In 2025, Fourteen trailblazing teams joined the ranks of Fintech Lab alumni like Sharesies, Hnry, Tapi, Cove Insurance, and First AML — compressing a year’s worth of progress into an intensive 3-month accelerator.
Fintech startups drive job creation, build wealth and generate valuable intellectual property for New Zealanders, tackling our anti-competitive banking industry head-on. Their success is already sending ripples through one of Aotearoa’s fastest-growing tech sectors.
Meet the teams in Creative HQ’s Fintech Lab 2025
Scores4All
Founder: Carolyn Röhm
Scores4All advances responsible lending beyond the decision to extend credit, helping organisations proactively support customers throughout their financial journey. Starting with expert models that evolve into data-driven empirical models over time, we identify early signs of financial strain, enabling our clients to take proactive steps to reduce arrears and improve repayment behaviours. Our solutions simplify credit risk management, empowering businesses to deliver better outcomes for their customers and their bottom line.
Location: Auckland
Website: scores4all.io
LinkedIn | Instagram | Facebook
Otto
Founders: Tomas van Ammers, Evan Hanson
Otto is a rewards program for your money. Designed to help build good financial habits by making finance fun, we use games and rewards to keep people motivated as they work towards their goals. With open banking, Otto’s users can keep track of all of their accounts in one place, compare offers from different financial services providers, and make sure they’re getting a fair deal.
Money doesn’t have to be boring. Let’s make it interesting.
Location: Wellington
Website: getotto.nz
LinkedIn | Instagram
Money Sweetspot
Founder: Sasha Lockley
Money Sweetspot is a Fintech social lender that works alongside Kiwi of all income levels to help them regain control of their finances. The first of its kind worldwide, Money Sweetspot enlist an empathetic approach to working with people to move out of debt and on with life. They create a financial ‘reset’ for customers by consolidating debt at lower interest rates, rewarding their customers engagement in financial education, and celebrating when they lose their customers. Real people. Real life. Out of debt. On with living.
Location: Auckland
Website: moneysweetspot.co.nz
LinkedIn
IPromise
IPromise is an app that collects payments for goods or services before they are provided and keeps them in an independent trust account – “everyday Escrow”. This ensures suppliers/sellers get paid immediately, every time, when the agreed job is completed or the goods are delivered.
Location: Taranaki
Website: ipromise.co.nz
LinkedIn | Instagram | Facebook
Sevaka
Founder: Clive Fernandes
We provide Artificial Intelligence Financial Advisers to the Superannuation Industry. Super funds use our technology to interact with their members via voice, chat and email. This allows them to service and understand their existing members better.
Indigishare
Founders: Maria Ngawati, Serena Lal
IndigiShare is launching Te Waharoa, a payment gateway grounded in Māori values that is in service to, and will benefit all our communities.
Location: Hamilton & Wellington
Website: indigishare.co.nz
LinkedIn
Rebit
Founders: Mahtab Assadian, Ali Haghnia
Rebit Money Transfer offers a secure, seamless platform for communities to transfer cross-border funds at a low cost. Utilising biometric verification ensures smooth onboarding, while an international network of local operators in different countries facilitates the process of orders and supports customers 24/7. Buyers and sellers can leverage an escrow service to trade currency reliably and track their orders transparently. Rebit empowers individuals to achieve financial equality.
Location: Wellington
Website: rebit.co.nz
LinkedIn | Instagram
Homely
Founder: Roy Chowdhury
Homely is a digital mortgage assistant that makes it easier for Kiwis to buy their home. Our cutting-edge AI simplifies the application process and empowers lenders to make swift, informed credit decisions. Homely’s marketplace levels the playing field, ensuring fair competition among lenders of all sizes and better outcomes for aspiring homeowners.
Location: Auckland
Website: homely.co.nz
LinkedIn
Indus
Founders: Jai Goradia, Vivek Parashar, Andrew Arthur, Chandra Gowda
Indus is the gateway to India’s explosive growth. In just 3 minutes, anyone outside India can invest in mutual funds and stocks – no Indian bank account required. We handle every detail – foreign exchange, taxes, and compliance so customers can effortlessly grow their wealth in the world’s fastest-growing economy.
tandym.
Founders: Shane Tracey O’Connell, Grant Sweeney
Every day, investment groups across the globe – from family trusts to share clubs, property syndicates to startup investor groups – face the same fundamental challenge: there’s no modern platform for collective investing. Project Mosaic automates complex administrative tasks while adding social features that make group investing more engaging.
Powering the future of social investing. Join the wait list.
Location: Napier & Auckland
Website: projectmosaic.click
LinkedIn
Goldie
Founder: Campbell Maclachlan
Goldie is an innovation-led platform & the first in Australasia to allow everyone to own fractions of real high-value assets (like gold, silver, art & collectibles) at market prices that disrupt the industry. With secure NZ treasury grade storage & no middlemen, we create a unique, engaging user experience that digitally connects users to their real investments, aiming to change the face of investing in Aotearoa.
Location: Auckland
Website: getgoldie.co.nz
LinkedIn
PolicyCheck
Founders: Simon Archer, Matthew Nauer, Andrew Clouston, Graeme J
We believe insurance should be easy to understand, not a source of confusion or stress. Too often, consumers are left wondering what they’re covered for—and more importantly—what they’re not covered for. PolicyCheck equips brokers with an AI agent to simplify complex policies, highlight exclusions, and tailor recommendations to individual needs.
Location: Wellington
Website: www.policycheck.co.nz
LinkedIn
eccuity
Founders: Charles Meadon, Abinesh Krishan
An intelligent investment platform bringing the best of wealth management to self-directed investing.
Location: Auckland
Website: eccuity.com
LinkedIn
Paysquad
Founder: Cam Richardson
Paysquad is the first ‘buy now, pay together’ — a group payment option at retail, ticketing, and travel checkouts.
Location: Invercargill
Website: paysquad.co
LinkedIn | Instagram | Facebook
Thank you to our programme Foundation Partners for making Fintech Lab 2025 happen: Mastercard, Callaghan Innovation (now MBIE)
Our Lab Partners: WellingtonNZ, NZ Growth Capital Partners and Banzpay
Our Investment Partners: NZ Fintech Fund and Booster NZ
Along with our Lab Supporters: FintechNZ, NZ Financial Markets Authority, PaymentsNZ, GridAKL and Salamander Advisory
