Our six new ecosystems

Our new approach to Institutional Banking & Markets realigns our business to focus on six ecosystems:

  • Connected services
  • Efficient supply chains
  • Future cities
  • Future resources
  • Intelligent finance
  • Smart networks

Our new approach

Changing the way we think about your business

Industry boundaries are transforming. Digital connections and new partnerships are reshaping the economy, and new ecosystems are forming from key megatrends. 

These ecosystems acknowledge common global themes and new interconnections. They help us to understand the interdependencies of your business, where your competitors will come from and to identify the opportunities early.

Ecosystems are changing the way we think about your business. They enable our team to apply a new lens and offer insights across your broader operating environment. 

About the ecosystems

Our ecosystems combine industry and product expertise. Complemented by our data-based insights, ecosystems can inform your strategic direction and help you discover new possibilities for your business.

Connected services

Advancing the systems that underpin Australia’s stability

  • Government
  • Banking

Efficient supply chains

Servicing moveable assets and increasing the transparency and efficiency of supply chains

  • Agriculture
  • Retail
  • Contractors
  • Food & beverage
  • Industrials
  • Logistics

Future cities

Building the infrastructure to support a growing population and evolving society

  • Real estate
  • Infrastructure
  • Sustainable finance

Explore Future Cities

Future resources

Servicing the end-to-end resources and energy 

  • Oil & gas
  • Mining
  • Power generation
  • Renewables

Intelligent finance

Supporting global investors to bring the world’s capital into Australia

  • Funds
  • Private equity
  • Insurance

Smart networks

Helping connect people and businesses to drive a digital economy

  • Technology
  • Telecommunications
  • Education
  • Health
  • Media & Entertainment

Here's how we're looking to the future

Technology and data-driven insights

Intelligent use of technology and data across the value chain will lead to better decisions so that together we can build a better Australia.


No single business or industry alone can solve the problems that matter. It requires organisations to find new ways to partner to drive collective action.

Case studies

We're collaborating with organisations like the World bank, CSIRO's Data61 and the NDIS. 



“Since issuing bond-i in August last year, the positive feedback and interest from the technology and financial sector community globally has been extraordinary,” said Sophie Gilder, Head of Experimentation & Commercialisation, CBA Innovation Labs.

”There is a growing recognition that blockchain technology can deliver a superior digital market for raising capital and then managing and trading securities, so we are working with our strategic partners to realise that vision."

Visual representation of blockchain

Project Bond-I 

In August 2018 the World Bank and CBA successfully launched bond-i (blockchain operated new debt instrument). It's the world's first bond to be created, allocated, transferred and managed through its life cycle using blockchain technology. 

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Woman sitting in front of holographic screen

World Bank and CBA blockchain bond

This project builds on the leadership and experience of CBA's dedicated blockchain team, which has taken a lead role in applying blockchain technology to capital markets.

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Woman sitting on couch with phone and laptop

Project NDIS - Making money smart

CBA and CSIRO’s Data61 have combined their expertise to create smart money, through a working blockchain prototype.

Policy contracts are attached so the smart money knows what it could be spent on, who it could be spent by and if they could be spent. 

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Transport for NSW

Contactless payments extend to Sydney trains

Sydney commuters can tap on and off trains, in addition to ferries and light rail using their credit card or mobile device.

Sydney commuters can now ‘tap on and off’ all metro train services using their credit card or mobile device instead of their Opal card, thanks to an extension of the contactless transport payments trial run by Transport for NSW in partnership with the CBA, Cubic and Mastercard.

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Things you should know 

The publications on this page are published solely for information purposes. As they have been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances and if necessary seek the appropriate professional advice. Any opinions, conclusions or recommendations are reasonably held or made, based on the information available at the time of each publications compilation, but no representation or warranty, either expressed or implied, is made or provided as to the accuracy, reliability or completeness of any statement made. Commonwealth Bank of Australia ABN 48 123 123 124.