Nab
“Can Australia's second-largest bank modernise its digital lending, payments, and data infrastructure fast enough to retain SMB and retail customers against neobank and fintech challengers?”
National Australia Bank is one of Australia's 'Big Four' chartered banks, operating across retail, business, corporate, and institutional banking. Over the past decade NAB has invested heavily in digital transformation: backing payments infrastructure (Stripe), adopting Open Banking via CDR partnerships (Frollo, illion), and launching instant-decision digital lending products (QuickBiz). Its embedded finance posture is that of a traditional bank building or procuring digital-first product layers rather than white-labelling infrastructure to third parties.