The Zai Guide highlights Australia’s leading role in fintech growth, driven by rapid digital adoption, evolving consumer expectations, and innovations like Open Banking. Post-pandemic, Australian fintechs must adapt to meet rising demand for convenience, transparency, and personalized financial services. The sector is maturing, especially in payments and regtech, with strong local and international investment. Challenges such as capital raising and talent shortages persist, but fintechs leverage nimble digital infrastructure and regulatory reforms to build superior customer journeys and sustain long-term growth.

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