Five FinTechs on Friday – March 19, 2021

We're on clubhouse! If you're looking to end your week with some relaxed #Fintech updates, Brian Collins and Simone Joyce will be hosting the second instalment of FinTech Australia's #clubhouse series. In 30mins they'll take a stroll around the 5 Fintechs profiled today, and the trends and news sitting behind them. Clubhouse link This Friday we have five exciting fintechs: A banking insights app, a payment platform, a data facilitation platform, a credit risk software provider and a market leader in R&D financing.Check them out below!Don't forget to apply for the Finnie Awards 2021 and have the chance to be recognised amongst the most innovative Australian companies that are disrupting the fintech industry. Entries close on March 30th!Intersekt 2021 registration is now live! Grab your ticket for the most thought provoking and diverse Asia-Pacific fintech conference.

	Rich Data
	Rich Data Corporation is a global AI credit risk software company. Rich Data Corp’s unique credit risk platform DELTA enables lenders to develop, run and optimise credit decision strategies and predictive models within a single platform. Using AI native capability, DELTA unlocks the potential of data to drive lending growth and profitability. Working closely with leading universities, Rich Data Corp researches and develops “glass box” AI techniques specifically supporting transparency and compliance for lenders. With offices in Australia, Singapore and China – Rich Data Corp strives toward a vision of financial inclusion by increasing global access to credit. - https://richdataco.com/
	Finspo
	Finspo is disrupting how Australians manage the cost of having a Home Loan.- A new breed of broker backed by a digital app that analyses the fees and charges hiding in your bank accounts- Rates your Home Loan Interest rate against the market and helps you make changes when and where you want- Gives data driven insights to make smart money moves which could save you bigFinspo is available on the App Store or on Google Play. Visit finspo.com.au for more information.
	OpenSparkz
	OpenSparkz re-imagines the world of loyalty and offers by harnessing nascent card linking technology. Using payment scheme integration, OpenSparkz is a global enablement Platform as a Service (PaaS) that can power any rewards or offers program without the need for separate loyalty cards, offer codes or coupons - creating better experiences for consumers and merchants. Consumers pay with their debit or credit card and receive rewards, in real time. Merchants can deploy offers within minutes without POS modification, data capture and processing, or staff training. OpenSparkz’ cloud-based solution is globally deployable and PCI-DSS compliant.
	ID Exchange
	As Australia's Open Banking regime heats up Australian Data Exchange is well placed to assist impatient FinTechs immediately access Open Banking resources through digi.me's "plug and play" data-sharing platform which offers the embedded technology layers of privacy, security and consent opening the corridors for permissioned data sharing by aggregating information at the consumer.By offering a utility style Data Facilitation platform, Australian Data Exchange acts as an intermediary to remove expensive systems build costs for Banks, ADI's and FinTechs allowing them to focus on the curation of new hyper-personalised products and services developed with direct access to interoperable, multi-sector data.
	Radium Capital
	Radium Capital is Australia’s market leader in R&D financing. They were formed by entrepreneurs; for entrepreneurs. That’s why they don’t think like a bank!They believe businesses with R&D should have access to capital when they need it. So we created Radium Advances to provide quick, easy and early access to up to 80% of your expected R&D tax incentive refund - in just a few business days.Radium Advances are available as one-off cash injections, or can be used strategically throughout the year to smooth cash flow. Under the Radium Quarterly model, for the same expenditure, you can boost R&D spend by 50% or reduce outlay by 33%. www.radiumcapital.com.au