Lucknow: With the promise of “Fast. Fair. Family Approved. Your Australian education dreams, without financial barriers,” India’s first comprehensive digital solutions platform NiviCap has been launched, marking a new chapter in the country’s education–finance ecosystem. As Australia continues to emerge as a preferred global education destination for Indian students—owing to its top-ranked universities, multicultural environment, and post-study work opportunities—NiviCap aims to simplify and strengthen this journey.
In a significant announcement at the platform’s launch, former Australian cricketer and celebrated coach Justin Langer has been appointed as the brand ambassador of NiviCap. The initiative further deepens the education partnership between India and Australia and is supported by Austrade, Australia’s national trade and investment promotion agency.
Developed by the founder of Australia’s leading fintech brand Ziksu Australia, NiviCap is a secure, transparent, non-banking digital solutions platform designed to bridge the education systems of India and Australia. It offers end-to-end support to students and parents—from pre-admission to post-arrival assistance. Key services include:
• Loan discovery
• Application guidance
• Forex support
• Post-arrival assistance
By combining technology, transparency, and empathy, NiviCap aims to deliver a seamless experience to students and reliable support to their families.
India is currently the second-largest source of international students in Australia, with nearly 137,703 Indian students studying in the country in 2025. Despite this rising demand, education finance processes often remain complex and scattered. NiviCap intends to simplify this journey, especially for students from Tier-2 and Tier-3 cities, by offering an integrated and trustworthy digital platform.
Karthik Srinivasan, Founder of NiviCap, said: “As an India-born Australian, I have walked the same path thousands of students take every year—filled with excitement but clouded by uncertainties. From documentation to cross-border financial processes and emotional challenges, I’ve experienced it all. Working in banking across India and Australia showed me how regulatory complexities make this journey even harder. Representing Australia at the G20 strengthened my belief that empathy-driven innovation can solve real human problems. NiviCap is that vision—more than a digital platform, it is a bridge between dreams and achievement. ‘Fast. Fair. Family Approved’ is not just a promise, but an emotion for me.”
Brand Ambassador Justin Langer echoed these sentiments, stating: “As a father and coach, I understand the emotions families go through when children travel abroad to pursue their dreams. The relationship between India and Australia is not just about cricket; it is built on trust, respect, and shared aspirations. NiviCap, to me, is like a great coach—steady, dependable, and always present during pressure situations. It gives confidence to students and reassurance to parents. I am proud to be associated with a brand that balances ambition with empathy.”
Mukund Narayanamurti, Head of Austrade South Asia, added: “Australia deeply values its education partnership with India. Indian students enrich our campuses and communities. Initiatives like NiviCap, introduced by Ziksu, offer meaningful support and will benefit Indian students significantly.”
NiviCap is beginning its phased rollout with an integrated education loan facility, enabling students to discover, apply for, and manage loans through a single digital dashboard. In the coming months, the platform will also launch forex services and post-arrival support, completing its vision of a holistic education–assistance ecosystem.
Positioning itself as an extension of the family, NiviCap offers not just financial solutions but emotional assurance. It represents how technology and human empathy can come together to empower Indian students to pursue their Australian education dreams with clarity, confidence, and care.
NiviCap isn’t just a platform—it’s a promise:
Studying in Australia, with no barriers. Only your dreams.
