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Mortgage Business Digital lender issued restricted ADI licence By Malavika Santhebennur 08 July 2021 The regulator has granted a restricted ADI licence to a digital personal lender, making it one of two restricted ADIs in Australia. The Australian Prudential Regulation Authority has granted a licence to Alex Bank Pty Ltd to operate as a restricted authorised deposit-taking institution (ADI), and Alex Corp Ltd as a non-operating holding company, under the Banking Act 1959. APRA’s granting of the restricted licence to Alex Bank has followed it extending the restricted ADI of challenger bankIn1bank, while digital bank Volt was the first to receive a restricted ADI in 2018 (but it now has a full ADI licence). ....