FinTech - R&D Tax Benchmark
What proportion of total business expenses do Australian fintech typically claim as R&D under the RDTI?
What drives R&D intensity in this sector
Core ledger, risk-engine and protocol work qualifies; KYC, compliance ops and licensing do not.
Sector disclaimer
Engineering-heavy fintechs sit 30–55%. Compliance, customer support and account-management costs should not appear in core R&D.
ATO & AusIndustry context
Regulatory compliance work is excluded; underlying engineering uncertainty may still qualify.
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Educational benchmark only - not an eligibility test or tax advice. Final eligibility depends on whether your activities meet the s.355-25 / s.355-30 core and supporting R&D definitions and is determined by AusIndustry on registration.