A decade after reshaping how Europeans move money across borders, Revolut has secured its first Asia-Pacific banking licence and is now casting its gaze toward Australia's mortgage market — a domain where four institutions have long held near-total dominion. With 1.2 million existing customers and a profitable local operation already in place, the London-born fintech arrives not as a curiosity but as a considered challenger. Yet the graveyard of Australian neobanks past reminds us that ambition and technology, however formidable, must still reckon with the deep human habit of financial inertia