NiviCap, a digital solutions platform for students aspiring to study in Australia, marks a new era in the education financing ecosystem. Australia continues to stand tall as the most preferred international education destination for Indian students, celebrated for its world-class universities, multicultural inclusivity, and post-study work opportunities.
NiviCap has positioned itself as a next-generation player in the education financing ecosystem, launching with a clear vision to make “Fast. Fair. Family Approved” funding a reality for Indian students aspiring to study in Australia. The company aims to remove long-standing financial hurdles that often slow or derail overseas education plans, especially for families navigating complex loan processes.
Building on this commitment, the launch of NiviCap also marked the announcement of Justin Langer as the Brand Ambassador. Further strengthening the Australia–India education partnership, the Australian Trade and Investment Commission (Austrade), Australia’s national trade and investment promotion agency, supported the launch of NiviCap.
Developed by the founder of Ziksu Australia, one of the country’s leading fintech brands, NiviCap bridges India and Australia’s education ecosystems through a comprehensive suite of non-banking solutions.
Designed to support both students and parents from pre-admission to post-arrival, it brings together services such as loan discovery, application assistance, forex guidance, and post-arrival support under one secure digital solutions platform. NiviCap stands apart for combining transparency, technology, and empathy, giving students a seamless pathway to their academic goals and parents the comfort of knowing their children are supported every step of the way.
India is now the second-largest source country for international students in Australia, with approximately 137,703 students from India commencing or continuing study in 2025. Despite such strong demand, the process of education financing and associated requirements remains fragmented. NiviCap aims to simplify this journey with a unified, trustworthy, and transparent platform, empowering families, especially from Tier-II and Tier-III cities, to pursue their overseas dreams with clarity and confidence.
Karthik Srinivasan, Founder, NiviCap, shared, “As an Indian-born Australian, I’ve lived the same journey that thousands of students take every year, filled with excitement, but also anxiety. I know firsthand how overwhelming it can be to handle documentation, manage finances across countries, and deal with the emotional toll of being far from home. I’ve seen how these challenges can make dreams feel distant.
“Those experiences stayed with me and shaped my professional journey. Having worked in banking across India and Australia, I witnessed how complex regulations and cross-border systems often make these transitions even harder. When I later represented Australia in fintech at the G20, it reaffirmed my belief that innovation, when built with empathy, can truly solve real human challenges.
“NiviCap was created with that very vision, not just as a digital solutions platform, but as a bridge between aspiration and achievement. ‘Fast. Fair. Family Approved.’ isn’t just a promise; it’s personal,” Srinivasan said.
Expressing his enthusiasm, Justin Langer, Brand Ambassador and former Australian cricket coach, said, “As both a father and a coach, I understand the emotions that come with watching young people chase big dreams away from home. India and Australia share a bond that goes beyond sport, it’s built on trust, respect, and shared ambition. NiviCap captures that beautifully.
“To me, NiviCap is like a great coach, steady, reliable, and always there when the pressure is on. It gives students the confidence to perform and parents the reassurance that their children are in safe hands. That’s why I’m proud to stand with a brand that champions both ambition and care,” Langer said.
Mukund Narayanamurti, Minister (Commercial), and Head of South Asia, Australian Trade and Investment Commission (Austrade), said, “Australia deeply values its education partnership with India. Indian students enrich our campuses and communities, and they are central to the cultural and economic ties between our two nations. NiviCap’s launch by an Australian firm Ziksu is a great initiative to support Indian students aspiring to Study in Australia.”
NiviCap will go live with its first phase with the launch of education Loans, providing students with an integrated platform to explore, apply for, and manage loans digitally. Subsequent staggered launches in the coming months will introduce features for forex, and post-arrival support, completing the full ecosystem of support.
