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← Embedded Finance Index 2026/Stories/ANZ
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ANZ

1951–2026 in 8 milestones, 5 of them in payments, lending, licences or reported financials.

1835
Founded
833 Collins Street, Melbourne, Victoria, Australia
Headquarters →
5
Licences held
◇ Product▲ Acquisition■ Partnership○ MilestoneEmbedded finance
1951
○ MilestoneEmbedded finance

ANZ Bank formed via merger.

1970
○ Milestone

ANZ Group merger completed.

2022
◇ ProductEmbedded finance

Launched ANZ Plus — a mobile-first digital banking proposition with Everyday and Growth Saver accounts.

2024
▲ AcquisitionEmbedded finance

Acquired Suncorp Bank: Acquired Suncorp's banking arm, adding a Queensland-focused retail and SME bank to ANZ Group.

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2025
○ Milestone

FY2025 results: A$22.19B operating income, A$5.89B net income, A$1.29T total assets.

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2026
■ PartnershipJunEmbedded finance

Launched a pilot (announced initially March 2025) embedding Visa/SAP virtual cards into SAP ERP for B2B payables in Australia.

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○ MilestoneSepEmbedded finance

Completed one of the world's first live corporate treasury transactions using tokenized bank deposits and Swift's ledger, alongside BHP and Citi — US dollar payments between Melbourne and New York, with BHP using its existing ANZ account/banking channel while tokenized deposits and DLT operated behind the scenes. ANZ is the first Australian bank live on Swift's blockchain ledger, demonstrating Swift's "hub-of-hubs" interoperability model for cross-border tokenized-deposit settlement.

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