FinTech Survey June 2016 by Roy Morgan

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P r o p o s a l p r e p a r e d f o r

2016 F INTECH SUMMIT PRE-SUMMIT ONLINE SURVEY

May 17, 2016

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Summary of Findings

2

EXECUTIVE SUMMARY

FinTech is predominantly thought of as…..

› Digital disruption in the financial services industry › Innovation in the finance industry › Blockchain

› Last 12 mths: Blockchain, Robo advice, Peer-to-peer lending, Payment systems (PayPal, Braintree etc)

› Next 12 mths: Blockchain, Robo advice, Peer-to-peer lending, Apple pay

› Next 3-5 yrs: Blockchain, Robo brokers/advice… but for many this is unpredictable – industry moving too fast

› Winners: Consumers, Small Business, Retailers

› Losers: Traditional Banking Industry, Insurance, Wealth Management

› Most surveyed agree up to 30% of bank revenue could be at risk , particularly due to payment systems, online lending,

and traditional banking’s perceived inability to meet customer needs

› Predominantly seen as a “good thing” for Australia - provides new investment opportunities, ability to capitalise on

Blockchain opportunities, opens markets, creates competition

› Minority see it as a “bad thing” - with the potential to undermine fiscal monetary policy; potential for corruption

› Most surveyed think that within 3 years, these types of companies will be offering credit cards, loans, insurance

› Regulatory issues seen as barrier to implementation

› Perceived trust between customers and bank seen as lesser issue

W H AT I S F I N T E C H ?

D I S R U P T O R S I N L A S T 1 2 M O N T H S / T H E F U T U R E

I M P A C T O F F I N T E C H O N T R A D I T I O N A L B A N K I N G & O T H E R

I N D U S T R I E S

C R Y P T O C U R R E N C I E S

P O T E N T I A L D I S R U P T I O N F R O M F A C E B O O K , A P P L E , G O O G L E ,

A M A Z O N E T C

In advance of the 2nd Annual FinTech Summit, on behalf of Frocomm Australia, Roy Morgan Research undertook an online survey of over 50

professionals from a range of industries – including FinTech - to gauge their views on the FinTech industry generally. In summary, the survey found:

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What is FinTech?

3

FINTECH

N e w a g e f i n a n c i a l s e r v i c e s u s i n g t e c h n o l o g y a s t h e b a c k b o n e

D i g i t a l d i s r u p t i o n i n t h e f i n a n c i a l s e r v i c e s i n d u s t r y w i t h t h e h e l p o f t e c h n o l o g y ( e g

d a t a s c i e n c e , d a t a a n a l y t i c s )

T h e u s e o f d i g i t a l t e c h n o l o g y f o r f i n a n c i a l p u r p o s e s c o m b i n e d w i t h t h e d i s r u p t i v e a p p r o a c h t o t a c k l e

f i n a n c i a l s e r v i c e s

I n n o v a t i v e s t a r t u p s t r y i n g t o d i s r u p t t h e f i n a n c i a l s e r v i c e s i n d u s t r y a n d

i n c u m b e n t s t r y i n g t o j u m p o n a b a n d w a g o n t o s t a y r e l e v a n t .

Q1. When you hear the word “FinTech”, what comes to mind?

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The FinTech Opportunity….

4

FINTECH

O n l y o l d b i g c o m p a n i e s t h a t a r e t o o s l o w t o a d a p t t o a c h a n g i n g m a r k e t s e e i t a s a t h r e a t . F o r s m a l l e r

m o r e a g i l e c o m p a n i e s i t ’ s a n o p p o r t u n i t y t o g e t a h e a d o f t h e c o m p e t i t i o n . F o r e v e r y o n e i t ’ s a n o p p o r t u n i t y t o

m a k e b a c k - e n d p r o c e s s m o r e e f f i c i e n t

I s e e i t a s b o t h a n o p p o r t u n i t y a n d a t h r e a t . I t w i l l b r i n g n e w m a r k e t s a n d I

t h i n k t h e w i n n e r w i l l b e t h e e n d c o n s u m e r

› The vast majority of those surveyed see FinTech as an opportunity – less than 2% see it as a threat

C h a n g e b r i n g s o p p o r t u n i t y f o r t h o s e w h o c h a s e i t a n d t h r e a t f o r t h o s e w h o d o n ' t

a d a p t

F i n t e c h i s a g r e a t o p p o r t u n i t y f o r c o n s u m e r s a n d c o m p a n i e s . T e c h n o l o g y i n n o v a t i o n s w i l l m a k e a l l o f o u r l i v e s

b e t t e r

C u r r e n t s y s t e m s a r e o u t d a t e d a n d m o r e a n d m o r e d a t a i s b e i n g c o l l e c t e d e a c h d a y .

T h e r e i s a h u g e p o t e n t i a l u p s i d e

O p e n s u p a m a r k e t f o r s m a l l e r p l a y e r s . E s s e n t i a l l y t h e u b e r o f b a n k s

S t a r t u p s t a k e g r e a t e r r i s k s c o m p a r e d t o o t h e r e s t a b l i s h e d i n s t i t u t i o n s

( i . e . b a n k s )

Q2. Some people say FinTech, with its combination of technology, big data and analytics, is an opportunity, while others see it as a threat. How do you see it, and why?

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Financial technologies/companies that have been / will be the greatest disruptors….

5

DISRUPTORS

G r e a t e s t d i s r u p t o r s … . F a s t e r l e n d i n g s e r v i c e s

b y n o n b a n k l e n d e r s . A l s o , m u c h o f t h e

F i n T e c h i n n o v a t i o n h a s a t t a c k e d m a r k e t s n o t

r e a l l y t a r g e t e d b y t h e b a n k s , i e u n s e c u r e d

b u s i n e s s l e n d i n g , s m a l l a m o u n t f a s t c o n s u m e r

l e n d i n g . . . P e e r 2 P e e r p e r s o n a l l e n d i n g s e e m s

t o h a v e h a d s o m e i m p a c t o n t h e b a n k s .

In the last 12 months

• Blockchain service providers

• Robo brokers / Robo advice

• Peer 2 Peer lending

• Payment Systems (Apple Pay, PayPal, Ripple, Alipay, Stripe, Braintree etc)

In the next 12 months

•Blockchain service providers

•Robo brokers / Robo advice

•Peer 2 Peer lending

•Apple Pay

•Other mentions – Transferwise, SocietyOne, ClearMatch, Insurance tech, Klarna, Robinhood, Acorn Ratesetter, Google, Bitcoin

In the next 3 years



• Other mentions – Prospa, banks, facebook, WeChat, Jira, Bell Potter Securities, Bitcoin, Ethereum, Factom, Loyyal, Azure, Hyperledger

In the next 5 years



• Unknown! Industry moving too quickly / too unpredictable – “Not sure - ask me in 2 years!”

Q4. Which financial technologies or companies have been the greatest disruptors in your industry in the last 12 months? Q5a/b/c. Which financial technologies or companies do you think will be the greatest disruptors in your industry in the next 12 months/3 years / 5 years

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Concerns about organisations' ability to adapt

6

ADAPTING TO CHANGE

T h e i n d u s t r y i s m o v i n g s o q u i c k l y , w e

n e e d t o c o n s t a n t l y e v o l v e o r w e w i l l f a l l b e h i n d . F i n T e c h i s o n e d i v i s i o n

a n d t h i s c h a n g e n e e d s t o h a p p e n c o m p a n y w i d e

T h e g a p b e t w e e n e n g a g i n g s t a r t u p s i n e x p l o r i n g i d e a s ,

c o n d u c t i n g p r o o f o f c o n c e p t s , a n d t r i a l l i n g p r o p o s i t i o n s t h r o u g h t o b e i n g a b l e t o r a m p - u p a n d a d o p t o n a w i d e -

s c a l e b a s i s t h e s a m e o f f e r i n g s . S o t h e r e ' s a g r o w i n g n u m b e r o f e x a m p l e s i n A u s t r a l i a o f b a n k s a n d o t h e r

i n c u m b e n t s w o r k i n g w i t h s t a r t u p s t o ' e x p l o r e a n d a s s e s s ' b u t h o w m a n y o f t h e s e h a v e t r a n s l a t e d i n t o f u l l b l o w n

d e p l o y m e n t s ?

T h e a m o u n t o f f o c u s a n d r e s o u r c e i t t a k e s j u s t t o k e e p t h e e x i s t i n g b u s i n e s s r u n n i n g . P e o p l e a r e s o

b u s y d o i n g t h i s t h a t t h e y d o n ' t s t o p t o s e r i o u s l y t h i n k a b o u t t h e

i m p l i c a t i o n s o f c a r r y i n g o n a s w e h a v e i n t h e p a s t . T h e y t h i n k i t ' s n o t t h e i r j o b t o t h i n k a b o u t t h e

f u t u r e , b u t t h e s e a r e t h e f o l k s t h a t w i l l b e c r i t i c a l t o c o m i n g u p w i t h

t h e i d e a s t o e n a b l e u s t o a d a p t a n d w e n e e d t h e m o n - b o a r d a s w e l l a s t h e y c o u l d d e s t a b i l i s e a n y f u t u r e

c h a n g e s

Q6. What, if anything, worries you about your organisation’s ability to adapt to FinTech?

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0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

TOTAL Traditional bankingservices/insurance/wealth management

FinTech Other

23% 18%

30%

19%

32%

18%

50%

23%

38%

64%

20%

42%

7%

0% 0%

15%

Very well prepared Reasonably well prepared Not very well prepared Not at all prepared

7

Digital Natives › Respondents were asked how well prepared their organisation is to engage with “Digital Natives” – overall, around half think their organisation is

prepared, and around half think their organisation isn’t. Those working in traditional banking industries, in particular, consider they aren’t very well prepared to engage with “Digital Natives”

INDUSTRY CURRENTLY WORK IN

Q11. Some people say that “Digital Natives” (that is, people under 30) will be the first to fully engage with the FinTech industry. How well prepared is your organisation to engage with “Digital Natives”?

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FINTECH Is the FinTech threat to traditional bank revenue real?

› In 2014, an industry report suggested that by the year 2020, as much as 30% of traditional bank revenue will be at risk due

to digital payment disruptors and longer-term lending disruptors.

› The majority of respondents believe this is realistic….

I t h i n k t h i s i s r e a l i s t i c . T e c h n o l o g y i s e v o l v i n g a t a r a p i d r a t e a n d c o n s u m e r s s t i l l

s e e t r a d i t i o n a l b a n k s a s t h e e n e m y . G e n z w i l l b e m o r e o p e n t o a c c e p t i n g c h a n g e .

F i n T e c h s a r e g o i n g a f t e r t h e k e y p r o f i t c e n t r e s f o r b a n k s ,

n o t t h e a r e a s t h a t d o n ’ t m a k e m u c h m o n e y

Y e s I d o s e e t h i s b e i n g p o s s i b l e f o r 2 r e a s o n s . . .

1 . T h e r e ' l l b e s o m e d e g r e e o f d i s i n t e r m e d i a t i o n w h e r e t h e e n d c u s t o m e r w i l l b e a b l e t o m a k e u s e o f a s e r v i c e t h a t i s p r o v i d e d b y a n e w n o n - b a n k e n t r a n t ( w h i c h

t o d a y i s b e i n g p r o v i d e d b y a b a n k ) .

2 . I n m a n y i n s t a n c e s , b a n k s w i l l b e f o r c e d t o r e d u c e r e v e n u e s t r e a m s a s a r e s u l t o f n e w s e r v i c e s c o m i n g t o m a r k e t a n d n e w b u s i n e s s m o d e l s . N P P f o r A u s t r a l i a i s a

g o o d e x a m p l e w h e r e s o m e o f t h e r e l u c t a n c e o f b a n k s t o p u s h h a r d o n t h i s i n i t i a t i v e i s b e c a u s e t h e y d o n ' t w a n t t o c a n n i b a l i s e e x i s t i n g R T G S r e v e n u e s t r e a m s .

C e r t a i n l y . I t c o s t s m e $ 3 0 t o m a k e a n i n t e r n a t i o n a l b a n k t r a n s f e r a n d i t t a k e s t h r e e d a y s . I c a n d o t h e s a m e t h i n g , t r a n s f e r r i n g

f u n d s ( w i t h b i t c o i n o r o t h e r c r y p t o c u r r e n c y ) , i n t h e c o m f o r t o f m y h o m e , a n d i t ' s a l m o s t i n s t a n t a n d c o s t s m e 2 5 c e n t s . H a n d s d o w n

t h e b e t t e r c h o i c e .

Y e s , I w o u l d s a y t h a t m y b e u n d e r e s t i m a t e d .

Q7. In 2014, an industry report suggested that by the year 2020, as much as 30% of traditional bank revenue will be at risk due to digital payment disruptors and longer-term lending disruptors. Do you think this is realistic, and why or why not?


Is the FinTech threat to traditional bank revenue real? (Con’t) › Some feel the threat to traditional bank revenue from digital payment disruptors is exaggerated…

M a n y b a n k s w i l l a d o p t t h e n e w F i n T e c h t e c h n o l o g y t o d i s t r i b u t e t o t h e i r e x i s t i n g c l i e n t b a s e a s m o r e a n d m o r e F i n T e c h s f i n d i t

h a r d e r t o a c q u i r e e x i s t i n g b a n k c u s t o m e r s . W e w i l l s e e t h e d i s r u p t i v e b u s i n e s s m o d e l s h o w e v e r b e a b l e t o s u r v i v e w i t h o u t b a n k s d i s t r i b u t i o n n e t w o r k s . T h e s e c o m p a n i e s w i l l n o t o n l y b e a b l e t o c a p t u r e b a n k c u s t o m e r s b u t d r i v e d o w n f e e s a c r o s s t h e i n d u s t r y – i n a s i m i l a r w a y o n l i n e b r o k e r s d i d a t t h e b e g i n n i n g o f t h e c e n t u r y a c r o s s t h e w h o l e b r o k i n g i n d u s t r y . B u t a s t h i s

t r e n d c o n t i n u e s o f F i n T e c h s a l i g n i n g w i t h c u r r e n t f i n a n c i a l i n c u m b e n t s t h e r e v e n u e s o f t h e b i g b a n k w i l l n o t b e u n d e r t h e

p r e s s u r e f o r e c a s t b y t h e r e p o r t .

M a y b e 5 - 1 0 % i n t h a t t i m e f r a m e . G e n Y w i l l l e a d t h i s g r o w t h .

R e g u l a t i o n s a r e a l w a y s g o i n g t o b e a d r a g o n t h e m a r k e t

T h e d i s r u p t o r s a r e a l l w o r k i n g w i t h t h e b a n k i n g m a j o r s a n d a n y d r o p o f f i n r e v e n u e f r o m o u t - d a t e d c h a r g e s f o r o n e o f f p a y m e n t s w i l l b e s u p e r c e d e d b y t h e s h e e r v o l u m e o f r e a l t i m e t r a n s a c t i o n s m a k i n g m o n e y t r a n s f e r s i n s t a n t a n e o u s l y d o m e s t i c a l l y a n d c r o s s -

b o r d e r , r e s u l t i n g i n f a r g r e a t e r c o m m e r c e a n d t r a n s a c t i o n v o l u m e s t h a n e v e r b e f o r e .

N o , b a n k s h a v e e n o u g h m o n e y t o c o n s o l i d a t e F i n T e c h s t a r t u p s w h o

w a n t t o c a s h o u t .

O v e r - e s t i m a t e . I t w o n ' t h a p p e n t h a t f a s t a n d w i t h s u c h p e n e t r a t i o n . M a y b e 1 0 y e a r s . F i n a n c i a l s e r v i c e s h a s t o b e a

c o n s e r v a t i v e g a m e . B r i g h t s h i n y t h i n g s c a t c h a t t e n t i o n b u t n e w t e c h n o l o g y i s s l o w

t o p e n e t r a t e ( a s i t s h o u l d b e ) b e c a u s e o f t h e r i s k . N o b o d y k n o w s r i s k l i k e b a n k s .

D i s r u p t i o n i s e a s i e r s a i d t h a n d o n e h e r e .

Q7. In 2014, an industry report suggested that by the year 2020, as much as 30% of traditional bank revenue will be at risk due to digital payment disruptors and longer-term lending disruptors. Do you think this is realistic, and why or why not?


Traditional banking in the FinTech age Respondents were asked what they thought was the most viable way for major banks and financial institutions to operate in the FinTech age.

› The majority of those surveyed believed partnering with FinTech companies was a viable option – all of those surveyed from the traditional banking industry considered this was an

option

› Others thought major banks and financial institutions should buy up FinTech companies

› Some felt competing directly with FinTech companies was a viable option – however, none of those surveyed from the traditional banking industry considered this was an option

› Only those working in the FinTech industry thought ‘doing nothing’ was a viable option for major banks/financial institutions

*Respondents could give more than one answer to this question

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

TOTAL Traditional bankingservices/insurance/wealth management

FinTech Other

14%

0%

15% 19%

39%

50%

40%

35%

91% 100%

90%

88%

2% 0%

5%

0%

Compete directly with FinTech Buy up FinTech companies Partner with FinTech companies Do nothing

INDUSTRY CURRENTLY WORK IN

Q8. What do you think is the most viable way for major banks and financial institutions to operate in the FinTech age?


Winners and Losers in the FinTech age › Respondents were asked if they thought FinTech would, overall, be positive or negative for a number of industries….

Consumers – 100% positive

Small Business – 97% positive

Retail – 93% positive

Telecommunications – 84% positive

Government – 80% positive

Wealth management – 80% positive

Insurance – 74% positive / 26% negative

Traditional banking – 67% positive / 33% negative

Q10. As with any disruption to a well-established industry, there will be winners and losers in the new FinTech age. Do you consider FinTech will be overall more positive, or overall more negative, for each of the following industries / sectors?


CRYPTOCURRENCIES Cryptocurrencies – good or bad? › Respondents were asked if they thought cryptocurrencies / digital currencies such as Bitcoin are a good thing or a bad thing for Australia.

› The majority – over 80% - see them as a good thing, as they provide investment opportunities, ability to capitalise on Blockchain opportunities, open markets and create competition.

P r o v i d e s A u s t r a l i a n c o m p a n i e s w i t h t h e o p p o r t u n i t y t o c a p i t a l i s e

o n B l o c k c h a i n o p p o r t u n i t i e s

T h e u s e o f c r y p t o c u r r e n c i e s i s g o o d f o r t h e f o l l o w i n g r e a s o n : P r e s e n t s a n

o p p o r t u n i t y f o r m e r c h a n t s o r b u s i n e s s t o c u t m i d d l e c o s t

T h e y c h a l l e n g e t h e s t a t u s q u o

A t t h e i r c o r e , t h e y a r e a v e s s e l f o r c a r r y i n g t r a n s a c t i o n s i n a n a u t o m a t i c a l l y s e c u r e , r e a l t i m e , c u r r e n c y a g n o s t i c w a y . I n t h e e n d i t ' s a l l s o u r c e c o d e t h a t u s e s t h e p o w e r o f t h e i n t e r n e t t o

p r o c e s s a n d c r o s s c h e c k , m a k i n g i t t h e m o s t s e c u r e a n d i n s t a n t a n e o u s f a c i l i t a t i o n o f p a y m e n t s e v e r

A u s t r a l i a h a s a l a c k o f c o m p e t i t i o n f o r c u r r e n c i e s l i k e m o s t c o u n t r i e s . B i t c o i n o f f e r s

a n a l t e r n a t i v e t o t h e A u s t r a l i a n d o l l a r w h i c h i s n o t c o n t r o l l e d b y t h e g o v e r n m e n t

U n i q u e a n d s e c u r e r e c o r d o f a t r a n s a c t i o n

C r e a t e s a l t e r n a t i v e w a y s t o i n v e s t i n o p p o r t u n i t i e s a s o p p o s e d t o c a p i t a l

W e a r e n o t u n d e r s e r v e d b y e x i s t i n g c u r r e n c i e s - t h e y a r e

f l e x i b l e a n d s e c u r e . T h e b l o c k c h a i n h o w e v e r , i s a c o m p e l l i n g

o p p o r t u n i t y

Q9a. Do you think cryptocurrencies / digital currencies such as Bitcoin are a good thing or a bad thing for Australia? Q9b. Why do you think currencies like Bitcoin are a good/bad thing for Australia?


Cryptocurrencies – good or bad? (Con’t) › Around a fifth of those surveyed felt cryptocurrencies such as Bitcoin were a bad thing for Australia, as they considered they

had the power to undermine fiscal monetary policy, and have the potential for corruption

U n d e r m i n e f i n a n c i a l s y s t e m a n d l i m i t a b i l i t y t o i m p l e m e n t f i s c a l a n d m o n e t a r y p o l i c y , n o t t o m e n t i o n t h e c h a l l e n g e s c r e a t e d f o r

t a x a t i o n a t a t i m e w h e n t o o m u c h r e v e n u e i s a l r e a d y s l i p p i n g t h r o u g h t h e c r a c k s , p l a c i n g a g r e a t e r t a x b u r d e n o n t h o s e t h a t

p a y t a x

V e r y d i f f i c u l t t o c o n t r o l

S o m e t h i n g s n e e d o v e r s i g h t t o a v o i d b e i n g u s e d f o r i l l e g a l m e a n s , c u r r e n c y f a l l s i n t o t h i s

I d o n ' t c a r e a b o u t A u s t r a l i a . I o n l y c a r e a b o u t m y s e l f . F o r m e i t i s u n r e g u l a t e d , i . e . c a n d i s a p p e a r w i t h o u t a

t r a c e . T h e m o m e n t i t i s r e g u l a t e d i t i s a d i f f e r e n t m a t t e r

Q9a. Do you think cryptocurrencies / digital currencies such as Bitcoin are a good thing or a bad thing for Australia? Q9b. Why do you think currencies like Bitcoin are a good/bad thing for Australia?

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The next wave of disruptors

14

THE FUTURE

T h e y h a v e t h e c l i e n t r e l a t i o n s h i p a n d a r e a l r e a d y c o m f o r t a b l e p l a c i n g t r a n s a c t i o n s w i t h t h e m . T r u s t e d

t e c h n o l o g y c o m p a n i e s , t h e y h a v e t h e s u r p l u s f u n d s t o b u i l d a n d m a r k e t n e w s o l u t i o n s . I t h i n k t h e y w i l l b u y

a n d t h e n b u i l d o n t o o f p r o m i s i n g s o l u t i o n s .

› Respondents were asked if in 3 years’ time they thought companies like facebook, Google, Apple and Amazon will be offering financial products, and what (if any) perceived barriers exist to them doing so.

› A large proportion of those surveyed thought these companies would be offering financial products in the future

› Regulatory issues were seen as barriers to implementation. Perceived trust between customer and bank was seen as a lesser issue

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Credit Cards Insurance Personalloans

Mortgages None ofthese

72%

65% 63%

33%

23%

R e g u l a t o r y a n d c o m p l i a n c e - t h e y a r e c o m p l e t e l y d i f f e r e n t i n e v e r y c o u n t r y , v e r y

h a r d t o g l o b a l i s e .

I n i t i a l l y e x p e r t i s e a n d t r u s t . T h e y w i l l o v e r c o m e t h i s f a i r l y q u i c k l y

R u s t e d o n c o n s u m e r s , o l d e r p e o p l e t h a t n e e d a b r i c k a n d m o r t a r e x p e r i e n c e

G o v e r n m e n t r e g u l a t i o n , f u n d i n g , h o l d i n g o f s u b s t a n t i a l l i q u i d a s s e t s t o o f f s e t f a i l u r e ,

b a n k i n g i n s t i t u t i o n s , c o n s u m e r a c c e p t a n c e .

P r o t e c t i v e r e g u l a t i o n s f r o m g o v e r n m e n t s t h a t b e n e f i t s h o m e f i n a n c i a l s e r v i c e s f i r m s

R e g u l a t i o n a n d b a r r i e r s o r c h e s t r a t e d b y i n c u m b e n t s .

Q12a. In 3 years’ time, do you think that companies like facebook, Google, Apple and Amazon will be offering any of the following? (Please mark all that apply) Q12b. What do you think the barriers will be to [above] offering these types of financial products in the future? Q12c. Why do you think companies like [above] won’t be offering these types of financial products in the future?

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CONTACT US

Glen Frost Director, Frocomm Aust & Founder, FinTech Summit Telephone: +61 (0) 417 497 736 [email protected] FinTech Sydney MeetUps: http://www.meetup.com/FinTech-Sydney/ Connect with me on LinkedIn: http://au.linkedin.com/in/glenfrost/

Karen Schwensen Research Centre Manager Roy Morgan Research 401 Collins St, Melbourne VIC 3000 Telephone: (03) 9629 6888 [email protected] www.roymorgan.com ISO 9001:2008 Quality Management Systems ISO 20252:2012 Market, Opinion and Social Research

mailto:[email protected]

http://www.meetup.com/FinTech-Sydney/





http://au.linkedin.com/in/glenfrost/



mailto:[email protected]

http://www.roymorgan.com/

FinTech Survey June 2016 by Roy Morgan

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Transcript of FinTech Survey June 2016 by Roy Morgan