02 February 2026

Operational resilience thematic: findings and insights

The Financial Markets Authority – Te Mana Tātai Hokohoko (FMA) is conducting a series of surveys as part of its thematic review of operational resilience, supporting the FMA’s regulatory priority of identifying emerging risks and opportunities, to promote market integrity, transparency, and resilient markets and providers, as set out in the 2025 Financial Conduct Report.

The purpose of these surveys is to understand the overall level of operational resilience maturity and to support continuous improvement in a constructive and collaborative way. It is also designed to deepen our understanding of risks and potential harm associated with weaknesses in operational resilience and gain a better understanding of current practices.

By voluntarily sharing experiences and practices, those who participate are demonstrating a genuine desire to strengthen operational resilience for the benefit of their organisation, their customers, and New Zealand’s financial markets.

Peer-to-Peer lending sector

The FMA conducted a survey of the Peer-to-Peer lending sector between 9 and 30 September 2025. The resulting report, operational resilience thematic: findings and insights – Peer-to-Peer lending sector, outlines the sector’s strengths, identifies areas for improvement, and provides practical recommendations to support further development.

Download operational resilience thematic: findings and insights – peer-to-peer lending sector [248KB]