The demand for micro-investing platforms in Australia is set to reach US$ 854.2 million in 2023. Over the projection period 2023 to 2033, micro-investing platform demand in the country is set to exhibit 19.1% CAGR. It is anticipated to attain a valuation of around US$ 4,885.0 million by the end of 2033. The demand for micro-investing platforms across the globe stood at US$ 734.5 million in 2022.
Growth is anticipated to be driven by the increasing demand for micro-investing platforms in Australia and the periodic need to save & invest small amounts of money. Since there is no minimum amount that can be saved, it is anticipated that modern customers will turn away from traditional investment schemes and toward these platforms. These micro-investing platforms are projected to become more popular in Australia as a result of the low brokerage and membership costs they charge.
Factors Propelling Micro-investing Platform Demand in Australia-
Challenges for Micro-investing Platform Providers in Australia-
| Attributes | Key Insights |
|---|---|
| Australia Micro-investing Platform Estimated Revenue (2023E) | US$ 854.2 million |
| Australia Micro-investing Platform Projected Revenue (2033F) | US$ 4,885.0 million |
| Value-based CAGR (2023 to 2033) | 19.1% |
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Customization of Platforms for Gen Z to Augment Demand
Although Gen Z understands the value of investing, they cannot set aside a sizable portion of their wage. In this environment, micro-investing is anticipated to emerge as a solution. Demand will be driven by their capacity to enable customers to invest little sums more regularly rather than huge sums all at once. Since its inception, the idea has gained popularity, and the platforms that offer such a service have already drawn millions of customers.
Vendors in the Australia micro-investing platform business are anticipated to invest in targeted campaigns to attract new users. They are also projected to utilize digital business channels, social media, and influencer partnerships to increase brand visibility and reach a broader audience.
New entrants are expected to offer diverse investment products to cater to different investor preferences and risk appetites. This can include expanding the selection of ETFs, stocks, and other financial products.
Providers are further anticipated to allow users to personalize their investment portfolios based on their financial goals, risk tolerance, and values. Customization is projected to create a more engaging and tailored experience for users.
Awareness of ESG Investments Pushes Demand for Micro-investing Platforms
Institutional investors, including superannuation funds, have significantly promoted environmental, social, and governance (ESG) and sustainability investing. Several significant superannuation funds in Australia have incorporated ESG principles into their investment strategies, encouraging individual investors to follow suit.
The government and regulatory bodies nationwide have been increasingly supportive of ESG investing. Regulatory initiatives and guidelines have been introduced to promote transparency and disclosure of ESG-related risks and opportunities, giving investors greater confidence in ESG funds.
Increased media coverage and educational efforts have helped raise awareness about ESG investing among the general public. News outlets, financial publications, and social media platforms are anticipated to cover ESG-related topics, making them more accessible to a wider audience.
Launch of Fractional Investing Platforms with Round-up Feature to Drive Growth
It is expected to be critical to start accepting micro-investment platforms as banks and finance experts in Australia strive to stay up with shifting customer needs and cutting-edge technologies. Consumers are set to find these platforms appealing due to the ability to place money in fractional shares. These are also projected to help individuals buy complete shares and split them into smaller amounts to sell to their members, which is otherwise not applicable on the stock exchange.
New micro-investing platforms are expected to emerge in Australia that would offer the benefit of rounding up purchases. Individuals can connect their debit or credit card to the account and automatically round up each transaction they make to the dollar.
A US$ 9.47 transaction, for instance, would be adjusted up to US$ 10.00. The extra US$ 0.53 would be transferred immediately to a selected investment or savings account. Offering this as an extra benefit is anticipated to increase the appeal of account services if the bank already delivers the aforementioned credit or debit cards.
Companies across Asia Pacific are also expected to follow Australia-based firms and launch such features. The Asia Pacific micro-investing platform business landscape was valued at US$ 218.1 million in 2022. It will likely record a CAGR of 20.8% from 2023 to 2033.
Australia is anticipated to witness considerable growth in the Australia micro-investing platform business landscape through 2033. Financial technology, or FinTech, has shaken up the financial sector in Australia. It has been compelling several financial experts and businesses to consider new business strategies to keep up.
As novel technologies continue to increase, a financial institution's capacity to exploit FinTech is set to be crucial for the sustained success of a business or bank. This FinTech category is estimated to include micro-investing as well. A successful micro-investing platform will likely need the right technologies and experience from the financial sector. Ultimately, the institution's capacity for efficient resource use for platform deployment and software development will determine the viability of this kind of platform.
Financial institutions in Australia are expected to be finally helped in developing a workflow that enables companies to zero in more intently on their consumers and their demands. They are anticipated to do so by redirecting their financial strategy to be more tech-operated. Additionally, it is anticipated to offer customers more value by giving them a wide range of investment options through sound financial guidance and easily accessible technologies.
Start-ups in Australia to Launch Micro-investing Apps with Smooth Interface
Cities such as Adelaide, Victor Harbor, Port Lincoln, Whyalla, Coober Pedy, and Port Pirie are estimated to experience a steady growth outlook in the Australia micro-investing platform business. Demand started surging rapidly in South Australia since the emergence of the pandemic, which accelerated the acceptance of digital banking tools.
Due to the intense competition, FinTech start-ups are anticipated to set themselves apart to succeed. To do so, they are expected to include every function customers want. The need for high-quality user experience, usability, and end UX is also projected to encourage start-up firms.
Modern consumers across Australia are moving away from apps that provide poor user experiences. Leading companies in the area are expected to differentiate themselves from different smartphone payment providers with declining success. This is attributed to their user-friendly and intuitive apps. The need for accessible and user-friendly interfaces would create new opportunities across Australia.
Small-scale investing Platforms in Australia to Adopt Innovative Technology
Sydney, Albury, Dubbo, Orange, Newcastle, Broken Hill, Goulburn, and others are the leading places in Australia that would exhibit high growth. Trading applications, which provide a new and convenient option to profit from the savings, are currently gaining popularity in Australia.
The goal for the investment app from Revolut, which was released in 2020, was to reach a million customers by the end of the year. Although there are currently 150,000 users of the program, the firm is already highly conscious of the other companies attempting to exploit the business gap.
Now that FinTech has evolved, it is up to the investing sector to deliver on the new technology. While those who have invested previously seek a better experience, those new to the field look for a natural and straight forward manner to enter the business. Key players are expected to develop new apps to help individuals invest smoothly.
Low Entry Barriers in Australia Push Demand for Micro-wealth Building
Australia is expected to showcase a decent growth rate, especially in Perth, Broome, Port Hedland, Bunbury, and Albany. The increasing inclination of consumers toward mobile-based and digital financial services is expected to drive demand.
Individuals in Australia frequently use internet platforms and mobile apps for different financial activities, such as investing and banking. People are set to invest and manage their money conveniently and on the go due to the accessibility and simplicity that micro-investing platforms provide. These platforms are anticipated to draw a wide range of customers, from tech-savvy millennials to older generations looking for an easy-to-use investment option.
As several people in Australia are risk-averse, the low entry barriers offered by micro-investing platforms fit well with their personalities. People frequently look for investment opportunities that involve little capital and provide diversification in a location with its particular economic dynamics. By enabling users to invest small sums of money, frequently as little as a few dollars, these platforms are expected to appeal to these tastes. This drip-feed strategy is anticipated to aid in wealth accumulation gradually. This is further estimated to result in a less intimidating and controllable option for people who are wary of conventional investment tactics.
Principal Consultant
The Australia micro-investing platform space expanded at a considerable CAGR of 11.4% in the historical period from 2018 to 2022. It is projected to reach a value of US$ 734.5 million in 2022. The demand for micro-investing platforms stood at US$ 476.7 million in 2018.
| Historical Australia Micro-investing Platform Revenue (2022) | US$ 734.5 million |
|---|---|
| Historical Value-based CAGR (2023 to 2033) | 11.4% |
Several financial institutions and asset managers across Australia have responded to the increasing demand for ESG investing by offering a broader range of ESG funds. As more options become available, investors have greater opportunities to align their investments with their values. Bank accounts offering round-ups on purchases have been available and used by younger generations, especially millennials and Gen Z, for years. Entities, such as Raiz and Spaceship, have built on this as an investment idea by enabling very small regular micro investments.
While it’s taken decades to convince millennials to opt for online subscriptions, a monthly plan for Spotify or even a news service isn’t the anathema it once was. Fractional investing has benefited from the acceptance of monthly subscriptions. Traditional one-off commissions from brokers of US$ 10 to 30 would quickly negate a regular US$ 50-a-month investment. However, a handful of platforms are expected to move toward a monthly fee that can make a single monthly investment more affordable than a monthly trade through a traditional broker.
The increased focus on personal wealth management and financial knowledge can be linked to micro-investing growth. These platforms enable individuals to learn about the stock exchange and create good investment & saving habits. This is attributed to their ability to offer an educational and practical approach to investing in the age of digital innovation.
The process is set to be more interesting and instructive owing to the gamified aspect of several micro-investing applications and the availability of real-time investment tracking. Micro-investing platforms are expected to be developed into a practical and accessible way for people to begin their investment journey.
The rising awareness among millennials about how important it is to create an economic cushion for the future will likely drive growth. The demand for micro-investing platforms is also anticipated to be pushed by their high educational value and availability.
The table presents the expected CAGR for the Australia micro-investing platform space over several semi-annual periods from 2022 to 2033. In the first half (H1) of the decade from 2022 to 2032, the field is forecasted to surge at a CAGR of 19.1%, followed by a slightly higher growth rate of 19.3% in the second half (H2).
Moving into the subsequent period, from H1 2023 to H2 2033, the CAGR is projected to increase slightly to 19.5% in the first half and remain relatively moderate at 19.7% in the second half. These values offer insights into the anticipated growth trends for the Australia micro-investing platform space, aiding stakeholders and investors in making informed decisions regarding investments & strategies.
Semi-annual Update
| Particular | Value-based CAGR |
|---|---|
| H1 (2022 to 2032) | 19.1% |
| H2 (2022 to 2032) | 19.3% |
| H1 (2023 to 2033) | 19.5% |
| H2 (2023 to 2033) | 19.7% |
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The table below highlights end users' demand for micro-investing platforms in Australia. Under end users, growth opportunities for individual users are expected to remain high in the assessment period. The individual user segment is set to showcase a significant CAGR of 20.1% through 2033 in the field of micro-investing platforms in Australia.
Australia Micro-investing Platform Business Growth Outlook by End User
| End User | Value-based CAGR |
|---|---|
| Individual Users | 20.1% |
Key companies are expected to design micro-investing platforms to be user-friendly. They are increasingly developing mobile apps and online interfaces, enabling individuals to manage their investments conveniently from their smartphones or computers. This will likely appeal to tech-savvy users who prefer seamless digital experiences, pushing demand.
Micro-investing platforms are set to be designed in such a way that they can allow retail customers to start investing with small amounts of money. This low barrier to entry is expected to enable individuals with limited savings to participate in the financial business and build wealth gradually.
Leading providers are investing in research & development activities to design micro-investing platforms with user-friendly mobile apps and online interfaces. These apps are expected to make it easy for retail customers to manage their investments on the go.
Investors can access their accounts, track portfolio performance, and make investment decisions conveniently. Key players charge meager fees and expenses for their platforms than traditional investment options, such as mutual funds. This cost-effectiveness is projected to allow retail customers to keep more investment returns.
The increasing adoption of micro-investing platforms among individual users can be attributed to their ease of use, affordability, and alignment with changing financial attitudes & behaviors. As technology continues to evolve and financial literacy improves, the popularity of micro-investing is likely to surge among individual users.
The table below highlights the demand for micro-investing platforms in Australia by platform type. Under platform type, growth opportunities for mobile-based micro-investing apps are expected to remain high in the assessment period.
The mobile-based micro-investing app segment is set to showcase a significant CAGR of 25.2% through 2033 in the field of micro-investing platforms in Australia. It is expected to be followed by the web-based micro-investing platform segment.
Australia Micro-investing Platform Business Growth Outlook by Platform Type
| Platform Type | Value-based CAGR |
|---|---|
| Web-based Micro-investing Platform | 17.1% |
| Mobile-based Micro-investing App | 25.2% |
Mobile-based micro-investing apps are expected to dominate the Australia micro-investing platform business. The segment is anticipated to create a total financial potential of US$ 261.3 million during the forecast period and exhibit a CAGR of 25.2%.
Younger demographics, including millennials and Gen Z, are more likely to adopt mobile technologies across Australia. These demographics have a strong interest in investing but often have lower entry thresholds. Mobile-based micro-investing platforms are set to cater to their preferences and align with their digital lifestyles, thereby pushing demand.
Due to their unparalleled accessibility and user-centric design, mobile-based micro-investing apps are becoming increasingly popular. Individuals are drawn to solutions that easily fit into their mobile lifestyles. Mobile-based platforms are expected to allow them to track, manage, and invest their funds while on the go in the increasingly fast-paced digital world.
Key players focus on improving customer experience during payments for their micro-investing platform solutions. They are also considering the different needs and requirements of end-users and developing solutions that are tailor-made per their needs.
Product Innovation
Leading vendors focus on product innovation, introducing new features, functionalities, and integrations to address security challenges. They would develop intuitive interfaces, pre-built security modules, and machine learning capabilities. They are also investing in research & development to stay ahead of emerging technologies.
Strategic Partnerships and Collaborations
Vendors are forming strategic partnerships with technology providers, cybersecurity firms, and leaders to expand their customer base, integrate platforms, and improve their reach. These partnerships would ensure compliance and trust, fostering innovation and growth.
Expansion into Emerging Areas
Australia's micro-investing platform companies have adopted strategies to expand into emerging areas. They focus on developing localized solutions, establishing strategic partnerships, investing in research, and focusing on customer education & training. They also offer competitive pricing models and flexible payment options to attract and retain customers.
Mergers and Acquisitions
Companies in the Australia micro-investing platform business are implementing mergers & acquisitions to expand their offerings and acquire new technologies, intellectual property, and customer bases. This technique improves cloud cost management capabilities, stimulates innovation, produces economies of scale, and strengthens their presence.
| Attribute | Details |
|---|---|
| Estimated Australia Micro-investing Platform Revenue (2023) | US$ 854.2 million |
| Projected Australia Micro-investing Platform Revenue (2033) | US$ 4,885.0 million |
| Value-based CAGR (2023 to 2033) | 19.1% |
| Historical Data | 2018 to 2022 |
| Forecast Period | 2023 to 2033 |
| Quantitative Units | Value (US$ million) |
| Segments Covered | Platform, Platform Type, End User |
| Key Companies Profiled | eToro; Raiz; Spaceship Voyager; Sharesies; Stake; CommonSec Pocket; Superhero; Zerodha; Swyftx; SelfWealth; Bamboo; Pearler; FirstStep; Douugh; Stocklight |
| Report Coverage | Revenue Forecast, Volume Forecast, Company Ranking, Competitive Landscape, Growth Factors, Trends and Pricing Analysis |
The Australia micro-investing platform business is set to reach US$ 4,885.0 million by 2033.
The business is set to witness a 19.1% CAGR from 2023 to 2033.
eToro, Raiz, and Stake are the leading platforms for micro-investing in Australia.
The Australia micro-investing platform space will likely reach US$ 854.2 million by 2023.
The rising support of government bodies to promote ESG investing is a key trend.
1. Executive Summary
1.1. Australia Industry Outlook
1.2. Analysis and Recommendations
2. Key Trends
2.1. Awareness about ESG/Sustainability Funds
2.2. Growth on Fractional Investing
2.3. Demand for Sustainable and Ethical Investing
2.4. Trends on Regulatory Scrutiny and Investor Protection
2.5. Other trends
3. Impact of on Sustainability Management
3.1. Insights on ESG/Sustainability Funds and Products that are offered by Micro-Investment Platforms Vendors
3.2. Customer Base Outlook for ESG/Sustainability Funds and Products
3.2.1. No. of investors in ESG/Sustainability Funds
3.3. ESG related portfolios for Australian micro investing apps (Any other)
3.4. Awareness about ESG/Sustainability Funds across consumers
3.5. Others
4. Global Demand Analysis Demand (in Value or Size in US$ Million) Analysis 2018 to 2022 and Forecast, 2023 to 2033
4.1. Historical Value (US$ Million) Analysis, 2018 to 2022
4.2. Current and Future Value (US$ Million) Projections, 2023 to 2033
4.2.1. Y-o-Y Growth Trend Analysis
4.2.2. Absolute $ Opportunity Analysis
5. Global Demand Analysis 2018 to 2022 and Forecast 2023 to 2033, by End User
5.1. Introduction / Key Findings
5.2. Historical Demand Analysis (US$ Million) Analysis By End User, 2018 to 2022
5.3. Current and Future Demand Analysis (US$ Million) Analysis and Forecast By End User, 2023 to 2033
5.3.1. Individual Users
6. Asia Pacific Demand Analysis Demand (in Value or Size in US$ Million) Analysis 2018 to 2022 and Forecast, 2023 to 2033
6.1. Historical Value (US$ Million) Analysis, 2018 to 2022
6.2. Current and Future Value (US$ Million) Projections, 2023 to 2033
6.2.1. Y-o-Y Growth Trend Analysis
6.2.2. Absolute $ Opportunity Analysis
7. Demand Analysis 2018 to 2022 and Forecast 2023 to 2033, by Platform Type
7.1. Introduction / Key Findings
7.2. Historical Demand Analysis (US$ Million) Analysis By Platform Type, 2018 to 2022
7.3. Current and Future Demand Analysis (US$ Million) Analysis and Forecast By Platform Type, 2023 to 2033
7.3.1. Web-Based Micro-investing Platform
7.3.2. Mobile-Based Micro-investing App
7.4. Attractiveness Analysis By Platform Type
8. Demand Analysis 2018 to 2022 and Forecast 2023 to 2033, by End User
8.1. Introduction / Key Findings
8.2. Historical Demand Analysis (US$ Million) Analysis By End User, 2018 to 2022
8.3. Current and Future Demand Analysis (US$ Million) Analysis and Forecast By End User, 2023 to 2033
8.3.1. Individual Users
8.4. Attractiveness Analysis By End User
9. Competition Analysis
9.1. Competition Dashboard
9.2. Share of Key Vendors in Australia
9.3. Competition Deep Dive
9.3.1.1. Business Overview
9.3.1.2. Solution Portfolio
9.3.1.3. Number of Customers (total and active)
9.3.1.4. Revenue and Gross Margin
9.3.1.5. Historical returns by portfolio
9.3.1.6. Funds Under Management (FUM)
9.3.1.7. Recent Developments
9.3.1.8. Key Business Strategies
9.4. Australia Micro Investing Solution Vendors
9.4.1.1. Business Overview
9.4.1.2. Solution Portfolio
9.4.1.3. Number of Customers (total and active)
9.4.1.4. Revenue and Gross Margin
9.4.1.5. Historical returns by portfolio
9.4.1.6. Funds Under Management (FUM)
9.4.1.7. Recent Developments
9.4.1.8. Key Business Strategies
9.4.2. eToro
9.4.2.1. Business Overview
9.4.2.2. Solution Portfolio
9.4.2.3. Number of Customers (total and active)
9.4.2.4. Revenue and Gross Margin
9.4.2.5. Historical returns by portfolio
9.4.2.6. Funds Under Management (FUM)
9.4.2.7. Recent Developments
9.4.2.8. Key Business Strategies
9.4.3. Raiz
9.4.3.1. Business Overview
9.4.3.2. Solution Portfolio
9.4.3.3. Number of Customers (total and active)
9.4.3.4. Revenue and Gross Margin
9.4.3.5. Historical returns by portfolio
9.4.3.6. Funds Under Management (FUM)
9.4.3.7. Recent Developments
9.4.3.8. Key Business Strategies
9.4.4. Spaceship Voyager
9.4.4.1. Business Overview
9.4.4.2. Solution Portfolio
9.4.4.3. Number of Customers (total and active)
9.4.4.4. Revenue and Gross Margin
9.4.4.5. Historical returns by portfolio
9.4.4.6. Funds Under Management (FUM)
9.4.4.7. Recent Developments
9.4.4.8. Key Business Strategies
9.4.5. Sharesies
9.4.5.1. Business Overview
9.4.5.2. Solution Portfolio
9.4.5.3. Number of Customers (total and active)
9.4.5.4. Revenue and Gross Margin
9.4.5.5. Historical returns by portfolio
9.4.5.6. Funds Under Management (FUM)
9.4.5.7. Recent Developments
9.4.5.8. Key Business Strategies
9.4.6. Stake
9.4.6.1. Business Overview
9.4.6.2. Solution Portfolio
9.4.6.3. Number of Customers (total and active)
9.4.6.4. Revenue and Gross Margin
9.4.6.5. Historical returns by portfolio
9.4.6.6. Funds Under Management (FUM)
9.4.6.7. Recent Developments
9.4.6.8. Key Business Strategies
9.4.7. CommonSec Pocket
9.4.7.1. Business Overview
9.4.7.2. Solution Portfolio
9.4.7.3. Number of Customers (total and active)
9.4.7.4. Revenue and Gross Margin
9.4.7.5. Historical returns by portfolio
9.4.7.6. Funds Under Management (FUM)
9.4.7.7. Recent Developments
9.4.7.8. Key Business Strategies
9.4.8. Superhero
9.4.8.1. Business Overview
9.4.8.2. Solution Portfolio
9.4.8.3. Number of Customers (total and active)
9.4.8.4. Revenue and Gross Margin
9.4.8.5. Historical returns by portfolio
9.4.8.6. Funds Under Management (FUM)
9.4.8.7. Recent Developments
9.4.8.8. Key Business Strategies
9.4.9. Zerodha
9.4.9.1. Business Overview
9.4.9.2. Solution Portfolio
9.4.9.3. Number of Customers (total and active)
9.4.9.4. Revenue and Gross Margin
9.4.9.5. Historical returns by portfolio
9.4.9.6. Funds Under Management (FUM)
9.4.9.7. Recent Developments
9.4.9.8. Key Business Strategies
9.4.10. Swyftx
9.4.10.1. Business Overview
9.4.10.2. Solution Portfolio
9.4.10.3. Number of Customers (total and active)
9.4.10.4. Revenue and Gross Margin
9.4.10.5. Historical returns by portfolio
9.4.10.6. Funds Under Management (FUM)
9.4.10.7. Recent Developments
9.4.10.8. Key Business Strategies
9.4.11. SelfWealth
9.4.11.1. Business Overview
9.4.11.2. Solution Portfolio
9.4.11.3. Number of Customers (total and active)
9.4.11.4. Revenue and Gross Margin
9.4.11.5. Historical returns by portfolio
9.4.11.6. Funds Under Management (FUM)
9.4.11.7. Recent Developments
9.4.11.8. Key Business Strategies
9.4.12. Bamboo
9.4.12.1. Business Overview
9.4.12.2. Solution Portfolio
9.4.12.3. Number of Customers (total and active)
9.4.12.4. Revenue and Gross Margin
9.4.12.5. Historical returns by portfolio
9.4.12.6. Funds Under Management (FUM)
9.4.12.7. Recent Developments
9.4.12.8. Key Business Strategies
9.4.13. Pearler
9.4.13.1. Business Overview
9.4.13.2. Solution Portfolio
9.4.13.3. Number of Customers (total and active)
9.4.13.4. Revenue and Gross Margin
9.4.13.5. Historical returns by portfolio
9.4.13.6. Funds Under Management (FUM)
9.4.13.7. Recent Developments
9.4.13.8. Key Business Strategies
9.4.14. FirstStep
9.4.14.1. Business Overview
9.4.14.2. Solution Portfolio
9.4.14.3. Number of Customers (total and active)
9.4.14.4. Revenue and Gross Margin
9.4.14.5. Historical returns by portfolio
9.4.14.6. Funds Under Management (FUM)
9.4.14.7. Recent Developments
9.4.14.8. Key Business Strategies
9.4.15. Douugh
9.4.15.1. Business Overview
9.4.15.2. Solution Portfolio
9.4.15.3. Number of Customers (total and active)
9.4.15.4. Revenue and Gross Margin
9.4.15.5. Historical returns by portfolio
9.4.15.6. Funds Under Management (FUM)
9.4.15.7. Recent Developments
9.4.15.8. Key Business Strategies
9.4.16. Stocklight
9.4.16.1. Business Overview
9.4.16.2. Solution Portfolio
9.4.16.3. Number of Customers (total and active)
9.4.16.4. Revenue and Gross Margin
9.4.16.5. Historical returns by portfolio
9.4.16.6. Funds Under Management (FUM)
9.4.16.7. Recent Developments
9.4.16.8. Key Business Strategies
10. Assumptions and Acronyms Used
11. Research Methodology
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Trends, Growth, and Opportunity Analysis of Micro-investing Platform in Australia
