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Protecht for fintechs.

Scale securely. Prove compliance.

Build a connected risk and compliance framework without slowing innovation. Whether you're preparing for your first licensing application, supporting bank partnerships, or facing new regulatory reviews, Protecht gives fintechs the tools to manage risk, obligations, incidents and third-party exposure from day one to IPO.

Build a scalable risk and compliance framework from day one

Move beyond spreadsheets and fragmented tools with an integrated platform that scales as your fintech grows.

  • Centralise risk registers for operational, compliance, cyber, financial crime and reputational risks

  • Track ownership, treatment plans, assessments and reviews in one connected system

  • Embed governance structures aligned with ISO 31000, COSO and APRA frameworks for early-stage readiness or pre-partnership due diligence

  • Scale risk and compliance processes with your growth trajectory, from startup to regulated institution

Show compliance with AML/CTF, privacy and consumer protection rules

Prove to regulators, partners and investors that your compliance obligations are in hand.

  • Maintain a structured register of obligations covering AML/CTF, DDO, breach reporting, privacy, and complaints

  • Link obligations to policies, workflows and controls to automate compliance evidence

  • Capture attestations, breach assessments and complaint investigations in real time

  • Produce audit-ready reports to meet expectations from AUSTRAC, ASIC, OAIC and your banking or BaaS partners

Manage third-party and technology risk with real oversight

Maintain visibility over your cloud platforms, infrastructure providers, and embedded finance partners.

  • Create a centralised third-party register with tiered risk ratings, contract records and review schedules

  • Simplify onboarding and due diligence, track performance reviews and incident escalation

  • Document resilience plans and risk assessments aligned to CPS 230 (if applicable) or banking partner expectations

  • Link vendor-related risks, incidents and controls to gain a full picture of exposure

Stay agile while meeting evolving regulatory expectations

Keep up with changing rules and rising scrutiny without overloading your lean team.

  • Monitor updates from ASIC, AUSTRAC, OAIC and Treasury in a structured obligations register

  • Map regulatory changes to internal controls, policies and training workflows

  • Track ESG and AI risk frameworks to stay ahead of partner, investor or consumer expectations

  • Give executives and boards real-time oversight through configurable dashboards and metrics

Trusted by well known organisations

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  • finstro_holdings_pty_ltd_
  • ofx_(ozforex_limited)
  • satispay
  • tyro_payments_limited
  • worldremit

Flexible risk management. Designed by risk experts.

Analytics & dashboards

Configurable platform

User experience

Implementation and support

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Calculate your ROI

See how much you can save with Protecht.

Buyer’s guide

What an ERM solution is, why you need one, and how to make the right choice.

Case study

How WorldRemit uses Protecht to manage risk across 130 countries

Specialising in digital P2P money transfers, WorldRemit is a fast-growing remittance firm. Over the last twelve years, the business has grown to serve 5.7 million customers, using 70 different currencies, across 130 countries worldwide. When WorldRemit set out to find the ultimate ERM system, there would be no compromise.

Thought leadership on risk for fintechs.

Watch our latest thought leadership webinars and read our latest blogs, eBooks and white papers on risk management topics for fintechs.

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White paper

Enterprise risk management for fintechs.

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Blog

Top 5 Risk Management Challenges for FinTechs

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Frequently asked questions about governance, risk and compliance (GRC) for fintechs

Australian fintechs may need to comply with multiple regulatory regimes. These include licensing and conduct obligations from ASIC (AFSL, ACL, DDO, breach reporting), anti-money laundering and KYC rules from AUSTRAC, privacy requirements from OAIC, and potentially APRA compliance if operating as a neobank or restricted ADI. Even unlicensed fintechs often face indirect regulatory scrutiny when partnering with banks or processing customer data and payments.

DDO requires financial product issuers and distributors to define a Target Market Determination (TMD) and ensure that products are sold to the right customers. Many fintechs distributing credit, investment, insurance or BNPL products must comply. Fintechs need to monitor outcomes, collect complaints, and review TMDs regularly, even if distribution is embedded into a digital experience.

If your fintech is a reporting entity under AUSTRAC, you must implement a compliant AML/CTF program covering customer onboarding, transaction monitoring, and suspicious matter reporting. Protecht helps by linking obligations to controls, tracking assessments and workflows, and supporting real-time audit trails that demonstrate compliance.

If your fintech is APRA-regulated or partners with an ADI, you may be expected to comply with CPS 230’s standards for operational risk and third-party management. That includes identifying material service providers, documenting resilience plans, and conducting regular testing. Even non-regulated fintechs should have structured oversight of cloud, BaaS and infrastructure providers.

Fintechs using AI in credit, fraud or onboarding workflows are expected to ensure decisions are explainable, fair and not discriminatory. ASIC and the OAIC have signalled growing scrutiny in this area. Protecht can help by logging model governance, linking risks to controls, and documenting fairness assessments or exceptions.

Protecht helps fintechs monitor updates from regulators, map new requirements to internal systems, and maintain a living obligations register. You can assign tasks, track ownership, and build workflows that keep controls and policies up to date, without depending on manual spreadsheets or shared folders.

Whether you're seeking a banking partner, new funding round, or regulatory licence, Protecht helps demonstrate that your risk and compliance frameworks are credible. With centralised registers, workflows, dashboards and evidence logs, you can provide structured, real-time reporting that proves your fintech is in control.