CreditME, launching today, is the latest in what the AFR is reporting is "an explosion of investment banker-led fintechs" targeting the small businesses traditionally treated with disdain by the banks. CreditMe - founded by Adam Welsh, a former M&A and debt banker at Origin Capital Group and Goldman Sachs -  is offering a sort of broker role. It gives them a credit rating and then advises them on which lenders would be the best for them - be it traditional bank or online unsecured lenders. APRA has revoked its Prudential Standard APS 240, with effect from 2 May 2016, as the relevant principles it covers - the risk management of credit card activities - are now captured elsewhere in other regulations. "The revocation of APS 240 does not loosen the standards of credit card risk management expected … of ADIs that engage in these activities, but rather forms part of the process of streamlining the prudential framework," the prudential regulator warned in a letter addressed "To all authorised deposit-taking institutions," dated 3 May 2016. Discussion of when ANZ's next finance chief will be unveiled was left until literally the last moment at the bank's half-year results briefing yesterday. New CEO Shayne Elliott, whose elevation from group CFO into the top job created the vacancy, responded: "Of all the things I'm going to do in my first three to six months, this may well be the most important. We need someone who's going to be a terrific CFO, and who's also going to augment my leadership team with new skills, so I'm taking a careful approach." Then he cut to Graham Hodges, suggesting ANZ's deputy CEO might want to stay on as acting CFO, before conceding the real decision "is not very far away."