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The challenges facing Australian fintech

Per the 2019 Productivity Commission report on super, 60% of members do not understand their fees and charges and 40% lack an understanding of basic investment options. But how can funds educate their members without getting a better understanding of them? According to Iress, the answer is with data and the development of tools that can make sense of that data. But in an interconnected world rife with privacy concerns and identity fraud - just last year, more than $10 million was stolen from super accounts as part of an international scam - how do you keep that data secure?