Holder as a Service (HaaS) Solution for Non- Bank Lenders

Level up your CDR game with Biza’s turnkey Data Holder solution, your express lane to secure, compliant data sharing that cuts through complexity, not your budget. As the market’s only pure-play CDR specialist, we bring together the largest team of dedicated experts ready to help you stay ahead.

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CDR in the Non-Bank Lending Sector

Non-bank lenders are now centre stage as the third sector welcomed into the CDR family, following banks and energy retailers. As of March 3, 2025, the government officially opened the doors for non-bank lenders, empowering Australians and organisations to enjoy smoother, smarter, and more transparent financial interactions.

This next chapter in Open Banking is designed to shake up consumer lending by increasing competition, driving innovation, and sharpening the focus on high-value, widely available lending products. Plus, Buy Now, Pay Later products are now also part of the ecosystem.

Greater access to non-bank lending data is fuelling fintech breakthroughs and giving consumers the clarity they need to master their money.

This stylised illustration shows a non‑bank lender (NBL) institution surrounded by data and analytics icons, representing an NBL operating within the Consumer Data Right (CDR) ecosystem.

NBL Obligations Timeline

13th July 2026

Initial and large NBLs along with Buy Now Pay Later (BNPL) providers to publish product reference data.

9th November 2026

Initial providers (those with loan books over $10 billion) and BNPL providers to enable data sharing

9th November 2026

10th May 2027

Large providers (those over $1 billion) to enable data sharing

Reach out to Biza now

We'll take the stress out of the CDR

This event has passed!

NBL CDR Tranche 1 deadline: 13 July 2026

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Will YOU be ready?

With the Tranche 1 compliance deadline rapidly approaching, it's time to act. Read on below to find out about Product Manager's features or watch a short demo video.

Ready to get started? Sign up for a free Product Manager Starter account and experience the benefits first hand.

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HaaS Takes the Stress out of the CDR

Biza's Data Holder as a Service (HaaS) helps non-bank lenders meet their CDR obligations and maintain data quality with a comprehensive, cost-effective solution.

Why Biza?

Founded in 2017, we help organisations navigate the highly regulated CDR ecosystem, and innovate within the Australian data-sharing landscape.

Unmatched CDR Expertise

We support more CDR Data Holders than anyone else, providing unrivalled experience and reliability. We're trusted by Australia's leading banks, energy providers and non-bank lenders.

Dual Ecosystem Participants

We're uniquely positioned to operate on both sides of the CDR ecosystem as both a Holder and Recipient delivery partner.

Relentless Innovation

We're passionate data geeks, constantly pushing boundaries to deliver practical, future-ready solutions that turn visionary ideas into real business advantage and empowered consumers.

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verification test suite sample results page

Verification Test Suite

Complete end-to-end test environment

Biza's Verification Test Suite (VTS) is a market-leading, ACCC-aligned playground where Data Holders and Data Recipients can trial their solutions end-to-end. Go beyond guesswork and enjoy complete confidence in your CDR compliance before hitting 'go-live'.

Product Manager dashboard image

Product Manager

Biza’s Product Manager empowers banks and non-bank lenders to publish and maintain accurate Product Reference Data, ensuring you stay confidently on the right side of regulation.

Stay effortlessly ahead of your CDR Product Reference Data obligations with a sleek, intuitive interface designed for compliance.

a stylised image of a bank in blues pinks and purples

HaaS for Banking

Unlock secure, seamless CDR compliance with our HaaS for Banking solution. Effortlessly share product reference data, manage consumer consents through an intuitive dashboard, and support joint and business accounts, right out of the box. Biza's platform integrates smoothly with your enterprise systems, while delivering robust InfoSec controls, actionable service metrics, and powerful admin APIs.

40+

Years of CDR Experience

We have the largest number of CDR experts under one roof.

6,000,000+

API Calls Served per Month

Our Holders seamlessly deliver Consumer Data 24/7, 365 Days Per Year.

99.99%

Platform Uptime

Backed by ISO27001, SOC2, ASAE3150 certifications.

50+

Implementations

We know how to deliver into the CDR ecosystem.