Change Financial
Target Market Determination (TMD)
What is a Target Market Determination?
A Target Market Determination (TMD) explains who a financial product is designed for and how it should be offered to customers. It forms part of the Australian Government’s rules for ensuring financial products are sold responsibly and reach the right audience.
Why Change Financial Provides TMDs
At Change Financial, we’re committed to building payment solutions that work for our clients in the right way. We create TMDs to:
- Help our partners understand who our products are suitable for
- Support responsible and transparent distribution of our card programs and payment solutions
- Meet our obligations under Australian financial services regulations
Our TMDs are designed for resellers, clients and partners, giving them clear information to help ensure our products are sold in line with their intended purpose.