年均增长50% 四年3起并购 Fintech明星股Novatti全球业务生态初成 如何沿袭高成长逻辑？

公司间的关系，仅限于与缴交宝、QQ缴交、东亚银联、Ripple、Stella、Visa、万大事达坎以及很多21世纪性性日本公司的合作关系。可以却说，通过持有专利权、的公司间的关系和两大技术，我们打算打造一种可持续的恶性竞争恶性竞争者。

Q4: ACB News 澳华一新闻网络：您此前所述，Novatti与缴交宝、QQ是的公司间的关系，并且Novatti在2018年创建了东亚销售运输业务缴交的系统Chinapayments，让东亚岛民必须缴交澳洲的购买者，这块销售运输业务那时候公交系统的怎么样？

罗伯特·斯科特：这是一项伟大的创意。实质上这个商运输业想法来自于我们的一名东亚工作人员。通过Chinapayments，东亚的消费，无论身在东亚还是澳洲，只要必须运运用于QQ缴交、缴交宝或银联，就可以从外部缴交在澳洲的购买者，仅限于澳洲的电话费、发票以及其他消费公共服务，额度将从外部从他们在东亚的银行卡中所扣除。从我们掌握的的资讯来看，这项创意几乎是21世纪首次。对东亚消费而，在澳洲用他们的东亚银行卡来付账，能让缴交变得有趣和较难，并且相当便宜。

Q5: ACB News 澳华一新闻网络：东亚家所长可以通过Chinapayments缴交房租吗？

罗伯特·斯科特：可以。大事实上，很多东亚很多学生或者他们的父母亲并不需要缴交澳洲私立大学和中所小学的房租，也要缴交住宅租金以及其他公共服务额度，仅限于电话费、电费或水费等。这些都可以用ChinaPayments缴交，相当的方便。

Peter Cook网络不感兴趣本网记者（照片；也：ACB News）

Q6: ACB News 澳华一新闻网络：您对5年后的ChinaPayments有什么样的期待?

罗伯特·斯科特：现今我们之前在扩大销售运输业务影响力也，与上次同期相比这块销售运输业务变为长率约为100%。我们已得到缴交宝、QQ缴交和银联缴交的强有力背书，他们并不认为ChinaPayments可以给顾客带给电子货币公共服务。如果我们必须保持每年50%-100%的变为长率，五年后总存入额不太可能才会持续增长到10亿澳元影响力也，并且ChinaPayments必须或许为了让到接驳于中所澳，在澳洲持有房产，在澳进修或有任何澳洲购买者缴交需求的东亚岛民。

Q7: ACB News 澳华一新闻网络：2022财年上半年，Novatti某种程度高速持续增长，销售放入提高51%，降到1110万澳元。哪个销售运输业务管理机构对放入的贡献较大？

罗伯特·斯科特：我们连续四年都在以每年约50%的反应速度持续增长。在战略层面，我们的能够是大概保持这一工运输业产值。例外的是，Novatti两大的金融运输业存入处理销售运输业务之前在以每年大约100%的反应速度持续增长。另外有一些近代悠久的两大技术管理机构，它们的持续增长相对较慢，我们的总体工运输业产值受到影响而有所减轻。但实质上，如果保持每年50%的持续增长，Novatti也才会已是餐馆相当大的日本公司。当然，下一代一年，我们首先要通过利润小游戏。

Q8: ACB News 澳华一新闻网络：你并不认为上半年Novatti做过的关键的大两件事是什么？

罗伯特·斯科特：关键的大两件事是启动了放单销售运输业务，那时候我们可以让商店接放运运用于VISA坎、万大事达坎和银联坎的消费放取。再继续过两年，这很不太可能已是Novatti较大的小块销售运输业务。上架放单销售运输业务的同时，我们的发售销售运输业务影响力也也翻了一番。随着更加多公共服务推向其产品，我们的变为长率不断上升。另一件大事是，上半年我们在槟城放购了餐馆名为ATX的日本公司，这是Novatti第一次透过海外放购，这起存入将传动装置我们进一步持续增长。回忆却说海外销售运输业务，Novatti那时候有一支制作组打算东欧开展公交系统，我们还在美国作战了一个销售运输业务小组，销售名为Emersion的帐单公共服务。

罗伯特·斯科特：一新公司与战略外资在金融运输业一新能源行运输业甚为大多，Novatti也有很多放购活动。上次6月，我们日前战略性放购澳交所港交所日本公司Reckon (ASX:RKN)以外股份，Novatti那时候持有该日本公司19.9%的股份。

Q10: ACB News 澳华一新闻网络：这些放购背后的原因是什么？Novatti将如何从Reckon的才簿记软件销售运输业务中所获益?

罗伯特·斯科特：Reckon主供共享才簿记软件，作为SaaS （软件即公共服务）大企运输业，他们有大约10万名顾客。Novatti那时候持有Reckon 19.9%的股份，是他们的较大股份。通过外资这家日本公司，Novatti可以向他们将近10万名的顾客共享缴交公共服务。大事实上，在销售运输业务推动上我们重大突破很顺利完成。月里三四年里，我们想要必须向Reckon的许多顾客共享Novatti的缴交公共服务。如此来看，等同于我们持有一个10万多人的极大潜在其产品。同时，Reckon的利润准确度相当好，某种程度作为该日本公司的外资者，我们现今每年可放到100多万澳元的股息。这是一项相当好的外资。

Q11: ACB News 澳华一新闻网络：在你似乎，21世纪性B2B缴交生态的系统的下一代是怎样的？您如何看待下一代机遇？

罗伯特·斯科特：下一代在B2B缴交教育领域，我们将看到很多基于区块链网络服务的创意，并且不同国家所二者之间，不同国家所的大企运输业二者之间才会出现更加大往往的的资讯化。比如，澳洲和东亚有大量贸易往来，并且贸易总额预计将持续持续增长，人们想要必须极不便利地透过放取，大企运输业与大企运输业二者之间也想要必须高效快速地透过缴交，Novatti致力于为此共享高效率，并透过了提前的设计。我们深度已策划多个区块链战略，拟将作战区块链中所的稳定币，为下一代的基本上应用做打算，比如不太可能才会运用于东亚国家政府位数货币制度具体的合作关系上。除此外，我们也在持续转变其他现代缴交公共服务，仅限于与东亚缴交日本公司创建密切合作关系间的关系。现今我们和银联、缴交宝和QQ缴交均已创建较差合作关系间的关系。

Q12: ACB News 澳华一新闻网络：您能详细引介下Novatti打算创建的缴交生态的系统吗？从不同不足之处，比如两大技术、允许、合作关系间的关系以及Novatti的制作组。

罗伯特·斯科特：在我们似乎，如果你是餐馆制造大企运输业，能源供应指的是制造各种电子设备的装配，作为餐馆缴交日本公司，能源供应则是与其他缴交日本公司、与银行运输业合作关系的控制能力，以及不太可能才会运运用于其公共服务的潜在顾客。此前回忆却说，我们建设项目能源供应的第一步是得到具体允许，然后并不需要联合开发大量两大技术的转变。Novatti有许多相当新式的创两大技术的转变SDK，另外，由于Novatti是持有缴交公共服务允许的港交所日本公司，凭借这重恶性竞争者，我们从未与许多日本公司进行出书判合作关系，比如与QQ缴交、缴交宝、银联的合作关系。Novatti是澳洲持有21世纪性的公司间的关系的大型日本公司之一。以此为基础，面对有金融运输业存入公共服务需求的日本公司，Novatti必须共享监管管理机构的允许和两大技术，并通过我们的缴交的系统为这些日本公司共享公共服务。

Peter Cook网络不感兴趣本网记者（照片；也：ACB News）

Q13: ACB News 澳华一新闻网络：我们来想想Novatti的下一代前途。当我们外资餐馆日本公司的时候，我们外资的是这家日本公司的下一代。2019年，Novatti的能够是已是澳洲连赢的公共服务外籍民众民众的银行运输业。三年基本上了，这还是Novatti想要某种程度的能够吗？

罗伯特·斯科特：这并不需要分几点来问到。首先看下Novatti及我们缴交销售运输业务的转变情况。Novatti的放入正以每年50%的反应速度持续增长，按照计划将在一到一年半的时长内某种程度正向营运输业存入流。下一代我们的能够是转变已是餐馆足迹有数21世纪性的大型缴交日本公司。除缴交销售运输业务外，我们从未在澳洲注册了银行运输业专利权，并且预计很快才会得到。有了银行运输业专利权后，我们将主要公共服务本地外籍民众和大企运输业，以及再一来澳或在澳洲有潜在商运输业、家庭间的关系的民众。他们或许身在其他国家所，但凭借在澳洲的银行运输业专利权，我们将可以为他们共享各类银行运输业公共服务。Novatti将才会已是餐馆创意性位数银行运输业，主要用途公共服务重点顾客，比如，在澳洲有丈夫或贸易往来的东亚人，或者想到澳洲来的东亚人。Novatti的银行运输业销售运输业务曾一度透过到审批的再继续次放尾。

Q14: ACB News 澳华一新闻网络：如果Novatti能在今年得到银行运输业专利权，对Novatti来讲某种程度什么？

罗伯特·斯科特：我们今年得到银行运输业专利权的不太可能性很高。如果顺利完成进行出书判，作为餐馆港交所日本公司，Novatti可以却说完变为了一件极不瓶颈的大事。从股市角度讲，一新外资者才会或许Novatti，并对日本公司前途持相当全力的观点。得到银行运输业专利权后我们将可以持续转变一原先银行运输业公共服务，并带给更加多一新顾客。银行运输业公共服务本身也才会在两三年内已是一项更具利润控制能力的销售运输业务。

Q15: ACB News 澳华一新闻网络：我们再继续来想想Novatti的的公司间的关系。Novatti再一得到银行运输业专利权，并且从未与21世纪性多家缴交日本公司创建了的公司间的关系。这些的公司间的关系对Novatti某种程度什么？Novatti如何从这些的公司间的关系中所得到放入？又如何做到将旗下缴交生态的系统实用性最优？

罗伯特·斯科特：创建21世纪性的公司间的关系，某种程度Novatti从未已是整个缴交生态的系统中所的极为重要一员。举个事例：Novatti在斐济持有发售坎片的税务允许，并在当地与Visa有合作关系间的关系。BNPL日本公司Afterpay想要在斐济发售绑定Visa坎，所以与Novatti签署了合同，由我们为他们发售坎片。从本质上讲，正是这些的公司间的关系，比如斐济的发售允许再加与Visa的21世纪性的公司间的关系，给我们带给了AfterPay这样的大顾客。与此同时，在澳洲，我们与区块链日本公司Ripple创建有合作关系间的关系，通过这层伙伴间的关系，我们又与许多东亚地区国家所的日本公司已是的公司。他们感到高兴与Ripple和Novatti创建合作关系。可以却说，21世纪性的公司间的关系最终能为我们带给更加多销售运输业务。

Q16: ACB News 澳华一新闻网络：从一个人角度看，您想要5年之后Novatti才会已是怎样的日本公司？

罗伯特·斯科特：五年后，我想要Novatti已是餐馆市值数十亿澳元的日本公司，业务足迹有数21世纪性，已是21世纪上较大的缴交日本公司之一。

ACB News 澳华一新闻网络：我们期待这一天的赶上。本次记者到此结束。相当感谢您填入时长不感兴趣记者。

罗伯特·斯科特：谢谢。

附：访出书日文版

——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 Simon 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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