年均快速增长50% 四年3起并购 Fintech明星股Novatti全球业务生态初成 如何延续高成长逻辑？

种合作伙伴关联，仅限于与账号、账号偿还债务、中才会国招商中央银行、Ripple、Stella、Visa、ACS以及很多全球性性日本公司的合作伙伴。可以说，通过仅限于发牌、合作伙伴关联和应用，我们早就订想到一种可亦然续的竞争性占优势。

Q4: ACB News 澳华政经网络应用软件服务于：您以前提过，Novatti与账号、账号是合作伙伴关联，并且Novatti在2018年自始设了中才会国五金务偿还债务系统Chinapayments，让中才会国市民所需偿还债务塔斯马尼亚的分钱，这块五金务过去运营的怎么样？

丹尼尔·克拉克：这是一项伟大的自始重新。实际上这个商五金想法来自于我们的一名中才会国技术人员。通过Chinapayments，中才会国的大众，无论身在中才会国还是塔斯马尼亚，只要所需应用于账号偿还债务、账号或招商中央银行，就可以直接偿还债务在亚太地区地区的分钱，仅限于亚太地区地区的电话费、承揽以及其他奢侈品服务于，费用将直接从他们在中才会国的信用卡中才会扣除。从我们掌控的文档来看，这项自始重新几乎是全球性首次。对中才会国大众而，在亚太地区地区用他们的中才会国信用卡来付账，能让偿还债务变得简单和不易，并且比较划算。

Q5: ACB News 澳华政经网络应用软件服务于：中才会国内长可以通过Chinapayments偿还债务薪水吗？

丹尼尔·克拉克：可以。事实上，很多中才会国很多学生或者他们的父母所需偿还债务亚太地区地区大学和学校的薪水，也要偿还债务公寓管理费以及其他服务于费用，仅限于电话费、电费或水费等。这些都可以用ChinaPayments偿还债务，比较的方便。

Peter Cook网络应用软件服务于不能接受本网受访（图表举例来说：ACB News）

Q6: ACB News 澳华政经网络应用软件服务于：您对5年后的ChinaPayments有什么样的渴望?

丹尼尔·克拉克：现阶段我们一直在扩大五金务数量，与上次同期来得这块五金务增加亲率约为100%。我们已得不到账号、账号偿还债务和招商中央银行偿还债务的强有力支亦然，他们确信ChinaPayments可以给供应商导致一次性服务于。如果我们所需保亦然极好每年50%-100%的增加亲率，五年后总融资额不必要增加到10亿澳元数量，并且ChinaPayments所需无论如何鼓励到往返于中才会澳，在亚太地区地区仅限于房产，在澳留学生或有任何亚太地区地区分钱偿还债务期望的中才会国市民。

Q7: ACB News 澳华政经网络应用软件服务于：2022第三季度月初，Novatti借助于高速增加，的销售计入提高51%，超过1110万澳元。哪个五金务业务部门对计入的功绩小得多？

丹尼尔·克拉克：我们紧接著四年都在以每年约50%的较快增加。在战略思想层面，我们的尽可能是至少保亦然极好这一增长较快。值得注意的是，Novatti框架的金融市场融资检视五金务一直在以每年差不多100%的较快增加。另外有一些历史悠久的应用业务部门，它们的增加相较较慢，我们的基本上增长较快受到影响而有所减低。但实际上，如果保亦然极好每年50%的增加，Novatti也才会沦为一家比较大的日本公司。当然，来得更进一步一年，我们首先要通过营业收入关卡。

Q8: ACB News 澳华政经网络应用软件服务于：你确信月初Novatti想到过的关键的坏事是什么？

丹尼尔·克拉克：关键的坏事是关机了计单五金务，过去我们可以让商家接计应用于VISA卡、ACS和招商中央银行卡的奢侈品退款。日后过两年，这很可能沦为Novatti小得多的石头五金务。面世计单五金务的同时，我们的日出版五金务数量也有所增加。随着来得多服务于推向市场，我们的增加亲率大大攀升。另一件事是，月初我们在泰国计购了一家来由ATX的日本公司，这是Novatti第一次未完变成外地计购，这起融资将驱动我们更进一步增加。说道外地五金务，Novatti过去有一支团队早就西欧积极参与运营，我们还在美国布防了一个五金务小组，的销售来由Emersion的帐单服务于。

丹尼尔·克拉克：Corporation与战略思想注资在金融市场生物科技行五金极度普遍，Novatti也有很多计购活动。上次6月，我们宣布战略思想性计购澳交所并购日本公司Reckon (ASX:RKN)部份亦然股，Novatti过去仅限于该日本公司19.9%的亦然股。

Q10: ACB News 澳华政经网络应用软件服务于：这些计购犹如的情况是什么？Novatti将如何从Reckon的才会计软件包五金务中才会受惠?

丹尼尔·克拉克：Reckon意大利坎波巴索仅限于才会计软件包，作为SaaS （软件包即服务于）的企五金，他们有差不多10万名顾客。Novatti过去仅限于Reckon 19.9%的亦然股，是他们的小得多股东。通过注资这家日本公司，Novatti可以向他们总共10万名的供应商仅限于偿还债务服务于。事实上，在五金务推广上我们进展很急于。接下来三四年之中，我们决心所需向Reckon的许多供应商仅限于Novatti的偿还债务服务于。如此来看，等同我们仅限于一个10万多人的非常大潜在市场。同时，Reckon的营业收入水平比较好，仅仅作为该日本公司的注资者，我们现阶段每年可计到100多万澳元的股息。这是一项比较好的注资。

Q11: ACB News 澳华政经网络应用软件服务于：在你看来，全球性B2B偿还债务生态的来得更进一步是怎样的？您如何忽略来得更进一步前程？

丹尼尔·克拉克：来得更进一步在B2B偿还债务领域，我们将认出很多基于区块链网络应用软件的自始重新，并且相异国内密切关系，相异国内的的企五金密切关系才会出现来得大程度的构建。比如，亚太地区地区和中才会国有大量贸易往来，并且对华贸易预料将亦然续增加，人们决心所需来得为不便地未完变成退款，的企五金与的企五金密切关系也决心所需高效慢速地未完变成偿还债务，Novatti致力于为此仅限于高效亲率，并未完变成了提前布局。我们深度已作准备多个区块链战略思想，一并布防区块链中才会的稳固钞票，为来得更进一步的实际应用想到准备，比如不必要主要用途中才会国货币政策小数货钞票系统性的合作伙伴上。除此外，我们也在推广其他传统意义偿还债务服务于，仅限于与中才会国偿还债务日本公司自始设密切合作伙伴关联。现阶段我们和招商中央银行、账号和账号偿还债务仅已自始设极好合作伙伴关联。

Q12: ACB News 澳华政经网络应用软件服务于：您能详细概述下Novatti早就自始设的偿还债务生态吗？从相异不足之处，比如应用、特许、合作伙伴关联以及Novatti的团队。

丹尼尔·克拉克：在我们看来，如果你是一家制做的企五金，能源供应所指的是制做各种设备的工厂，作为一家偿还债务日本公司，能源供应则是与其他偿还债务日本公司、与中央银行合作伙伴的潜能，以及不必要应用于其服务于的潜在供应商。以前说道，我们新建能源供应的第一步是给予系统性特许，然后所需合作开发大量重新应用。Novatti有许多比较先进的自始重新应用应用软件，另外，由于Novatti是亦然有偿还债务服务于特许的并购日本公司，凭借这重占优势，我们从未与许多日本公司达变成合作伙伴，比如与账号偿还债务、账号、招商中央银行的合作伙伴。Novatti是亚太地区地区仅限于全球性合作伙伴关联的大型日本公司之一。借此为进一步将，面对有金融市场融资服务于期望的日本公司，Novatti所需仅限于管理制度的特许和应用，并通过我们的偿还债务系统为这些日本公司仅限于服务于。

Peter Cook网络应用软件服务于不能接受本网受访（图表举例来说：ACB News）

Q13: ACB News 澳华政经网络应用软件服务于：我们来说好Novatti的来得更进一步脆弱性。当我们注资一家日本公司的时候，我们注资的是这家日本公司的来得更进一步。2019年，Novatti的尽可能是沦为亚太地区地区领先的服务于族裔人士的中央银行。三年即使如此了，这还是Novatti想尽办法借助于的尽可能吗？

丹尼尔·克拉克：这所需分几点来回答。首先看下Novatti及我们偿还债务五金务的蓬勃发展状况。Novatti的计入正以每年50%的较快增加，按照计划将在一到一年半的整整内借助于正向营五金现金流。来得更进一步我们的尽可能是蓬勃发展沦为一家都曾遍布全球性的大型偿还债务日本公司。除偿还债务五金务外，我们从未在亚太地区地区申请人了中央银行发牌，并且预料很快才会抢到。有了中央银行发牌后，我们将主要服务于本地族裔和的企五金，以及日后一来澳或在亚太地区地区有潜在商五金、家庭关联的人士。他们确实身在其他国内，但凭借在塔斯马尼亚的中央银行发牌，我们将可以为他们仅限于各类中央银行服务于。Novatti将才会沦为一家自始重新性小数中央银行，专门服务于重点供应商，比如，在亚太地区地区有母亲或贸易往来的中才会国人，或者想到亚太地区地区来的中才会国人。Novatti的中央银行五金务现已未完变成到审批的最后阶段。

Q14: ACB News 澳华政经网络应用软件服务于：如果Novatti能在今年抢到中央银行发牌，对Novatti来讲到理论上什么？

丹尼尔·克拉克：我们今年抢到中央银行发牌的可能性很高。如果急于达变成，作为一家并购日本公司，Novatti可以说未完变成了一件格外不便的事。从股价角度讲到，重新注资者才会留意到Novatti，并对日本公司脆弱性亦然比较积极的看法。给予中央银行发牌后我们将可以推广重新的中央银行服务于，并吸纳来得多重新供应商。中央银行服务于本身也才会在两三年内沦为一项可见一斑营业收入潜能的五金务。

Q15: ACB News 澳华政经网络应用软件服务于：我们日后来说好Novatti的合作伙伴关联。Novatti日后一给予中央银行发牌，并且从未与全球性多家偿还债务日本公司自始设了合作伙伴关联。这些合作伙伴关联对Novatti理论上什么？Novatti如何从这些合作伙伴关联中才会给予计入？又如何想到到将集团偿还债务生态效益二阶？

丹尼尔·克拉克：自始设全球性合作伙伴关联，理论上Novatti从未沦为整个偿还债务生态中才会的重要一员。举个例子：Novatti在重新西兰仅限于日出版游戏内的管制特许，并在当地与Visa有合作伙伴关联。BNPL日本公司Afterpay决心在重新西兰日出版虚拟Visa卡，所以与Novatti签署了合同，由我们为他们日出版游戏内。从本质上讲到，正是这些合作伙伴关联，比如重新西兰的日出版特许加上与Visa的全球性合作伙伴关联，给我们导致了AfterPay这样的大供应商。与此同时，在亚太地区地区，我们与区块链日本公司Ripple自始设有合作伙伴关联，通过这层伙伴关联，我们又与许多亚太地区国内的日本公司沦为合作伙伴。他们乐意与Ripple和Novatti自始设合作伙伴。可以说，全球性合作伙伴关联最终能为我们导致来得多五金务。

Q16: ACB News 澳华政经网络应用软件服务于：从来得更进一步大不相同，您决心5年不久Novatti才会沦为怎样的日本公司？

丹尼尔·克拉克：五年后，我决心Novatti沦为一家市值数十亿澳元的日本公司，专营都曾遍布全球性，沦为全球性上小得多的偿还债务日本公司之一。

ACB News 澳华政经网络应用软件服务于：我们渴望这一天的到来。本次受访到此结束。比较感谢您抽出整整不能接受受访。

丹尼尔·克拉克：谢谢。

附：说好话日文版

——Interview with Novatti CEO Peter Cook——

Q1: ACB News：Today we are very pleased to have Peter Cook，the CEO of Novatti Group (ASX Code: NOV) to join us. Welcome Peter. We know that you have over 25 years experience as a director and executive with multiple companies. Could you please introduce more about yourself to our readers?

Peter Cook: Hello, ACB News readers. My background is in building businesses both in australia and overseas where it's really been at the interface of new technologies and building customer bases. So my background was really in telecommunications businesses and then for the last 10 to 12 years in financial services businesses where we bring new technologies to market and enable consumers to improve their lives by the advent of new new technology. So you know, in an earlier time I was a pioneer in prepaid mobile telephone and then more recently in financial services with new sorts of digital wallets issuing and acquiring businesses and things like that. All of which is being done under Novatti group limited which is a ASX listed company.

Q2: ACB News：Can you please tell us more about Novatti's business ? What are Novatti's revenue streams?

Peter Cook: So Novatti is a business-to-business payment service provider. And by that I mean that we have built an ecosystem, a lot of infrastructure, that enables us to provide payment services for other banks and financial services companies or foreign businesses and merchants. So when we talk about an ecosystem in payments, we talked about licenses technology and commercial partnerships. So, for instance Novatti has licenses in Australia and a number of other countries granted by regulators. We also have licenses from visa and MasterCard, from China Unionpay, Alipay, WeChat pay and other companies that enable us to operate certain businesses. We've got a lot of fintech technology and then, of course we've got commercial operations teams in Australia, Europe and Asia that enable us to run our business.

Q3: ACB News：Let us talk about Novatti's competitive advantages and current situation. How does Novatti differentiate itself from other industry players.

Peter Cook: We see that the single most important thing if you're offering financial services is to have relevant regulatory licenses. So everything we do is based around licenses. We see that as the core bit of infrastructure and as I said before we've got licenses in Australia and a number of overseas countries and in fact applying for more licenses all the time. So a true competitive advantage is having licenses which take a long time to get and not every company can get them. And then on those licenses, we have partnerships with AliPay, Wechat Pay, ChinaUnionpay, Ripple, Stella, Visa, Mastercard, many many global companies. So by having the licenses the partnerships and technology, we can build a sustainable competitive advantage.

Q4: ACB News：As you mentioned before Novatti has partnership with Wechat，Alipay and Novatti established ChinaPayments in 2018 which provides Chinese residents with a solution for Australian bills payments. How's the business going now?

Peter Cook: That has been a really great innovation. So it actually started off from one of our Chinese staff members who suggested this business idea. What we've enabled is Chinese consumers whether they're in China or in Australia who've got WeChatpay Alipay or Unionpay, they can pay Australian bills or you know, telephone bills, utility bills and other consumption services directly from their wallets in China. So this is allowed. It's nearly a first in the world as far as we understand. This innovation makes it simple and easy and very cost effective for Chinese consumers to use their Chinese wallets to pay bills in Australia.

Q5: ACB News：Can Chinese parents pay the tuition fee via ChinaPayments?

Peter Cook: They can. And in fact, we see that many Chinese students or their parents are paying university and school fees in Australia. They're also paying rent on apartments. They're paying other service fees. That might be telephone bills. It might be their electricity or water bills. All of those can be paid with ChinaPayments. That's very convenient.

Q6: ACB News：So what's your vision for ChinaPayments after 5 years?

Peter Cook: So at the moment we've been growing the business at about 100 percent year-on-year We have very, very strong support from Alipay, WeChat pay and Unionpay because they see that it's a great way to bring a service to the their customers. So if we create growing that at between 50 and 100 percent year-on-year, that could be doing a billion dollars of gross transaction value, really helping between China and Australia for Chinese residents who have got properties or students or bills to pay in Australia.

Q7: ACB News：In the first half financial year 2022, Novatti has achieved a high growth, fifty-one percent increase in sales revenue to 11.1 million. Which sector contributes the most revenue?

Peter Cook: So our total growth rate has been growing at about 50 percent per year for about four years in a row, and at a strategic level we aim to at least keep that growth rate going. Interestingly, in our core business of what we call financial transaction processing, we've actually been growing at about 100 percent per year. So the growth rate is slightly slowed down by having some historic technology businesses that have slow growth rates. But actually if we keep growing at 50 percent per year, we will become a very large company and of course, go through the profit barrier in the next year or so.

Q8: ACB News：What do you think was the most important thing Novatti has done in the first half year?

Peter Cook: So the most important thing is we've launched what's called an acquiring business, which is where we enable merchants to take payments from consumers with Visa card, MasterCard, and Unionpay and that will be, I would say, in two years time, that may well be the largest part of our business. So we've launched that and then what's called our issuing business has also doubled in size. So we're bringing more and more services to market, and you can see the growth rate really escalating. The other thing is in the first half of last financial year which finished in December, is we bought a company in Malaysia called ATX, and so that's our first overseas acquisition and then ATX will increase our growth rate as well And in fact, just talking about overseas, we've also now got a significant team operating in Europe and we've also deployed a team in the USA selling our billing service called Emersion.

Q9: ACB News：So Novatti now has teams in Australia Asia, Europe and the US. As you mentioned, Novatti now has branches in different countries and areas. So let us talk about the partnerships and expansion plan.

Peter Cook: Merge & acquisition and strategic investments are quite common within the fintech industry. Novatti has a lot of acquisition activities as well. Last June, Novatti announced acquisition of strategic stake in Reckon Limited (ASX:RKN). now Novatti has successfully acquired a 19.9% interest in Reckon.

Q10: ACB News：What are the reasons behind those acquisition？How does Novatti benefit from Reckon’s accounting software business?

Peter Cook: Yes, so just quickly. Reckon provides accounting software. As a SAAS (software as a service) business, they have about 100,000 customers and Novatti team now owns 19.9%. So we are their largest shareholder. The reason that we have invested in the company is that we can offer payment services to their one hundred thousand customers. And we are well progressed with launching services to those hundreds thousand customers. So over the next three or four years we would hope to be able to provide payment services to many of those customers. You can take a view that we now have a large addressable market of 100,000 plus customers that we can offer Novatti's payment services to. The other thing, which is very good is, the Reckon is a very profitable company and we receive at the moment over a million dollars a year in dividends just by being an investor in that company. It's a very good investment.

Q11: ACB News：From your perspective, what future we may see in global B2B payments ecosystem? How do you see the future opportunities？

Peter Cook: In future B2B payments, we see a lot will be based around blockchain networks and a drive for greater integration between countries and businesses between countries. So, for instance, between Australia and China, there is a lot of trade, and we see that the trade will continue to grow. people want to be able to pay. Each business wants to be able to pay the other business efficiently. Novatti is the method of dealing. Looking at this innovation in the future is that we're very involved in a number of blockchain strategies and in fact we will be deploying a stable coin which could work, for instance, with the China Central Bank digital currency. So we'll be deploying stable coin services. We’re also doing other modern payment services and trying to work very closely with Chinese payment companies. And, of course we're already doing with Unionpay, Alipay and WeChat Pay.

Q12: ACB News：Can you please introduce more information about the ecosystem that Novatti is building? Could you describe it in different aspects, like technology, license, partnership and Novatti's team?

Peter Cook: Okay, so just going back to how we think about infrastructure. If you're a manufacturing company you think about infrastructure as the assembly lines to all of the equipment you need to manufacture. As a payments company, infrastructure is about your ability to work with other payments companies and banks and the customers that are going to use your service. So as I've said earlier that the first part of how we think about infrastructure is being licensed, then we build a lot of technology. We've got a number of very modern innovative technology platforms. And then, of course we use our status as a public-listed company with licenses to get agreements with companies such as WeChat Pay, Alipay, Unionpay and others. So Novatti is now one of the major companies in Australia with global partnership. So with these global partnerships there are companies that want to do business. We have the right licenses and technology and then we can service those companies with our infrastructure.

Q13: ACB News：Thank you. Let us talk about the future vision because when we invest in a company we invest in the future of the company. Novatti aimed at creating Australia’s leading migrant bank in 2019. Three years later, is this still the goal for Novatti?

Peter Cook: So a few things there. Let's just look at Novatti and the payments business. We've been growing at about 50% per annual and we should become cash flow positive in about a year to 18 months time. That is the plan and become a very large payments company with a global footprint which we've already discussed. We've also applied for a bank license in Australia, and we think，we are very close to being issued that bank license. With the bank license, our business plan is about providing services for migrants and businesses and people that are coming to Australia or potentially have relationships in Australia. And maybe they're in another country, but we'll be using our Australian bank license to provide banking services for people that have relationships with Australia. So it'll be a digital bank. It'll be very innovative and it'll be focused on servicing, for instance, people from China who have got relatives or businesses in Australia, or want to come to Australia. Novatti’s banking business remains at the final stage to get approval.

Q14: ACB News：If Novatti gets banking license this year, what does it mean for Novatti?

Peter Cook: If we get the banking license this year, which I think is highly likely, then it will first of all, I think it'll mean in the share market sense, the company will be, new investors will look at the company and take a very positive view on the company, because we've done a very difficult thing as a public listed company. We're bringing in gaining one of these bank licenses. It will also allow us to deploy new services and bring on many new customers to use our banking services. And, of course the bank will become a very profitable business within two or three years itself as well.

Q15: ACB News：Let us go back to talk about partnerships more. As Novatti is getting banking license soon, Novatti formed partnerships with global payments leaders. What do those partnership mean for Novatti? How can Novatti leverage its ecosystem and generate revenue from its partnerships?

Peter Cook: So the global partnerships, in the end mean that you're nearly an important player in the payments ecosystem. Let me give you an example, Novatti has a regulatory license in New Zealand to be an issuer to issue cards. We have a partnership with Visa in New Zealand and then Afterpay, the buy now pay later company, wants to issue virtual Visa cards in New Zealand, so Afterpay contracted with Novatti to do that issuing for them. So essentially the partnership, the license in New Zealand plus the global partnership with Visa brought us a major company，such as Afterpay to be a client in New Zealand. At the same time, in Australia we have a partnership with Ripple, the blockchain company, and because of that partnership, we've been able to get partnerships with companies in a number of Asian countries, who want to work with Ripple and then Novatti as a result. So the global partnerships in the end, bring business to us.

Q16: ACB News：Thank you, Peter. From your personal perspective, Can you tell us a brief picture of Novatti in five years？

Peter Cook: In five years time, I would hope that Novatti is a multi-billion dollar company with extensive operational footprint around the world and that we are one of the major payment companies in the world.

ACB News：We are looking forward to seeing that. This is end of this interview. Thank you so much for your time today, Peter.

Peter Cook: Thank you.

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