Looking to the future

5 June 2019

techweek 07954

Terexa O'Higgins, Software Engineer

How is the role of a software developer changing?

“How isn’t it changing?” might be another way to ask that question. The only constant thing about working in the world of software development since I started has been that it’s constantly changing.

I think it will always be changing. I think it has to be for it to be a thriving career choice, whatever sector you’re working as a developer in.

One aspect of the job that has become more and more common is the need for developers to be flexible and adapt to changing environments, even taking on roles you may not have seen yourself doing.

I think back to 12 years ago when I was coding in a waterfall approach, proud of my pure object-oriented programming solutions. Today everything is much less about coding, more agile oriented, and more technical, working with other amazing, modern programming paradigms.

As technology continues to evolve so too will the role of the developer, but there will likely always be a developer at the heart of it helping make that evolution possible.

What lies ahead for fintech developers?

“Software is eating the world” is a popular topic online these days, and that is particularly true of fintech as it becomes an increasingly important sector of the global economy.

When I was working in other industries and heard about fintech the first things I thought of were services like Paypal, online banking and being able to pay for my coffee using my phone. It’s come a long way since then.

That makes it an exciting time to be a fintech developer. It offers the chance to be involved in developing groundbreaking technologies that change the way the world works, just as developments like blockchain have already done.

You could find yourself working in a tiny financial technology start-up or a huge multi-national corporation and that means as a developer you could be working across everything from blockchain, cryptocurrency, online lending, insurance, fund transfers and more. And with technology obviously at the heart of fintech innovation and growth, good dev ops skills, whether you’re a native app developer or full-stack developer, will be key.

Fintech is definitely changing the way that traditional financial organisations operate and being an IT person during that transition offers huge opportunity right now.

For queries please contact:


David Stevens
CEO & Managing Director


Stephanie Ottens
Investor Relations
+61 434 405 400

About Harmoney

Harmoney is an online direct personal lender that operates across Australia and New Zealand providing customers with unsecured personal loans that are easy to access, competitively priced (using risk-adjusted interest rates) and accessed 100% online.

Harmoney’s purpose is to help people achieve their goals through financial products that are fair, friendly, and simple to use.

Harmoney’s proprietary digital lending platform, Stellare™, facilitates its personalised loan product with applications processed and loans typically funded within 24 hours of acceptance by the customer. Stellare™ applies a customer’s individual circumstance to its data-driven, machine learning credit scorecard to deliver automated credit decisioning and accurate risk-based pricing.

Business fundamentals

  • Harmoney provides risk based priced unsecured personal loans of up to $70,000 for three or five year periods to customers across Australia and NZ
  • Its direct-to-consumer and automated loan approval system is underpinned by Harmoney’s scalable Stellare™ proprietary technology platform
  • A large percentage of Harmoney’s originations come from 3R™ (repeat) customers
  • Harmoney is comprised of a team of ~80 full-time employees across Australia and New Zealand, over half of whom comprise engineering, data science and product professionals
  • Harmoney is funded by a number of sources including two “Big-4” bank warehouse programs across Australia and New Zealand and a facility from M&G Investments