About Kuber Financial
Kuber Financial is a next-generation payments platform helping Australian businesses process transactions seamlessly, securely, and at a lower cost. By leveraging technology like PayTo, Kuber tackles inefficiencies in the Australian payments landscape. The platform integrates Zai technology to simplify payments, reduce reliance on traditional banking infrastructure, and lower transaction fees. With a mission to enhance financial accessibility, Kuber Financial is driving the next wave of digital payments innovation in Australia.
In this case study, we’ll cover:
- Payments Provider Built for Kuber Financial
- Payments Complexity in Product Rollout
- Market Adoption & Growth
- The Role of Zai in Kuber’s Success
- Looking Ahead
Finding a Payments Provider Built for Kuber Financial’s Growth
Kuber Financial’s founders, Vihan Bawa and Kartikeya Dwivedi, had a clear vision from the outset: to create a payment solution for Australia inspired by India's Unified Payments Interface (UPI). Their mission was to offer greater flexibility to both businesses and consumers. As they developed their platform, they recognised the need for more than just a standard payments provider.
They sought a partner capable of adapting to their business, supporting their growth, and offering guidance to help them achieve their goals. They needed a provider that wasn’t cookie-cutter but rather a strategic partner genuinely invested in their success.
Through an extensive search, Kuber discovered Zai, a leading payments infrastructure provider known for its flexible and scalable solutions. Unlike many other providers, Zai was willing to support Kuber’s vision with flexibility and provide the necessary infrastructure to bring their product to market.
Navigating Payments Complexity in Product Rollout
Australia’s payments environment can be challenging, with shifting standards, scheme requirements, and technical complexities that can slow down even the most innovative fintechs. For Kuber, launching a new product in this market required more than just a provider, they needed a partner who understood how to navigate the broader payments landscape in Australia.
With over 13 years of experience, Zai provided the necessary payment infrastructure and industry knowledge to help Kuber achieve their vision. By working with a team that understands the intricacies of launching new payment products locally, Kuber was able to focus on building a seamless experience for their customers.
Market Adoption & Growth
Since initiating its first transaction of $21 on 21 January 2024, Kuber has experienced significant growth and has now settled over 1 million transactions. The app has been downloaded more than 7,000 times, with over 40 businesses actively utilising its services. Kuber's innovative approach, including the integration of QR codes and PayTo agreements, has resonated with both consumers and businesses, offering a seamless and cost-effective payment solution. The company's commitment to reducing surcharges and providing real-time payments has positioned it as a competitive player in the Australian payments landscape.
The Role of Zai in Kuber’s Success
Launching a successful fintech app in Australia’s complex payments landscape isn’t just about having the right technology, it’s about having the right partner. Kuber needed more than a PSP; they needed a flexible provider that could help them scale without friction.
Zai provided a payments infrastructure that was scalable and adaptable to Kuber Financial’s unique needs, playing a key role in bringing their vision to life.
Rather than forcing a one-size-fits-all approach, Zai’s flexible API allowed Kuber to build a payments experience tailored to their exact requirements. Their team provided hands-on support throughout the integration process, answering every technical question and working alongside Kuber to troubleshoot challenges. More than just a provider, Zai acted as a true partner, offering solutions, not roadblocks. This gave Kuber the freedom to focus on innovation and the customer experience, knowing they had the right expertise behind them every step of the way.
‘Zai has never just been a PSP to us. They’ve been our partner from day one. Whenever we faced a challenge, they worked with us to find a solution. We wouldn’t be here today without their support. They’ve played a pivotal role in providing Kuber with the technology and trust to innovate in the Australian market. There’s never been a time where Zai has said, “no, we can’t do it.” There’s always been an option on the table. At every stage, Zai was there to guide us through. Zai has been more than just a payments provider; they’ve supported our vision every step of the way.’
— Vihan Bawa, Founder, Kuber Financial
Looking Ahead
With Zai’s infrastructure, Kuber is poised for continued expansion, offering businesses a seamless and cost-effective payments alternative. As they scale further, their partnership with Zai remains critical to delivering a competitive and innovative solution in the Australian payments market.
For businesses seeking a reliable payments partner, Kuber’s experience underscores the value of Zai’s technology and expertise in driving fintech innovation.
About the Author
Marketing Lead
Maryanne Evans is a marketing leader and FinTech/SaaS strategist with over 15 years of experience driving growth in fast-paced B2B environments. Known for blending data-driven strategy with creative storytelling, she builds impactful brand narratives that resonate and perform.
