Expanding Customer Base Harmoney has demonstrated significant growth with a 50% increase in new customer originations in Australia following the launch of its Stellare 2.0 lending platform. This expansion indicates strong market demand and presents opportunities to offer tailored financial products or value-added services to an increasingly broad customer segment.

Strategic Partnerships The recent partnership with Heartland Group and the transfer of shares to Heartland Bank highlight Harmoney’s focus on strengthening alliances within the financial ecosystem. Business development efforts could explore collaboration opportunities in credit product diversification, technology integration, or shared marketing initiatives to deepen market penetration.

Robust Technology Integration Harmoney invests heavily in technology, utilizing advanced tools like DataRobot for credit risk assessment and launching innovative platforms. There is potential to leverage their data-driven approach to introduce additional fintech solutions or expand into adjacent digital financial services targeting tech-savvy consumers.

Awards and Recognition Consistent industry recognition, including multiple awards such as Canstar’s 7-year winner and RateCity’s Gold Award, underscores Harmoney’s strong brand reputation. Sales outreach can emphasize these credentials to build trust among prospective clients and partners looking for proven, award-winning fintech providers.

Financial Growth and Stability With reported revenues between $10 million and $25 million, along with substantial funding rounds and a NZ$215 million warehouse facility, Harmoney exhibits strong financial health and scalability potential. This creates opportunities to offer additional financial services, co-lending ventures, or technological upgrades to facilitate larger loan volumes and diversify revenue streams.