https://www.novatti.com https://www.novatti.com/about-us https://www.novatti.com/solutions/online-payments https://www.novatti.com/solutions/in-person-payments https://www.novatti.com/solutions/card-issuing https://www.novatti.com/solutions/international-payments https://www.novatti.com/solutions/online-payments/direct-debit https://www.novatti.com/solutions/online-payments/pay-by-link https://www.novatti.com/solutions/in-person-payments/qr-code-payments https://www.novatti.com/solutions/international-payments/billpay https://www.novatti.com/solutions/card-issuing/digital-cards https://www.novatti.com/solutions/card-issuing/closed-loop-cards https://www.novatti.com/solutions/card-issuing/reloadable-cards https://www.novatti.com/investor-centre https://www.novatti.com/investor-centre/corporate-governance https://www.novatti.com/investor-centre/asx-announcements https://www.novatti.com/investor-centre/financial-reports https://www.novatti.com/investor-centre/investor-briefing https://www.novatti.com/blog https://www.novatti.com/search https://www.novatti.com/solutions/in-person-payments/payment-terminals https://www.novatti.com/solutions/online-payments/payto https://www.novatti.com/industries/education https://www.novatti.com/industries/pharma https://www.novatti.com/industries/proptech https://www.novatti.com/contact-us https://www.novatti.com/get-started https://www.novatti.com/developers https://www.novatti.com/industry-partners https://www.novatti.com/solutions/card-issuing/bin-sponsorship https://www.novatti.com/solutions/in-person-payments/softpos https://www.novatti.com/industries/fintech https://www.novatti.com/solutions/international-payments/cross-border-payments https://www.novatti.com/solutions/online-payments/card-acceptance https://www.novatti.com/solutions/online-payments/asian-wallets https://www.novatti.com/terms-and-conditions https://www.novatti.com/terms-and-conditions/website-terms-of-use https://www.novatti.com/terms-and-conditions/novatti-payments-terms-and-conditions-old https://www.novatti.com/terms-and-conditions/google-pay-terms-and-conditions https://www.novatti.com/terms-and-conditions/google-pay-new-zealand https://www.novatti.com/terms-and-conditions/apple-pay-australia https://www.novatti.com/terms-and-conditions/apple-pay-new-zealand https://www.novatti.com/terms-and-conditions/samsung-pay-australia https://www.novatti.com/terms-and-conditions/samsung-pay-new-zealand https://www.novatti.com/privacy-policy https://www.novatti.com/investor-centre/research-reports https://www.novatti.com/industry-reports https://www.novatti.com/sitemap https://www.novatti.com/disclosures https://www.novatti.com/general-meeting https://www.novatti.com/terms-and-conditions/novatti-payments-terms-and-conditions https://www.novatti.com/pharmacy-industry-report https://www.novatti.com/education-report https://www.novatti.com/people/abbey-gladysz https://www.novatti.com/people/accounts-receivable https://www.novatti.com/people/adel-shahin https://www.novatti.com/people/alan-munday https://www.novatti.com/people/alex-stefanovic https://www.novatti.com/people/alex-stefanovic-old https://www.novatti.com/people/barbara-lewis https://www.novatti.com/people/beth-moylan https://www.novatti.com/people/bosco-coelho https://www.novatti.com/people/byron-alvarez https://www.novatti.com/people/carly-galek https://www.novatti.com/people/charles-lee https://www.novatti.com/people/chris-ryan https://www.novatti.com/people/chrissy-savva https://www.novatti.com/people/damien-sannen https://www.novatti.com/people/david-brown https://www.novatti.com/people/dharshini-mendez https://www.novatti.com/people/diana-teo https://www.novatti.com/people/dilys-caroline https://www.novatti.com/people/elad-cohen https://www.novatti.com/people/emalka-bignell https://www.novatti.com/people/emily-davis https://www.novatti.com/people/george-botrous https://www.novatti.com/people/hayden-vowell https://www.novatti.com/people/ian-huynh https://www.novatti.com/people/james-miller https://www.novatti.com/people/jason-turnbull https://www.novatti.com/people/john-doornbusch https://www.novatti.com/people/joleen-whittaker https://www.novatti.com/people/josh-finlayson https://www.novatti.com/people/karen-wright https://www.novatti.com/people/keith-bridgart https://www.novatti.com/people/kenneth-lai https://www.novatti.com/people/kian-jackson https://www.novatti.com/people/killian-murphy https://www.novatti.com/people/kunal-sinha https://www.novatti.com/people/laura-garcia https://www.novatti.com/people/leo-borovilas https://www.novatti.com/people/linda-evans https://www.novatti.com/people/mark-healy https://www.novatti.com/people/mark-maglaras https://www.novatti.com/people/mark-presser https://www.novatti.com/people/matthew-scott https://www.novatti.com/people/may-mayanja https://www.novatti.com/people/michael-driver https://www.novatti.com/people/michael-johnson https://www.novatti.com/people/michaela-antoni https://www.novatti.com/people/nikos-karavas https://www.novatti.com/people/novatti https://www.novatti.com/people/novatti-accounts https://www.novatti.com/people/ope-abbas https://www.novatti.com/people/patricia-rodriguez https://www.novatti.com/people/peter-agnew https://www.novatti.com/people/peter-christo https://www.novatti.com/people/peter-cook https://www.novatti.com/people/peter-pawlowitsch https://www.novatti.com/people/phoebe-tan https://www.novatti.com/people/piri-paramanadan https://www.novatti.com/people/rajdeep-singh-medtiya https://www.novatti.com/people/sajith-jayaratne https://www.novatti.com/people/sophie-kung https://www.novatti.com/people/stan-rubin https://www.novatti.com/people/stephen-leeds https://www.novatti.com/people/steven-stamboultgis https://www.novatti.com/people/susan-hernandez https://www.novatti.com/people/sussana-gosios https://www.novatti.com/people/tara-cullen https://www.novatti.com/people/teddy-xiao https://www.novatti.com/people/thea-qi https://www.novatti.com/people/timothy-napper https://www.novatti.com/people/tolga-kocak https://www.novatti.com/people/tom-ng https://www.novatti.com/people/tony-mcgrath https://www.novatti.com/people/yolande-ion https://www.novatti.com/people/yuvraj-mahajan https://www.novatti.com/people/zoe-teal https://www.novatti.com/blog/10-fintechs-driving-africas-payments-industry https://www.novatti.com/blog/10-trends-that-will-impact-mobile-money-in-2015 https://www.novatti.com/blog/3-powerful-ways-to-disrupt-aid-payments-and-disbursements https://www.novatti.com/blog/3ds-explained-a-smarter-layer-of-payment-protection https://www.novatti.com/blog/6-ways-businesses-can-remit-money-between-australia-thailand https://www.novatti.com/blog/a-year-of-developments-the-3-key-fintech-disruptions-of-2015 https://www.novatti.com/blog/acquirers-vs-issuers https://www.novatti.com/blog/ai-data-and-the-future-of-fintech-in-focus-at-fintech-hui-2024 https://www.novatti.com/blog/alipay-international-students https://www.novatti.com/blog/alipay-wechat-pay-new-zealand https://www.novatti.com/blog/an-ever-evolving-payment-landscape-the-year-2021-in-review https://www.novatti.com/blog/australian-innovation-to-drive-our-digital-economy-it-starts-with-banking-services https://www.novatti.com/blog/best-payment-gateways-of-2022-in-australia https://www.novatti.com/blog/cardlinked-loyalty-program https://www.novatti.com/blog/case-study-novatti-dosh-new-zealand https://www.novatti.com/blog/chinese-customers https://www.novatti.com/blog/code-of-conduct-for-mobile-money-providers https://www.novatti.com/blog/collect-rent-payments-online https://www.novatti.com/blog/crcp-event-fraud-prevention https://www.novatti.com/blog/crypto-in-the-modern-age-how-stablecoins-are-changing-the-way-money-moves https://www.novatti.com/blog/customers-are-ready-for-new-payment-methods-are-you https://www.novatti.com/blog/data-privacy-changes-every-fintech-should-know https://www.novatti.com/blog/debit-card-programs https://www.novatti.com/blog/digital-payment-innovation-is-reshaping-the-international-education-experience-in-australia https://www.novatti.com/blog/embedded-finance https://www.novatti.com/blog/empowering-education-with-modern-payment-solutions https://www.novatti.com/blog/fighting-fraud-in-the-digital-payment-revolution https://www.novatti.com/blog/five-payment-fraud-types https://www.novatti.com/blog/five-payment-trends-2023 https://www.novatti.com/blog/future-of-payments-softpos https://www.novatti.com/blog/gen-z-defining-the-future-of-payments https://www.novatti.com/blog/gsma-world-mobile-connectivity-index https://www.novatti.com/blog/how-branchless-banking-works-in-indonesia https://www.novatti.com/blog/how-does-alipay-work https://www.novatti.com/blog/how-does-wechat-pay-work-in-australia https://www.novatti.com/blog/how-samsung-pay-is-already-paving-the-uks-payments-culture https://www.novatti.com/blog/how-the-swift-ban-on-russia-will-affect-the-global-economy https://www.novatti.com/blog/how-to-choose-a-bin-sponsor https://www.novatti.com/blog/how-to-stop-customers-going-awol-online https://www.novatti.com/blog/ice-london-2023 https://www.novatti.com/blog/issuing-webinars https://www.novatti.com/blog/leading-australian-acquirer-novatti-partners-with-mypinpad-to-offer-businesses-a-new-tap-on-phone-payments-solution https://www.novatti.com/blog/leading-fintech-innovators-in-2015 https://www.novatti.com/blog/leveraging-the-internet-of-things-iot-for-mobile-money https://www.novatti.com/blog/mobile-payment-drivers https://www.novatti.com/blog/money20-20-asia-2024 https://www.novatti.com/blog/navigating-the-digital-currency-revolution-fintech-digital-currencies-real-world-assets https://www.novatti.com/blog/novatti-and-xettas-provide-the-alipay-advantage https://www.novatti.com/blog/novatti-announces-audd-stablecoin-to-go-live-on-1-november https://www.novatti.com/blog/novatti-billpay-attends-education-conference-icef-anza https://www.novatti.com/blog/novatti-billpay-team-visits-universities-to-promote-our-bill-payments-offering https://www.novatti.com/blog/novatti-eaud-cbdc-pilot https://www.novatti.com/blog/novatti-enables-more-flexibility-with-rentpay-users https://www.novatti.com/blog/novatti-joins-care-economy-crc-to-drive-innovation-and-efficiency-in-australias-327-billion-care-sector https://www.novatti.com/blog/novatti-launches-multi-currency-platform-for-australian-bill-payments https://www.novatti.com/blog/novatti-participates-in-cbdc-pilot-with-digital-finance-cooperative-research-centre-and-the-reserve-bank-of-australia https://www.novatti.com/blog/novatti-partners-with-datamesh-to-provide-cutting-edge-card-present-payment-solutions https://www.novatti.com/blog/novatti-physically-at-the-ifx-expo-in-cyprus https://www.novatti.com/blog/novatti-secures-merchant-acquiring-licence-in-new-zealand https://www.novatti.com/blog/novatti-servicing-the-chinese-tourism-rebound-in-australia-with-digital-wallet-services https://www.novatti.com/blog/novattis-brand-refresh https://www.novatti.com/blog/online-payment-methods https://www.novatti.com/blog/partner-profile-csens-green-payment-gateway https://www.novatti.com/blog/payments-in-southeast-asia-insights-and-learnings-for-australia https://www.novatti.com/blog/payments-system-strategic-plan https://www.novatti.com/blog/prepaid-platform-for-innovation https://www.novatti.com/blog/privacy-through-prepaid-vouchers https://www.novatti.com/blog/program-management-how-it-works https://www.novatti.com/blog/real-time-funding https://www.novatti.com/blog/remittance-industry-under-attack https://www.novatti.com/blog/rentpay-platform-reshaping-how-australians-pay-rent https://www.novatti.com/blog/rise-of-mobile-wallets-and-cashless-payments-australia-new-zealand https://www.novatti.com/blog/riskified-and-novatti-enter-exclusive-partnership-to-provide-secure-payment-solutions-powered-by-best-in-class-chargeback-guarantee https://www.novatti.com/blog/securing-and-preventing-fraud-in-digital-payments https://www.novatti.com/blog/selling-coffee-through-information-flows https://www.novatti.com/blog/small-business-payment-trends https://www.novatti.com/blog/the-democratisation-of-everything-but-let-us-do-money-first https://www.novatti.com/blog/the-rise-of-digital-payments https://www.novatti.com/blog/the-rise-of-stablecoins-why-users-seek-stability-in-a-decentralised-market https://www.novatti.com/blog/travel-multicurrency-cards https://www.novatti.com/blog/types-of-mobile-financial-services https://www.novatti.com/blog/unilodge-and-novatti-providing-international-student-savvy-solutions-for-tuition-fee-payments https://www.novatti.com/blog/usds-impact-on-the-bitcoin-remittance-industries-in-iran https://www.novatti.com/blog/virtual-cards https://www.novatti.com/blog/was-starbucks-digital-wallet-investment-worth-it https://www.novatti.com/blog/web-3-0-what-does-it-mean-for-the-fintech-industry https://www.novatti.com/blog/what-can-we-learn-from-m-pesa-bkash https://www.novatti.com/blog/what-trump-means-for-international-remittance https://www.novatti.com/blog/whats-the-difference-between-foreign-currency-accounts-and-global-business-accounts https://www.novatti.com/blog/why-choose-end-to-end-payments-processor https://www.novatti.com/blog/why-diversification-is-the-key-to-your-payment-acceptance-strategy https://www.novatti.com/blog/why-you-should-be-looking-at-cryptocurrency-cards https://www.novatti.com/blog/wirex-changing-the-way-the-world-pays https://www.novatti.com/blog/workplace-diversity-inclusion https://www.novatti.com/category/annual-reports https://www.novatti.com/category/asx-announcements https://www.novatti.com/category/case-studies https://www.novatti.com/category/compliance https://www.novatti.com/category/corporate-governance https://www.novatti.com/category/disclosures https://www.novatti.com/category/industry-reports https://www.novatti.com/category/investor-news https://www.novatti.com/category/investor-resources https://www.novatti.com/category/news https://www.novatti.com/category/research-reports https://www.novatti.com/category/solutions https://www.novatti.com/resources/01-04-2026-notification-of-cessation-of-securities-nov https://www.novatti.com/resources/01-07-2019-appendix-3b https://www.novatti.com/resources/01-07-2024---pipeline-of-over-500-new-merchants-to-be-onboarded https://www.novatti.com/resources/01-11-2024---completion-of-despatch-of-prospectus https://www.novatti.com/resources/01-11-2024---entitlement-offer-opens https://www.novatti.com/resources/01-11-2024---notification-to-ineligible-shareholders https://www.novatti.com/resources/01-12-2025-notification-of-cessation-of-securities-nov https://www.novatti.com/resources/02-01-2020---appendix-3b https://www.novatti.com/resources/02-01-2024---capital-raising-initiative https://www.novatti.com/resources/02-01-2026-general-meeting-and-access-proxy-form https://www.novatti.com/resources/02-01-2026-notice-of-general-meeting-proxy-form https://www.novatti.com/resources/02-04-2019---change-in-substantial-holding https://www.novatti.com/resources/02-04-2020---acquisition-of-emersion https://www.novatti.com/resources/02-04-2020---emersion-acquisition-presentation https://www.novatti.com/resources/02-07-2021---capital-raising-and-strategic-stake-expands-growth-strategy https://www.novatti.com/resources/02-07-2021---novatti-presentation-capital-raising-and-strategic-acquisition https://www.novatti.com/resources/02-10-2020---anz-to-provide-transactional-banking-to-rentpay https://www.novatti.com/resources/02-10-2020---new-licence-paves-the-way-for-new-zealand-expansion https://www.novatti.com/resources/02-11-2020-partnering-with-google-pay-samsung-pay-for-visa-prepaid https://www.novatti.com/resources/02-12-2024---change-of-directors-interest-notice https://www.novatti.com/resources/02-12-2024---notification-of-cessation-of-securities https://www.novatti.com/resources/02-12-2025-change-of-directors-interest-3 https://www.novatti.com/resources/02-12-2025-notification-regarding-unquoted-securities-nov https://www.novatti.com/resources/03-04-2023---appointment-of-new-chief-financial-officer https://www.novatti.com/resources/03-05-2021---funding-commitments-strategic-partner-see-new-banking-business-launch-ready https://www.novatti.com/resources/03-06-2019---appendix-3b https://www.novatti.com/resources/03-06-2020---emersion-successfully-integrated-and-beating-expectation https://www.novatti.com/resources/03-09-2021---s-p-dji-announces-september-2021-quarterly-rebalance https://www.novatti.com/resources/04-04-2022---agreement-to-provide-payment-solutions-to-reckon-limiteds-114k-users https://www.novatti.com/resources/04-04-2022---reckon-to-integrate-payment-solutions-into-product-offering https://www.novatti.com/resources/04-07-2025-application-for-quotation-of-securities-nov https://www.novatti.com/resources/04-07-2025-change-of-directors-interest-2-pdf https://www.novatti.com/resources/04-09-2020---salesforce-clears-emersion-for-launch-on-global-marketplace https://www.novatti.com/resources/04-09-2025-application-for-quotation-of-securities-nov https://www.novatti.com/resources/05-02-2024---prospectus-options https://www.novatti.com/resources/05-02-2024---share-purchase-plan-booklet https://www.novatti.com/resources/05-02-2024-letter-to-eligible-shareholders https://www.novatti.com/resources/05-02-2026-results-of-meeting https://www.novatti.com/resources/05-05-2022---novatti-to-launch-aud-stablecoin-leveraging-stellar-blockchain https://www.novatti.com/resources/06-01-2020---next-investment-round-in-banking-services-subsidiary https://www.novatti.com/resources/06-02-2026-notification-regarding-unquoted-securities-nov https://www.novatti.com/resources/06-03-2020---new-partnership-finalised-for-rental-payments-processing https://www.novatti.com/resources/06-08-2021---share-purchase-plan-closes https://www.novatti.com/resources/07-02-2020---mou-to-strengthen-transaction-processing-business https://www.novatti.com/resources/07-03-2024---rentpay-launches-new-international-payment-methods https://www.novatti.com/resources/07-03-2024---rentpay-launches-new-payment-methods https://www.novatti.com/resources/07-07-2025-notification-of-cessation-of-securities-nov https://www.novatti.com/resources/07-10-2021---series-a-funding-for-new-banking-business-enables-plan-for-growth https://www.novatti.com/resources/07-11-2019---convertible-notes-to-fund-payments-processing-growth-plans https://www.novatti.com/resources/07-11-2022---international-bank-of-australia-presentation https://www.novatti.com/resources/07-11-2022---novatti-to-launch-international-bank-of-australia https://www.novatti.com/resources/07-12-2020---ripple-partnership-to-fast-track-growth-in-south-east-asia https://www.novatti.com/resources/08-01-2026--notification-of-cessation-of-securities-nov https://www.novatti.com/resources/08-01-2026-application-for-quotation-of-securities-nov https://www.novatti.com/resources/08-04-2019---expansion-of-china-payments-partnerships-processing https://www.novatti.com/resources/08-04-2019-opn-roolife-platform-extends-reach-with-nov-china-payments https://www.novatti.com/resources/08-07-2020---novatti-exits-sendfx-investment https://www.novatti.com/resources/08-10-2020---international-expansion-to-continue-as-emersion-readies-for-us-launch https://www.novatti.com/resources/08-11-2019---first-investment-round-in-novattis-banking-services https://www.novatti.com/resources/08-11-2021---acquiring-licences-awarded-by-visa-and-mastercard https://www.novatti.com/resources/08-12-2025-audc-raises-5m-in-its-pre-series-a-round https://www.novatti.com/resources/09-03-2025-emersion-sale-continues-business-streamlining https://www.novatti.com/resources/09-04-2020---guidance-received-on-banking-license-processing-during-covid-19 https://www.novatti.com/resources/09-04-2021---banking-business-converting-note-buy-back https://www.novatti.com/resources/09-04-2021---ripple-partnership-live-to-philippines https://www.novatti.com/resources/09-04-2024---market-led-customer-focus-sees-commercial-lift-in-aunz https://www.novatti.com/resources/09-06-2021---investor-presentation https://www.novatti.com/resources/09-06-2022---novatti-to-issue-aud-backed-stablecoin-on-xrp-ledger https://www.novatti.com/resources/09-06-2022---novatti-to-issue-australian-dollar-backed-stablecoin-on-xrp-ledger https://www.novatti.com/resources/09-09-2019---novatti-achieves-visa-principal-status https://www.novatti.com/resources/09-10-2024---trading-halt https://www.novatti.com/resources/09-12-2024---application-for-quotation-of-securities---3 https://www.novatti.com/resources/09-12-2024---issue-of-tranche-2-placement-shares-and-options https://www.novatti.com/resources/09-24-2025-coinbase-partners-with-audc-to-list-audd-in-an-australian-first https://www.novatti.com/resources/10-04-2019---fin-news-network-investor-seminar-presentation https://www.novatti.com/resources/10-06-2020---alipay-adds-chinapayments-to-its-app https://www.novatti.com/resources/10-07-2020---corporate-presentation https://www.novatti.com/resources/10-12-2024---change-in-substantial-holding https://www.novatti.com/resources/11-02-2019---creating-australias-leading-migrant-bank https://www.novatti.com/resources/11-02-2025-appendix-3g-notification-of-issue-conversion-or-payment-up-of-unquoted-equity-securities https://www.novatti.com/resources/11-02-2026-audc-granted-afsl-for-non-cash-payment-facilities https://www.novatti.com/resources/11-03-2019---sendfx-selects-novatti-as-its-key-supplier-of-technology https://www.novatti.com/resources/11-03-2021---lifepay-moves-to-commercial-launch https://www.novatti.com/resources/11-08-2020---update-on-apra-bank-license-issuing https://www.novatti.com/resources/11-09-2025-application-for-quotation-of-securities-nov https://www.novatti.com/resources/11-09-2025-cleansing-notice https://www.novatti.com/resources/11-10-2024---capital-raising-announced-backed-by-professional-and-institutional-investors https://www.novatti.com/resources/11-12-2023---strategic-review-identifies-external-funding-for-growth-initiatives https://www.novatti.com/resources/11-12-2024---application-for-quotation-of-securities https://www.novatti.com/resources/11-12-2024---application-for-quotation-of-securities---2 https://www.novatti.com/resources/11-12-2024---application-for-quotation-of-securities---nov-2 https://www.novatti.com/resources/11-12-2024---cleansing-notice https://www.novatti.com/resources/12-02-2026-notification-regarding-unquoted-securities-nov https://www.novatti.com/resources/12-04-2022---investor-presentation---fintech-investment-forum https://www.novatti.com/resources/12-07-2021---share-purchase-plan-booklet https://www.novatti.com/resources/13-03-2023---no-exposure-to-silicon-valley-bank-receivership https://www.novatti.com/resources/13-05-2025-resignation-of-chief-financial-officer-and-interim-appointment https://www.novatti.com/resources/13-07-2021---completion-of-acquisition-of-strategic-stake-in-reckon-limited https://www.novatti.com/resources/13-11-2025-proposed-issue-of-securities-nov https://www.novatti.com/resources/13-11-2025-strategic-investor-to-underpin-growth-strategy https://www.novatti.com/resources/13-12-2021---appointment-of-non-executive-director---abigail-cheadle https://www.novatti.com/resources/14-01-2022---completion-of-atx-acquisition https://www.novatti.com/resources/14-02-2024-general-meeting-presentation https://www.novatti.com/resources/14-06-2023---ceo-succession https://www.novatti.com/resources/14-08-2018---corporate-overview---august-2018 https://www.novatti.com/resources/14-11-2025-application-for-quotation-of-securities-nov https://www.novatti.com/resources/14-11-2025-cleansing-notice https://www.novatti.com/resources/15-08-2022---10-5m-in-new-growth-funds-to-unlock-larger-markets https://www.novatti.com/resources/15-10-2018---transactional-revenue-update https://www.novatti.com/resources/15-10-2025-notice-of-annual-general-meeting-explanatory-statement-and-proxy-form https://www.novatti.com/resources/15-10-2025-upcoming-annual-general-meeting-of-shareholders https://www.novatti.com/resources/16-04-2019---sale-of-buy-now-pay-later-solution-to-slice-payments https://www.novatti.com/resources/16-04-2020---visa-issuing-business-launched-with-new-partnership https://www.novatti.com/resources/16-07-2018---transaction-revenue-update https://www.novatti.com/resources/16-09-2025-corporate-calendar https://www.novatti.com/resources/16-10-2018---freight-lounge-to-deploy-novatti-digital-banking-technology https://www.novatti.com/resources/16-10-2019---notice-of-annual-general-meeting-proxy-form https://www.novatti.com/resources/16-11-2023---sale-of-reckon-shares-redemption-of-10-5m-bond-facility https://www.novatti.com/resources/17-03-2021---novatti-fintech-underpins-litt-social-media-platform https://www.novatti.com/resources/17-03-2026-application-for-quotation-of-securities-nov https://www.novatti.com/resources/17-04-2026-notification-of-cessation-of-securities-nov https://www.novatti.com/resources/17-07-2020---letter-to-shareholders https://www.novatti.com/resources/17-07-2020---notice-of-general-meeting-proxy-form https://www.novatti.com/resources/18-02-2019---chinapayments-com-transactions-update https://www.novatti.com/resources/18-03-2019---2-million-capital-raising https://www.novatti.com/resources/18-07-2025-notification-regarding-unquoted-securities-nov https://www.novatti.com/resources/18-08-2020---fy20-results-investor-briefing-27-august-2020 https://www.novatti.com/resources/18-10-2018---new-basis2-licencing-sale https://www.novatti.com/resources/18-11-2025-audd-passes-1b-in-transactions-on-stellar-blockchain https://www.novatti.com/resources/18-12-2020---end-of-2020-business-update https://www.novatti.com/resources/19-03-2019---novatti-joins-ibm-world-wire-network-as-a-foundation-member https://www.novatti.com/resources/19-05-2022---reckon-signs-agreement-to-sell-accountants-practice-management-group-for-100-million https://www.novatti.com/resources/19-12-2019---appendix-3b https://www.novatti.com/resources/19-12-2025-update-proposed-issue-of-securities-nov https://www.novatti.com/resources/20-01-2021---visa-licences-novatti-to-issue-cards-in-new-zealand https://www.novatti.com/resources/20-02-2026-atx-service-of-writ-of-summons https://www.novatti.com/resources/20-04-2020---novatti-group-investor-presentation---april-2020 https://www.novatti.com/resources/20-05-2022---reckon-sells-apmg-business-for-100m https://www.novatti.com/resources/20-06-2020---next-growth-phase-funded-with-10-2m-capital-raising https://www.novatti.com/resources/20-07-2021---notice-of-general-meeting-and-proxy-form https://www.novatti.com/resources/20-08-2018---agreement-with-payzero-for-cross-border-payment-processing https://www.novatti.com/resources/20-08-2021---results-of-meeting https://www.novatti.com/resources/20-09-2021---corporate-calendar https://www.novatti.com/resources/20-10-2021---acquisition-of-atx-presentation https://www.novatti.com/resources/20-10-2021---acquisition-of-leading-south-east-asian-fintech---atx https://www.novatti.com/resources/2016-annual-report https://www.novatti.com/resources/2017-annual-report https://www.novatti.com/resources/2018-annual-report https://www.novatti.com/resources/2019-annual-report https://www.novatti.com/resources/2020-annual-report https://www.novatti.com/resources/2021-annual-report https://www.novatti.com/resources/2022-annual-report https://www.novatti.com/resources/2023-annual-report https://www.novatti.com/resources/2024-annual-report https://www.novatti.com/resources/2025-annual-report https://www.novatti.com/resources/21-06-2023---investor-presentation https://www.novatti.com/resources/22-01-2019---december-2018-transactional-revenue-update https://www.novatti.com/resources/22-01-2021---novattis-visa-prepaid-cards-now-supported-by-apple-pay https://www.novatti.com/resources/22-02-2024---extension-of-share-purchase-plan https://www.novatti.com/resources/22-10-2020---agm-letter-to-shareholders https://www.novatti.com/resources/22-10-2020---notice-of-agm-and-proxy-form https://www.novatti.com/resources/22-10-2021---letter-to-shareholders-agm-access https://www.novatti.com/resources/22-10-2021---notice-of-annual-general-meeting-proxy-form https://www.novatti.com/resources/22-11-2018---lodgement-of-restricted-bank-licence-application https://www.novatti.com/resources/22-11-2018---revised-lodgement-of-restricted-bank-licence-application https://www.novatti.com/resources/22-11-2022---12-8m-special-dividend-received https://www.novatti.com/resources/23-01-2020---transaction-processing-revenue-grows-45-yoy-in-dec-quarter-to-1-55m https://www.novatti.com/resources/23-01-2023---2-3m-government-grant-approved https://www.novatti.com/resources/23-01-2023---chief-financial-officer-resignation https://www.novatti.com/resources/23-07-2024---trading-halt https://www.novatti.com/resources/23-09-2024---corporate-calendar https://www.novatti.com/resources/23-09-2024---response-to-asx-price-query https://www.novatti.com/resources/23-10-2024---issue-of-tranche-1-placement-shares-cleansing-notice-and-updated-timetable https://www.novatti.com/resources/23-11-2020---unionpay-merchant-acquiring-partnership https://www.novatti.com/resources/23-11-2022---novatti-2022-agm-presentation https://www.novatti.com/resources/23-11-2022---results-of-meeting https://www.novatti.com/resources/24-01-2024---audd-pre-seed-funding https://www.novatti.com/resources/24-02-2021---lifepay-platform-is-launched-leveraging-novatti-technology https://www.novatti.com/resources/24-07-2025-application-for-quotation-of-securities-nov https://www.novatti.com/resources/24-09-2020---corporate-calendar---notice-of-agm https://www.novatti.com/resources/24-09-2021---novatti-ripple-partnership-expands-into-thailand https://www.novatti.com/resources/24-10-2024---prospectus https://www.novatti.com/resources/24-10-2024---target-market-determination https://www.novatti.com/resources/25-02-2020---convertible-notes-issued-to-fund-growth-plans https://www.novatti.com/resources/25-06-2020---global-payments-leader-marqeta-selects-novatti-as-its-australian-partner https://www.novatti.com/resources/25-07-2024---sale-of-interest-in-international-bank-of-australia https://www.novatti.com/resources/25-10-2018---notice-of-annual-general-meeting-proxy-form https://www.novatti.com/resources/25-10-2018---novatti---aud-utility-token-anchor-on-the-stellar-network https://www.novatti.com/resources/25-10-2022---notice-of-annual-general-meeting-explanatory-statement-and-proxy-form https://www.novatti.com/resources/25-11-2019---agm-presentation https://www.novatti.com/resources/25-11-2019---results-of-meeting https://www.novatti.com/resources/25-11-2020---managing-directors-agm-presentation https://www.novatti.com/resources/25-11-2020---results-of-annual-general-meeting https://www.novatti.com/resources/25-11-2025-agm-presentation https://www.novatti.com/resources/25-11-2025-novatti-strengthens-board-for-growth-with-new-appointments https://www.novatti.com/resources/26-02-2021---half-year-update-and-appendix-4d https://www.novatti.com/resources/26-09-2019---full-year-statutory-accounts https://www.novatti.com/resources/26-09-2024---annual-report-to-shareholders https://www.novatti.com/resources/26-09-2024---appendix-4g-and-corporate-governance-statement https://www.novatti.com/resources/26-09-2025-appendix-4g-and-corporate-governance-statement https://www.novatti.com/resources/26-10-2020---appendix-4c-and-quarterly-update https://www.novatti.com/resources/26-11-2024---completion-of-entitlement-offer https://www.novatti.com/resources/26-11-2024---top-20-option-list-0-064-expiring-31-december-2027 https://www.novatti.com/resources/27-02-2020---appendix-4d-and-half-year-financial-statements https://www.novatti.com/resources/27-02-2020---december-2019-half-yearly-commentary https://www.novatti.com/resources/27-02-2025---h1-fy25-results-announcement https://www.novatti.com/resources/27-02-2026-h1-fy26-results-announcement https://www.novatti.com/resources/27-02-2026-half-yearly-report-and-accounts https://www.novatti.com/resources/27-04-2020---another-record-quarter-of-processing-revenue https://www.novatti.com/resources/27-05-2020---neobank-update https://www.novatti.com/resources/27-07-2020---june-2020-quarter-processing-revenue-update https://www.novatti.com/resources/27-08-2020---appendix-4g---fy20-corporate-governance-statement https://www.novatti.com/resources/27-08-2020---investor-presentation https://www.novatti.com/resources/27-08-2020---novatti-fy20-annual-report https://www.novatti.com/resources/27-08-2020---preliminary-report https://www.novatti.com/resources/27-10-2023---agm-notice-and-proxy-form https://www.novatti.com/resources/27-10-2023---notice-of-2023-agm-and-explanatory-statement https://www.novatti.com/resources/27-11-2024---application-for-quotation-of-securities https://www.novatti.com/resources/27-11-2024---application-for-quotation-of-securities---nov https://www.novatti.com/resources/27-11-2025-final-directors-interest-notice https://www.novatti.com/resources/27-11-2025-notification-regarding-unquoted-securities-nov https://www.novatti.com/resources/28-02-2019---appendix-3b-and-cleansing-notice https://www.novatti.com/resources/28-02-2019---appendix-4d-half-year-financial-statements https://www.novatti.com/resources/28-02-2022---half-yearly-report-and-accounts https://www.novatti.com/resources/28-02-2023---31-december-2022-half-year-presentation https://www.novatti.com/resources/28-02-2023---half-yearly-report-and-accounts https://www.novatti.com/resources/28-02-2024---half-yearly-report-and-accounts https://www.novatti.com/resources/28-04-2023---march-quarter-results-presentation https://www.novatti.com/resources/28-04-2023---quarterly-activities-and-appendix-4c-cash-flow-report https://www.novatti.com/resources/28-09-2023---appendix-4g-and-corporate-governance-statement https://www.novatti.com/resources/28-09-2023---fy23-annual-report https://www.novatti.com/resources/28-10-2024---agm-notice-access-proxy-form https://www.novatti.com/resources/28-11-2023---2023-agm-presentation https://www.novatti.com/resources/28-11-2024---agm-presentation https://www.novatti.com/resources/28-11-2024---results-of-annual-general-meeting https://www.novatti.com/resources/28-11-2025-initial-directors-interest-notice-2 https://www.novatti.com/resources/28-12-2022---director-resignation https://www.novatti.com/resources/29-01-2021---quarterly-activities-report-appendix-4c https://www.novatti.com/resources/29-02-2024---results-of-share-purchase-plan https://www.novatti.com/resources/29-03-2019---appendix-3b-cleansing-notice https://www.novatti.com/resources/29-04-2021---afterpay-partners-with-novatti-in-new-zealand https://www.novatti.com/resources/29-04-2022---march-quarter-results-presentation https://www.novatti.com/resources/29-04-2022---march-quarterly-activities-and-appendix-4c-cash-flow-report https://www.novatti.com/resources/29-04-2026-march-quarter-results-presentation https://www.novatti.com/resources/29-04-2026-quarterly-activities-appendix-4c-cash-flow-report https://www.novatti.com/resources/29-07-2021---june-quarter-fy21-activities-report-and-appendix-4c https://www.novatti.com/resources/29-07-2021---june-quarter-fy21-results-presentation https://www.novatti.com/resources/29-07-2022---fy22-revenue-exceeds-32m-as-q4-cash-use-falls-48 https://www.novatti.com/resources/29-07-2022---june-quarter-fy22-results-presentation https://www.novatti.com/resources/29-08-2024---amended-june-quarter-fy24-activities-report-and-appendix-4c https://www.novatti.com/resources/29-09-2020---launch-of-digital-payments-accelerator https://www.novatti.com/resources/29-10-2021---quarterly-activities-and-appendix-4c-cash-flow-report https://www.novatti.com/resources/29-10-2021---september-quarter-results-presentation https://www.novatti.com/resources/29-11-2024---change-in-substantial-holding https://www.novatti.com/resources/30-01-2026-december-quarter-results-presentation https://www.novatti.com/resources/30-01-2026-quarterly-activities-appendix-4c-cash-flow-report https://www.novatti.com/resources/30-03-2021---emersion-launches-in-us-ahead-of-strong-forecast-market-growth https://www.novatti.com/resources/30-04-2019---appendix-4c https://www.novatti.com/resources/30-04-2019---march-2019-quarterly-update https://www.novatti.com/resources/30-04-2020---appendix-4c-cash-flow-report https://www.novatti.com/resources/30-04-2020---novatti-quarterly-revenue-surpasses-3m-for-first-time https://www.novatti.com/resources/30-04-2021---appendix-4c-and-quarterly-update https://www.novatti.com/resources/30-04-2024---march-quarter-fy24-activities-report-and-appendix-4c https://www.novatti.com/resources/30-04-2024---march-quarter-results-presentation https://www.novatti.com/resources/30-04-2025---march-2025-quarter-activities-report-and-appendix-4c1 https://www.novatti.com/resources/30-04-2026-resignation-of-company-secretary https://www.novatti.com/resources/30-06-2021---strategic-stake-in-reckon-limited-and-capital-raising https://www.novatti.com/resources/30-06-2021---trading-halt https://www.novatti.com/resources/30-07-2019---appendix-4c---quarterly https://www.novatti.com/resources/30-07-2019---june-2019-quarter-update https://www.novatti.com/resources/30-07-2020---appendix-4c---quarterly https://www.novatti.com/resources/30-07-2020---june-2020-quarterly-update https://www.novatti.com/resources/30-08-2018---appendix-4e---fy2018-preliminary-final-report https://www.novatti.com/resources/30-08-2019---investor-presentation https://www.novatti.com/resources/30-08-2019---preliminary-final-report https://www.novatti.com/resources/30-08-2024---novatti-group-fy24-results-announcement https://www.novatti.com/resources/30-08-2024---preliminary-final-report-appendix-4e https://www.novatti.com/resources/30-10-2020---corporate-presentation-update https://www.novatti.com/resources/30-10-2023---september-quarter-activities-report-and-cash-flow-statement https://www.novatti.com/resources/30-10-2023---september-quarter-results-presentation https://www.novatti.com/resources/30-10-2024---september-2024-quarter-activities-report-and-appendix-4c https://www.novatti.com/resources/30-10-2024---september-quarter-results-presentation https://www.novatti.com/resources/30-11-2021---update-on-new-banking-business https://www.novatti.com/resources/31-01-2019---december-2018-quarterly-update https://www.novatti.com/resources/31-01-2020---appendix-4c https://www.novatti.com/resources/31-01-2020---december-2019-quarterly-financial-update-appendix-4c https://www.novatti.com/resources/31-01-2022---december-quarter-fy22-results-presentation https://www.novatti.com/resources/31-01-2022---quarterly-activities-and-cash-flow-report https://www.novatti.com/resources/31-01-2023---december-quarter-fy23-activities-report-and-appendix-4c https://www.novatti.com/resources/31-01-2023---december-quarter-fy23-results-presentation https://www.novatti.com/resources/31-01-2024---december-quarter-fy24-activities-report-and-appendix-4c https://www.novatti.com/resources/31-01-2024---december-quarter-results-presentation https://www.novatti.com/resources/31-01-2025---december-quarter-fy24-activities-report-and-appendix-4c https://www.novatti.com/resources/31-01-2025---december-quarter-fy24-activities-update https://www.novatti.com/resources/31-03-2026-application-for-quotation-of-securities-nov https://www.novatti.com/resources/31-03-2026-notification-of-cessation-of-securities-nov-copy https://www.novatti.com/resources/31-05-2019---blockchain-technology-update https://www.novatti.com/resources/31-07-2018---appendix-4c---quarterly https://www.novatti.com/resources/31-07-2018---june-2018-quarterly-update https://www.novatti.com/resources/31-07-2023---june-quarter-fy23-activities-report-and-appendix-4c https://www.novatti.com/resources/31-07-2023---june-quarter-results-presentation https://www.novatti.com/resources/31-07-2024---june-quarter-fy24-activities-report-and-appendix-4c https://www.novatti.com/resources/31-07-2024---june-quarter-results-presentation https://www.novatti.com/resources/31-08-2018---appendix-4g---fy2018-corporate-governance-disclosure https://www.novatti.com/resources/31-08-2018---novatti-fy2018---annual-accounts-overview https://www.novatti.com/resources/31-08-2018---novatti-fy2018-annual-report https://www.novatti.com/resources/31-08-2021---2021-appendix-4g-and-corporate-governance-statement https://www.novatti.com/resources/31-08-2021---ecosystem-investment-positions-for-future-growth https://www.novatti.com/resources/31-08-2021---novatti-fy21-results-presentation https://www.novatti.com/resources/31-08-2021---novatti-group-limited-annual-report-2021 https://www.novatti.com/resources/31-08-2021---preliminary-final-report https://www.novatti.com/resources/31-08-2022---97-increase-in-annual-revenue-with-shift-to-positive-cashflow-underway https://www.novatti.com/resources/31-08-2022---fy22-annual-report https://www.novatti.com/resources/31-08-2022---fy22-results-presentation https://www.novatti.com/resources/31-08-2023---fy23-preliminary-final-report https://www.novatti.com/resources/31-08-2023---fy23-results-commentary https://www.novatti.com/resources/31-10-2018---appendix-4c---quarterly https://www.novatti.com/resources/31-10-2018---september-2018-quarter-update https://www.novatti.com/resources/31-10-2019---appendix-4c---september-2019-quarterly https://www.novatti.com/resources/31-10-2019---september-2019-quarter-update https://www.novatti.com/resources/31-10-2022---quarterly-activities-appendix-4c-cash-flow-report https://www.novatti.com/resources/31-10-2022---september-quarter-results-presentation https://www.novatti.com/resources/31-10-2025-september-2025-quarter-activities-report-and-appendix-4c https://www.novatti.com/resources/31-10-2025-september-2025-quarter-results-presentation https://www.novatti.com/resources/31-2025---june-2025-quarter-activities-report-and-appendix-4c1-copy https://www.novatti.com/resources/a-message-from-peter-cook-managing-director-of-novatti-group-asx-nov https://www.novatti.com/resources/appendix-4d-half-year-report-and-accounts https://www.novatti.com/resources/audc-closes-seed-round---novattis-interest-valued-at-a-7-million https://www.novatti.com/resources/baker-young-research-report-19-july-2017 https://www.novatti.com/resources/director-skills-matrix https://www.novatti.com/resources/emerald-financial-report-1-february-2024 https://www.novatti.com/resources/emerald-financial-report-11-april-2023 https://www.novatti.com/resources/emerald-financial-report-12-june-2020 https://www.novatti.com/resources/emerald-financial-report-13-april-2022 https://www.novatti.com/resources/emerald-financial-report-14-november-2022 https://www.novatti.com/resources/emerald-financial-report-15-march-2021-5yui0 https://www.novatti.com/resources/emerald-financial-report-16-september-2021 https://www.novatti.com/resources/emerald-financial-report-30-september-2020 https://www.novatti.com/resources/employee-incentive-plan https://www.novatti.com/resources/esg-sustainability-policy https://www.novatti.com/resources/fiat-backed-stablecoins-sw-talks-audd-stablecoin-with-peter-cook-novatti https://www.novatti.com/resources/fnn-interview-novatti-group-asx-nov-fy21-results-outlook https://www.novatti.com/resources/fnn-interview-novatti-group-asx-nov-june-quarter-fy21-update https://www.novatti.com/resources/fy25-results-turnaround-benefits-embedded https://www.novatti.com/resources/mst-access-report-2-july-2024 https://www.novatti.com/resources/mst-access-report-2-may-2022 https://www.novatti.com/resources/mst-access-report-2-november-2023 https://www.novatti.com/resources/mst-access-report-2-september-2024 https://www.novatti.com/resources/mst-access-report-20-july-2021 https://www.novatti.com/resources/mst-access-report-21-november-2023 https://www.novatti.com/resources/mst-access-report-3-february-2023 https://www.novatti.com/resources/mst-access-report-4-august-2022 https://www.novatti.com/resources/mst-access-report-8-december-2022 https://www.novatti.com/resources/mst-access-update-3-november-2021 https://www.novatti.com/resources/mst-access-update-4-february-2022 https://www.novatti.com/resources/mst-access-update-report-30-july-2021 https://www.novatti.com/resources/nov-investor-briefing---31-august-2021 https://www.novatti.com/resources/novatti---half-year-results-and-company-update---investor-briefing-march-2021 https://www.novatti.com/resources/novatti-among-the-bnpl-glitterati---ausbiz-30th-april-2021 https://www.novatti.com/resources/novatti-anti-bribery-and-anti-corruption-policy https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-29-july-2022 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-30-april-2024 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-30-april-2024-54514 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-30-april-2025 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-30-october-2023 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-31-july-2023 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-31-july-2025 https://www.novatti.com/resources/novatti-asx-nov-investor-briefing-replay-jan-31-2022 https://www.novatti.com/resources/novatti-board-charter https://www.novatti.com/resources/novatti-code-of-conduct https://www.novatti.com/resources/novatti-company-update---december-2020 https://www.novatti.com/resources/novatti-constitution https://www.novatti.com/resources/novatti-continuance-disclosure-policy https://www.novatti.com/resources/novatti-corporate-governance https://www.novatti.com/resources/novatti-corporate-governance-2 https://www.novatti.com/resources/novatti-diversity-policy https://www.novatti.com/resources/novatti-evaluation-practices https://www.novatti.com/resources/novatti-group-asx-nov---payment-acquiring-licences-with-visa-and-mastercard-november-2021 https://www.novatti.com/resources/novatti-group-asx-nov---receives-major-external-funding-ready-for-licence-and-launch https://www.novatti.com/resources/novatti-group-asx-nov-1h18-results-outlook https://www.novatti.com/resources/novatti-group-asx-nov-atx-acquisition-october-2021-fnn-interview https://www.novatti.com/resources/novatti-group-asx-nov-dec-20-quarterly-update---finance-news-network https://www.novatti.com/resources/novatti-group-asx-nov-discusses-stablecoin-and-blockchain-technology https://www.novatti.com/resources/novatti-group-asx-nov-partnering-with-unionpay-google-pay-samsung-pay https://www.novatti.com/resources/novatti-group-asx-nov-quarterly-update-september-2020 https://www.novatti.com/resources/novatti-group-audit-policy https://www.novatti.com/resources/novatti-group-emersion-acquisition https://www.novatti.com/resources/novatti-group-limited-asx-nov-ceo-peter-cook-talks-about-the-growing-demand-for-digital-payments-and-the-opportunities-this-presents-for-the-company https://www.novatti.com/resources/novatti-investor-briefing-recording---29th-july-2021 https://www.novatti.com/resources/novatti-investor-briefing-recording---launch-of-international-bank-of-australia-7th-november-2022 https://www.novatti.com/resources/novatti-investor-briefing-recording-27-august-2020 https://www.novatti.com/resources/novatti-investor-briefing-recording-replay---recorded-28th-apr-2023 https://www.novatti.com/resources/novatti-investor-briefing-recording-replay---recorded-31st-january-2022 https://www.novatti.com/resources/novatti-investor-briefing-replay---29th-april-2022 https://www.novatti.com/resources/novatti-market-update-30-july-2020 https://www.novatti.com/resources/novatti-modern-slavery-policy https://www.novatti.com/resources/novatti-on-stocks-of-the-hour-finance-news-network https://www.novatti.com/resources/novatti-procedure-for-the-selection-and-appointment-of-directors https://www.novatti.com/resources/novatti-quarterly-update-investor-briefing-29-oct-2021 https://www.novatti.com/resources/novatti-remuneration-policy https://www.novatti.com/resources/novatti-reports-q1-revenue-46-yoy-to-3-56m https://www.novatti.com/resources/novatti-vision-and-values https://www.novatti.com/resources/npp-payto-product-disclosure-statement https://www.novatti.com/resources/peter-cook-from-novatti-group-asx-nov-the-ceo-masterclass https://www.novatti.com/resources/pharmacy-digital-transformation-guide https://www.novatti.com/resources/product-disclosure-statement---bpay https://www.novatti.com/resources/product-disclosure-statement---issuing https://www.novatti.com/resources/product-disclosure-statement-direct-debit https://www.novatti.com/resources/risk-management-and-internal-compliance-control https://www.novatti.com/resources/rkn---mst-access-report-20-may-2022 https://www.novatti.com/resources/securities-trading-policy https://www.novatti.com/resources/shareholders-communication-policy https://www.novatti.com/resources/stellar-novatti-partnership-tron-news-new-york-probes-exchanges---april-19th-cryptocurrency-news https://www.novatti.com/resources/target-market-determination---bpay https://www.novatti.com/resources/target-market-determination---issuing https://www.novatti.com/resources/target-market-determination---npp-payto https://www.novatti.com/resources/target-market-determination-direct-debit https://www.novatti.com/resources/v-con-fintech---novatti-asx-nov https://www.novatti.com/resources/vendor-management-policy https://www.novatti.com/resources/whistle-blower-policy