Change Financial Limited is an Australia-based global fintech and payments-as-a-service (PaaS) provider. The Company is engaged in leveraging scalable technology to provide tailored payment solutions, card issuing and testing to banks and fintech companies (fintech’s). The Company’s PaaS platform, Vertexon, integrates with banks and fintech’s core systems, enabling delivery of digital and virtual card solutions to their customers. It includes integrated features, such as Apple Pay, Google Pay, Samsung Pay and Buy Now Pay Later (BNPL) services. It manages and processes over 16 million credit, debit, and prepaid cards around the world. Through PaySim, it tests payment systems to help clients meet the reliability and performance expectations of end customers. PaySim enables banks and fintech’s to complete end-to-end testing of their payment platforms and processes from a desktop. It also provides the default standard for payments testing for many Australian companies.