1、UNLOCKING GROWTH:How Fintech Payment Solutions Empower Small BusinessesFinTech Australia LimitedLevel 5/11 York StreetSydney NSW 2000CONTENTS0102Executive summaryFintech has played a pivotal role in transforming Australias payments system over the last decadeFintech payment solutions have enabled sm

2、all business growth through increasing revenue and decreasing costsFintech payment solutions have delivered broad-based benefits across different use cases for small businessesAppendix030405This document is intended for general informational purposes only.The analysis in this report was commissioned

3、 by FinTech Australia and prepared by Mandala.FinTech Australia acknowledges the support of its members in the preparation of this report,including Block,Inc.,Smartpay and Stripe,Inc.Mandala is an economics research and advisory firm.Mandala specialises in combining cutting-edge data and advanced an

4、alytical techniques to generate new insights and fresh perspectives on the challenges facing businesses and governments.Views and opinions expressed in this document are prepared in good faith and based on Mandalas knowledge and understanding of its area of business,markets and technology.Opinions e

5、xpressed herein are subject to change without notice.No part of this document may be reproduced in any manner without the written permission of Mandala.January 2025Note:All dollar figures are Australian dollars unless indicated otherwise.GLOSSARY AND DEFINITIONSTERMAccount-to-account(A2A)payment sol

6、utionsFintech PSPCross-border payment solutionsIssuer-AcquirerPayfacBuy-Now-Pay-Later solutionsIn-person payment solutionsOnline payment solutionsFintech payment solutionLarge AcquirerMobile wallets PSPPayment services that allow money to be transferred directly between two bank accounts,often insta