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.

They started Harmoney to change this.

Peer-to-peer 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. Harmony brought the change to New Zealand in 2014, and now they’re bringing it to Australia.

They 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.

They don’t believe that money is everything, but they do believe it’s an effective tool to remove barriers, and find a balance between what people want, and what they need.

They believe that peer to peer lending is changing the way that the world borrows and invests.

Harmoney have brought the change to Australia.