The Australian & New Zealand finance markets are dominated by some of the most profitable banks in the world. Largely unchallenged and unchanging, the banks have reaped massive profits while leaving Aussies and Kiwis with little in the way of alternatives.
We started Harmoney to change this.
Online lending marketplaces have been disrupting the traditional finance market around the world by using technology to minimise the cost of financial intermediation, and passing the benefits to customers. We brought the change to New Zealand in 2014, and now we're bringing it to Australia.
We built Harmoney from the ground up to create a better financial experience. Better because it’s branchless. Better because it’s a transparent, two-sided market. And better because it’s not focused on institutions, but on people.
We don’t believe that money is everything, but we do believe it’s an effective tool to remove barriers, and to find a balance between what people want and what they need.
We believe that online marketplace lending is changing the way that the world borrows and invests.
We’ve brought the change to Australia.
Welcome to Harmoney.