORTUNITY

The talent market

12 postings in the preceding 12 months. The full 24-posting snapshot covers 13 employers.

Expand panel +

Most advertised job titles

Infrastructure Mechanic1
Director, State Development, Infrastructure, Local Government And Planning1
0 internship postings

0 tracked postings mention remote work.

The seniority mix

1 postings specify a level.

unspecified
23
manager
1

Skills employers mention

Top skills across 24 tracked postings in the available jobs snapshot.

Payments
13
Infrastructure
9
Fintech
9
Api Solutions
3
Api
3
Banking
3
Fraud Operations
2
Applications
2
Saas
2
Credit Risk
2
THE PEOPLE BUILDING THE FIELD

Founders and leaders

198 founders and chief executives across 160 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

12 profiles with education records.

RMIT University
3
The University of Melbourne
2
Yale University
1
The University of Queensland
1
University of California (Berkeley)
1
Harvard Business School
1
Stanford University
1
University of Oxford
1

Prior employers

4 profiles with prior-work records.

Goldman Sachs
1
Boston Consulting Group
1
Paypal
1
Bain
1

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

NEWS INTELLIGENCE

How this industry appears in the news

633,401 articles in the measured 12-month window.

Expand panel +
633,401articles in the measured year
120,996articles in 2026Q1
50.4%positive tone in the latest complete year

News volume trends

Payments Infrastructure coverage across Australia · articles per complete quarter

063,050126,100189,150252,2002021Q2: 102,1832021Q22021Q3: 116,5172021Q4: 101,0572022Q1: 115,6092022Q2: 110,0672022Q22022Q3: 117,3032022Q4: 174,2602023Q1: 196,9202023Q2: 125,2272023Q22023Q3: 148,8082023Q4: 134,8332024Q1: 128,0632024Q2: 140,2602024Q22024Q3: 140,6202024Q4: 154,3262025Q1: 181,5412025Q2: 117,0492025Q22025Q3: 219,3042025Q4: 104,7902026Q1: 120,9962026Q1
View quarterly article counts
QuarterArticles
2021Q2102,183
2021Q3116,517
2021Q4101,057
2022Q1115,609
2022Q2110,067
2022Q3117,303
2022Q4174,260
2023Q1196,920
2023Q2125,227
2023Q3148,808
2023Q4134,833
2024Q1128,063
2024Q2140,260
2024Q3140,620
2024Q4154,326
2025Q1181,541
2025Q2117,049
2025Q3219,304
2025Q4104,790
2026Q1120,996

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
183,957 positive · 35,116 neutral · 120,247 negative
2022
278,970 positive · 55,922 neutral · 181,352 negative
2023
347,240 positive · 69,809 neutral · 187,475 negative
2024
309,757 positive · 103,071 neutral · 149,549 negative
2025
313,590 positive · 156,846 neutral · 151,243 negative

Leading coverage topics

Payments Infrastructure coverage across Australia · ranked by full-period article count.

Geopolitical Disputes And Contested Areas300,024 articles in the full recorded period
103,300 recent · 80,986 prior
International And Transnational Geographic Entities300,014 articles in the full recorded period
103,302 recent · 80,987 prior
Administrative And Political Subdivisions299,961 articles in the full recorded period
103,290 recent · 80,970 prior
International Sports Competitions109,408 articles in the full recorded period
18,623 recent · 22,689 prior
Cricket Test Matches46,857 articles in the full recorded period
8,013 recent · 10,627 prior
Olympic Games Coverage42,942 articles in the full recorded period
5,159 recent · 9,613 prior
Sports Injury Reports37,766 articles in the full recorded period
6,190 recent · 5,957 prior
Championship Event Highlights35,739 articles in the full recorded period
7,167 recent · 6,950 prior
International Political Relations29,380 articles in the full recorded period
6,847 recent · 4,419 prior
Sports History And Legacy Stories25,025 articles in the full recorded period
4,429 recent · 5,134 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Payments Infrastructure coverage across Australia

KeywordRecentPriorChange
countries4,0051,939107%
domestic robots3,102378284%
toy robots3,0812412738%
ashes moments1,19076955%
angel investors1,016367177%
overseas study97068442%
ashes urn896392129%
ashes records856403112%
semester abroad81652256%
ashes venues81242989%
test cricket5,97111,553-48%
test innings4,5438,867-49%
5-day cricket3,7207,772-52%
odi cricket2,9236,171-53%
limited overs cricket2,7936,145-55%

Event and signal lenses

Payments Infrastructure coverage across Australia

All complete annual cohorts shown
Rising

Regulatory Risk

1,056,442 classified articles

territories, disputed islands, test cricket

27.1% critical · 18.7% positive
Rising

Funding Momentum

137,053 classified articles

test cricket, test innings, odi world cup

31.1% critical · 42.4% positive
Rising

Growth

163,284 classified articles

core inflation rate, inflation outlook, aflw premiership

31.7% critical · 46.7% positive

Payments Infrastructure coverage across Australia. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Payments Infrastructure research is working on

24,130 papers in the recorded worldwide scope.

Expand panel +
24,130papers
24,130worldwide comparison pool
—India-affiliated papers

Research orientation

Descriptive
7,441
Promising
6,662
Problem-identifying
5,340
Breakthrough
1,922
Cautionary
1,570
Comparative
873
Critical
322

Contribution mix

Empirical
14,345
Methods-led
4,931
Reviews
2,126
Position pieces
2,064
Theoretical
664

Tone counts: 20,970 positive · 1,336 neutral · 1,824 negative.

Common problems researchers identify
5,662 papers · 23.5% of this field
  • Payment3,621 papers
  • Mobile payment1,829 papers
  • Payment system841 papers
  • Financial inclusion529 papers
  • Payment service provider488 papers
  • Mobile device438 papers
  • Financial services430 papers
  • Mobile banking389 papers

Landmark: Beyond Mobile Payments: Exploring the Evolution and Future of Fintech (BY IJISRT)

Cautions
1,570 papers · 6.5% of this field
  • Payment1,050 papers
  • Mobile payment482 papers
  • Financial inclusion287 papers
  • Payment system197 papers
  • Financial services195 papers
  • Database transaction133 papers
  • Mobile banking115 papers
  • Digital currency95 papers

Landmark: Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution

Opportunities
8,584 papers · 35.6% of this field
  • Payment5,460 papers
  • Mobile payment2,950 papers
  • Payment system1,156 papers
  • Database transaction1,015 papers
  • Financial inclusion873 papers
  • Computer security696 papers
  • Financial services662 papers
  • Mobile banking547 papers

Landmark: The long-run poverty and gender impacts of mobile money

Leading institutions

Georgetown University
3,453
Massachusetts Institute of Technology
2,881
National Bureau of Economic Research
2,378
Swansea University
2,164
Universidad de Granada
1,970
Innovations for Poverty Action
1,312

Leading researchers

Tavneet Suri
3,688
William Jack
3,465
Francisco Liébana‐Cabanillas
1,906
Yogesh K. Dwivedi
1,733
Mushtaq Ahmad Shah
1,634
Khomane Harish
1,632
Shradha
1,632
Kutlu Hansda
1,632

Highly cited breakthrough-labelled papers

  • Behavioural intention to adopt mobile wallet: a developing country perspective321 citations
  • An integrated framework for the adoption and continuance intention to use mobile payment apps289 citations
  • Bitcoin meets strong consistency224 citations
  • Monopoly without a Monopolist: An Economic Analysis of the Bitcoin Payment System223 citations
  • Mobile payments adoption – introducing mindfulness to better understand consumer behavior213 citations

Common problems researchers identify

5,077 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Core Payment System ChallengesCommon problems researchers identify · 01

Core Payment System Challenges

1,178 papers

23.2% of this theme group

Researchers examine fundamental issues in payment processing, settlement, and service provider operations.

Payment system (621) · Payment (1,132) · Payment service provider (245) · Settlement (113)

New payment systems

Payment system technologies and functions : innovations and developments

View research history
YearShare index
202253.1
202352.6
202446.4
202578.4
Mobile Payment Security ConcernsCommon problems researchers identify · 02

Mobile Payment Security Concerns

949 papers

18.7% of this theme group

Studies focus on privacy, authentication, and user acceptance obstacles for mobile transactions.

Mobile payment (899) · Payment (794) · Computer security (114) · Internet privacy (81)

User Acceptance Testing of Mobile Payment in Various Scenarios

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

View research history
YearShare index
20221082.6
20231033.1
2024693.1
2025299.1
Cryptocurrency and Digital Currency RisksCommon problems researchers identify · 03

Cryptocurrency and Digital Currency Risks

816 papers

16.1% of this theme group

Works highlight security, regulatory, and adoption problems surrounding crypto‑based payment methods.

Cryptocurrency (161) · Payment (716) · Digital currency (151) · Currency (136)

Digital Payments: Blockchain based Security Concerns and Future

Demystifying Electronic Payment Systems and Digital Currencies

View research history
YearShare index
2022429.6
2023435.5
2024348.9
2025379.2
Mobile Technology Deployment BarriersCommon problems researchers identify · 04

Mobile Technology Deployment Barriers

700 papers

13.8% of this theme group

Analyses address technical and business hurdles in deploying mobile computing for payments.

Mobile technology (236) · Mobile device (274) · Mobile computing (199) · Mobile business development (183)

Mobile Learning

Mobile application challenges

View research history
YearShare index
2022262.9
2023237.0
2024221.5
2025260.1
Mobile Banking Legal and Practical IssuesCommon problems researchers identify · 05

Mobile Banking Legal and Practical Issues

600 papers

11.8% of this theme group

Papers discuss regulatory, infrastructural, and user‑experience challenges of mobile banking services.

Mobile banking (283) · Mobile payment (438) · SMS banking (57) · Financial services (113)

THE POTENTIAL INNOVATIVE STRATEGIES OF USING MOBILE MONEY SYSTEMS FOR ENHANCING FINANCIAL INCLUSION IN TANZANIA

Assessment of Legal and Practical Challenges Affecting Mobile Banking: Case Study of Tanzania

View research history
YearShare index
202299.7
2023112.1
202487.0
2025130.1
Financial Inclusion ObstaclesCommon problems researchers identify · 06

Financial Inclusion Obstacles

425 papers

8.4% of this theme group

Research identifies gaps in access, technology, and policy that limit inclusive financial services.

Financial inclusion (337) · Financial services (212) · Inclusion (52) · FinTech (66)

Financial Inclusiveness : The role of mobile money and digital financial services.

The Future Is Mobile: Financial Inclusion and Technological Innovation in the Emerging World

View research history
YearShare index
202289.7
2023103.9
202488.3
2025146.8
Healthcare Reimbursement ComplexitiesCommon problems researchers identify · 07

Healthcare Reimbursement Complexities

409 papers

8.1% of this theme group

Studies explore payment models, incentives, and reform challenges within health‑care financing.

Health care (147) · Reimbursement (71) · Payment (389) · Incentive (78)

Using Physician Payment Reform to Enhance Health System Performance

Challenges and suggestions on reform of provider payment system of medical services

View research history
YearShare index
2022294.9
2023284.7
2024201.5
2025244.0

Cautions

1,356 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Trust and Risk in Mobile PaymentsCautions · 01

Trust and Risk in Mobile Payments

275 papers

20.3% of this theme group

Authors caution about consumer trust, perceived risk, and usability concerns for mobile payment adoption.

Mobile payment (175) · Mobile device (37) · Mobile technology (22) · Payment (134)

A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments

An Exploration of the Factors Affecting User's Satisfaction with Mobile Payments

View research history
YearShare index
2022230.9
2023207.2
2024178.2
2025224.6
Systemic Liquidity and Settlement RisksCautions · 02

Systemic Liquidity and Settlement Risks

220 papers

16.2% of this theme group

Works warn of liquidity strains and systemic vulnerabilities in large‑value payment infrastructures.

Market liquidity (52) · Payment (203) · Settlement (46) · Payment system (80)

Systemic risk and liquidity in payment systems

Quantifying the Economic Benefits of Payments Modernization: the Case of the Large-Value Payment System

View research history
YearShare index
202283.9
202382.1
202456.9
202583.2
Consumer Spending Impact of Digital PaymentsCautions · 03

Consumer Spending Impact of Digital Payments

218 papers

16.1% of this theme group

Research questions how digital payment adoption reshapes spending habits and economic behavior.

Payment (204) · Database transaction (60) · Cash (40) · Mobile payment (62)

Impact Of Digital Payment Systems On Consumer Spending Habits

“ <b>Impact of Digital Payment Systems on Consumer Spending Behaviour”</b>

View research history
YearShare index
2022358.8
2023328.6
2024226.5
2025303.0
Regulatory Gaps Hindering InclusionCautions · 04

Regulatory Gaps Hindering Inclusion

194 papers

14.3% of this theme group

Analyses highlight policy and oversight shortcomings that impede mobile financial inclusion efforts.

Financial inclusion (176) · Financial services (102) · Inclusion (32) · Mobile payment (106)

Mobile Money for Financial Inclusion

A Systematic Review of Mobile Banking, Fintech Innovations, and Regulatory Gaps to Achieve Financial Inclusion in the Philippines

View research history
YearShare index
202289.7
2023103.9
202488.3
2025146.8
Monetary Effects of Mobile Money ProgramsCautions · 05

Monetary Effects of Mobile Money Programs

177 papers

13.1% of this theme group

Studies caution about macroeconomic and poverty‑alleviation outcomes of mobile cash transfer schemes.

Mobile payment (98) · Tanzania (13) · Payment (76) · Monetary economics (11)

Payment Mechanisms and Antipoverty Programs: Evidence from a Mobile Money Cash Transfer Experiment in Niger

Factors influencing consumers’ adoption of mobile financial services in Tanzania

View research history
YearShare index
2022236.4
2023239.1
2024145.0
202572.6
Provider Responses to New Reimbursement ModelsCautions · 06

Provider Responses to New Reimbursement Models

152 papers

11.2% of this theme group

Papers examine how health‑care providers adapt—or resist—prospective payment reforms.

Reimbursement (36) · Health care (41) · Prospective payment system (33) · Payment (148)

Impacts of Diagnosis-Related Groups Payment on the Healthcare Providers’ Behavior in China: A Cross-Sectional Study Among Physicians

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

View research history
YearShare index
2022219.2
2023212.4
2024161.8
2025191.0
Emerging Digital Currency UncertaintiesCautions · 07

Emerging Digital Currency Uncertainties

120 papers

8.8% of this theme group

Research flags unknown regulatory, stability, and integration issues of central bank and crypto currencies.

Digital currency (76) · Cryptocurrency (53) · Currency (47) · Payment (104)

Central Bank Digital Currencies and payments: A review of domestic and international implications

Cryptocurrencies, Big Techs, central bank digital currencies and the changing role of banks in the payment industry: old wine in new bottles

View research history
YearShare index
2022429.6
2023435.5
2024348.9
2025379.2

Opportunities

7,530 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Advancing Payment System DesignOpportunities · 01

Advancing Payment System Design

1,328 papers

22.1% of this theme group

Opportunities explore innovative architectures and information systems to improve payment efficiency.

Payment (1,268) · Payment system (591) · Health care (67) · Information system (64)

Measuring payment system development

Design and Research of Virtual Payment System in Colleges and Universities

View research history
YearShare index
2022316.1
2023298.5
2024240.2
2025290.6
Mobile Money Growth in Emerging MarketsOpportunities · 02

Mobile Money Growth in Emerging Markets

1,014 papers

16.9% of this theme group

Studies highlight expanding mobile banking services and their impact on developing economies.

Mobile payment (513) · Mobile business development (112) · Mobile technology (125) · Mobile device (201)

Mobile Money: Cell Phone Banking in Developing Countries

An Analysis of Features and Tendencies in Mobile Banking Apps

View research history
YearShare index
2022231.0
2023207.8
2024178.6
2025225.0
Behavioral Models for Payment AdoptionOpportunities · 03

Behavioral Models for Payment Adoption

861 papers

14.3% of this theme group

Research applies acceptance theories to predict and boost mobile payment usage.

Mobile payment (685) · Technology acceptance model (159) · Payment (631) · Structural equation modeling (137)

Enjoyment and social influence: predicting mobile payment adoption

Mobile payment adoption: a multi-theory model, multi-method approach and multi-country study

View research history
YearShare index
2022220.6
2023234.8
2024140.6
2025192.9
Blockchain‑Enabled Secure PaymentsOpportunities · 04

Blockchain‑Enabled Secure Payments

809 papers

13.5% of this theme group

Works propose distributed ledger solutions to enhance transaction security and transparency.

Blockchain (158) · Payment (724) · Cryptocurrency (127) · Database transaction (284)

Blockchain Based Architecture and Solution for Secure Digital Payment System

Towards a distributed token based payment system using blockchain technology

View research history
YearShare index
2022289.6
2023277.6
2024184.8
2025245.4
Financial Literacy Driving Digital PaymentsOpportunities · 05

Financial Literacy Driving Digital Payments

793 papers

13.2% of this theme group

Papers link improved financial knowledge to higher adoption of digital payment tools.

Payment (682) · Database transaction (140) · Financial literacy (58) · Payment system (150)

Pengaruh Financial Knowledge, Perceived Ease of Use Serta Peran E-Commerce Terhadap Minat UMKM dalam Menggunakan Aplikasi Digital Payment

The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs

View research history
YearShare index
2022173.7
2023174.3
2024111.7
2025204.7
Secure Mobile Authentication TechnologiesOpportunities · 06

Secure Mobile Authentication Technologies

663 papers

11.1% of this theme group

Research develops robust authentication and NFC methods for safe mobile transactions.

Computer security (347) · Mobile payment (431) · Authentication (120) · Near field communication (82)

A secure mobile electronic payment architecture platform for wireless mobile networks

Secure remote mobile payment architecture and application

View research history
YearShare index
2022854.0
2023823.1
2024531.0
2025226.5
FinTech Solutions for InclusionOpportunities · 07

FinTech Solutions for Inclusion

532 papers

8.9% of this theme group

Studies showcase fintech innovations that expand financial services to underserved populations.

Financial inclusion (479) · Financial services (297) · Inclusion (85) · FinTech (107)

Mobile banking for financial inclusion in a developing economy

Fintech and Financial Inclusion: Evaluating the Impact of Mobile Banking on SME Growth in Sub-Saharan Africa

View research history
YearShare index
202289.7
2023103.9
202488.3
2025146.8

How this field compares with the research baseline

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

Research orientationThis fieldReference sample
Descriptive30.8%17.5%
Promising27.6%37.1%
Problem-identifying22.1%9.7%
Breakthrough8.0%26.3%
Cautionary6.5%4.4%
Comparative3.6%4.0%
Critical1.3%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 Survey2,12310.02%672 (31.7%)10.02%
Labour & data workMobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy470.22%23 (48.9%)0.22%
Concentration of compute powerThe Economic Fallout of Exclusion of the Islamic Republic of Iran from the SWIFT International Payment Network410.19%23 (56.1%)0.19%
Safety & misuseWhispers of Wealth: Red-Teaming Google's Agent Payments Protocol via Prompt Injection80.04%4 (50.0%)0.04%
Bias & fairnessThe Impact of Mobile Data Cost on Consumer Price Sensitivity: A Study of a Hotel Booking App70.03%2 (28.6%)0.03%
Energy & datacenter footprintThe nexus between fintech and green finance in advancing sustainable performance across countries30.01%0 (0.0%)0.01%
Hardware, e-waste & supply chainA REVIEW ON MOBILE ELECTRONIC WASTE RECYCLING AMONG MALAYSIAN USERS30.01%1 (33.3%)0.01%
Water use00.0%0 (%)0.0%
Carbon & emissions of compute00.0%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 — Australia

Compare demand signals in Australia’s newsflow with the payments infrastructure 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 Australia demand signals compared with mapped payments infrastructure supply
Signal familySignal percentileSupply percentileRelative gapGap (points)Signal share vs prior year
Layoffs & income shocks ↗Spending Pressure100.050.0+50.0+94.9%
Interest rates & policy ↗Macro Pressure66.750.0+16.7+35.8%
Lending & credit access ↗Demand Driver16.750.0-33.3+10.3%
Fraud, scams & consumer trust ↗Trust Friction16.7—No matching category—+23.6%

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

Where the signals are loudest

All 8 city readings for these demand families in the comparison geography. Australia is highlighted.

Mentions per 10,000 articles

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

Australian Capital Territory72.2

Layoffs & income shocks · Interest rates & policy · Fraud, scams & consumer trust

Tasmania35.3

Layoffs & income shocks · Interest rates & policy · Fraud, scams & consumer trust

North Carolina34.2

Fraud, scams & consumer trust · Layoffs & income shocks

South Australia32.4

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

Western Australia31.5

Layoffs & income shocks · Fraud, scams & consumer trust · Lending & credit access

Queensland30.6

Layoffs & income shocks · Lending & credit access · Fraud, scams & consumer trust

England29.9

Layoffs & income shocks · Fraud, scams & consumer trust · Interest rates & policy

Northern Territory20.3

Interest rates & policy · Lending & credit access · Fraud, scams & consumer trust

Inside the leading signals

Open any signal for its quarterly history
SPENDING PRESSURELayoffs & income shocks+50.0percentile-point gap
THE OPERATING HYPOTHESIS

Layoff cycles can pull discretionary spend back toward value offerings.

22.74mentions per 10,000 articles+94.9%share change vs prior year

Mapped payments infrastructure categories

  • Nbfc Lenders7
  • Internet First Lenders7

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

Quarterly share of Australia coverage

Mentions per 10,000 articles · zero baseline

081523302024Q3: 132024Q32024Q4: 122024Q42025Q1: 122025Q12025Q2: 102025Q22025Q3: 262025Q32025Q4: 182025Q42026Q1: 252026Q1
View quarterly signal counts
Layoffs & income shocks in Australia coverage
QuarterMentionsPer 10,000 articles
2024Q38813.05
2024Q410112.84
2025Q19612.15
2025Q26110.45
2025Q321526.14
2025Q410518.27
2026Q115425.37

Where this signal concentrates in the comparison geography

Australian Capital Territory33.7 / 10,000
Tasmania16.9 / 10,000
MACRO PRESSUREInterest rates & policy+16.7percentile-point gap
THE OPERATING HYPOTHESIS

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

19.08mentions per 10,000 articles+35.8%share change vs prior year

Mapped payments infrastructure categories

  • Nbfc Lenders7
  • Internet First Lenders7

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

Quarterly share of Australia coverage

Mentions per 10,000 articles · zero baseline

071320272024Q3: 192024Q32024Q4: 142024Q42025Q1: 102025Q12025Q2: 92025Q22025Q3: 212025Q32025Q4: 172025Q42026Q1: 232026Q1
View quarterly signal counts
Interest rates & policy in Australia coverage
QuarterMentionsPer 10,000 articles
2024Q313419.88
2024Q411714.87
2025Q18410.63
2025Q2579.76
2025Q317821.64
2025Q410217.75
2026Q114023.07

Where this signal concentrates in the comparison geography

Australian Capital Territory31.3 / 10,000
DEMAND DRIVERLending & credit access-33.3percentile-point gap
THE OPERATING HYPOTHESIS

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

9.94mentions per 10,000 articles+10.3%share change vs prior year

Mapped payments infrastructure categories

  • Nbfc Lenders7
  • Internet First Lenders7

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

Quarterly share of Australia coverage

Mentions per 10,000 articles · zero baseline

03610132024Q3: 82024Q32024Q4: 102024Q42025Q1: 62025Q12025Q2: 62025Q22025Q3: 92025Q32025Q4: 112025Q42026Q1: 62026Q1
View quarterly signal counts
Lending & credit access in Australia coverage
QuarterMentionsPer 10,000 articles
2024Q3568.31
2024Q48510.81
2025Q1496.2
2025Q2386.51
2025Q3799.6
2025Q46411.14
2026Q1406.59

Where this signal concentrates in the comparison geography

Queensland8.0 / 10,000
Western Australia6.5 / 10,000
TRUST FRICTIONFraud, scams & consumer trust—supply not mapped
THE OPERATING HYPOTHESIS

Trust friction can reward whoever fixes service, complaints and fraud handling.

8.08mentions per 10,000 articles+23.6%share change vs prior year

Mapped payments infrastructure categories

This signal has no matching category in the page’s payments infrastructure market map, so no supply percentile or gap is assigned.

Quarterly share of Australia coverage

Mentions per 10,000 articles · zero baseline

0358102024Q3: 72024Q32024Q4: 72024Q42025Q1: 62025Q12025Q2: 42025Q22025Q3: 92025Q32025Q4: 52025Q42026Q1: 62026Q1
View quarterly signal counts
Fraud, scams & consumer trust in Australia coverage
QuarterMentionsPer 10,000 articles
2024Q3507.42
2024Q4607.63
2025Q1516.46
2025Q2244.11
2025Q3749.0
2025Q4325.57
2026Q1406.59

Where this signal concentrates in the comparison geography

Western Australia7.7 / 10,000
RESEARCH & CHANGING CONVERSATIONS

Related research and changing coverage

Australia payments infrastructure coverage

Expand panel +
RESEARCH CONTEXT · 2017

Redressing or entrenching social and health inequities through policy implementation? Examining personalised budgets through the Australian National Disability Insurance Scheme

International Journal for Equity in Health

87 citations in the snapshot

RESEARCH CONTEXT · 2018

The personalisation agenda: the case of the Australian National Disability Insurance Scheme

International Review of Sociology

74 citations in the snapshot

RESEARCH CONTEXT · 2017

The Vexed Question of Market Stewardship in the Public Sector: Examining Equity and the Social Contract through the Australian National Disability Insurance Scheme

Social Policy and Administration

72 citations in the snapshot

RESEARCH CONTEXT · 2019

Australia\'s New National Disability Insurance Scheme: Implications for Policy and Practice

Policy Design and Practice

63 citations in the snapshot

What is growing in this coverage

Australia coverage of this page's demand families

KeywordRecent articlesPrior articlesShare change
sectoral price pressures8332198.0%
policy rate announcement694576.2%
cpi trends16715325.4%
inflation expectations19618323.1%
consumer protection coalitions403820.9%
monetary stance shift28628017.4%

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

Payments Infrastructure in Australia: 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 Australia 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