Highlights

  • Digital payments infrastructure and banking-as-a-service platform serving Asia-Pacific corridors
  • Transaction volumes growing as fintech and enterprise clients scale on Novatti's platform
  • Regulatory licences across multiple jurisdictions support compliant cross-border payment solutions
  • White-label payment solutions enabling financial institutions to offer digital payment products

Novatti Group Limited (ASX:NOV), trading at A$0.016 as at 30 October 2026, is an ASX-listed fintech company providing digital payment infrastructure, banking-as-a-service, and cross-border payment solutions to fintech companies, enterprises, and financial institutions across Asia-Pacific payment corridors, processing growing transaction volumes through its licensed payment platform and white-label banking solutions.

Digital Payments Infrastructure: Core Platform

Novatti's core business is the provision of regulated digital payment infrastructure that enables clients to send, receive, and convert money across international payment corridors, manage digital wallets, and access payment processing services for their own customers. The Company operates its own payment platform technology that is connected to banking partners, payment networks, and correspondent banking relationships across Asia-Pacific markets. Novatti holds regulatory authorisations and payment licences in multiple jurisdictions including Australia, the United Kingdom, and other markets, which are a critical prerequisite for operating compliantly in regulated payment markets. The combination of proprietary technology and multi-jurisdictional licensing is a meaningful barrier to entry for new payment infrastructure providers.

Banking-as-a-Service: White-Label Solutions

Novatti's banking-as-a-service (BaaS) offering provides financial institutions and non-bank companies with the ability to offer banking and payment products to their own customers under their own brand, powered by Novatti's licensed infrastructure and technology. White-label BaaS solutions allow banks and non-bank financial institutions to rapidly deploy new payment products – digital wallets, prepaid cards, payment processing – without building the underlying infrastructure from scratch. This model generates recurring revenue for Novatti through volume-based transaction fees and platform access fees. BaaS is one of the fastest-growing segments of the global fintech sector as banks and enterprises seek to rapidly deploy digital financial products.

Asia-Pacific Payment Corridors

Novatti has built its business around Asia-Pacific payment corridors that connect Australia with Southeast Asian, South Asian, and Pacific Island markets. These corridors are used by migrant workers, small businesses, and online merchants for cross-border money transfers and payments. The combination of Australia's large migrant communities sending remittances home and the growth in cross-border e-commerce between Australia and Asia creates significant transaction volume in these corridors. Novatti's licensed and compliant payment infrastructure provides a regulated alternative to informal and unregulated transfer channels, competing on the basis of price, speed, and reliability.

Growth Strategy and Path to Profitability

Novatti's growth strategy is focused on scaling transaction volumes across its platform through deepening relationships with existing clients and onboarding new fintech and enterprise clients who can leverage Novatti's infrastructure for their own payment products and customer base. Higher transaction volumes generate more revenue from the Company's volume-based fee model without proportionate increases in fixed costs, creating operating leverage toward profitability as the platform scales. Management has identified reaching a self-sustaining revenue base that covers operating costs as the near-term priority, reducing the Company's reliance on periodic equity capital raises for operating funding.