Andy Carey. BusinessThe business.
Andy (Andrew) Carey has spent thirty years turning good ideas into working businesses. He builds ventures across finance, insurance, technology and infrastructure, usually in the early stage where an idea is still more promise than proof.
A Queenslander by origin, born in Bundaberg, Andy has always been drawn to the practical side of ambition. Three decades across finance, insurance, operations and infrastructure have given him a broad toolkit and a builder's instinct for what it actually takes to get something off the ground: the capital, the systems, the right people, and the stubbornness to see it through.
Today he is Co-Founder and Co-CEO of Interetail, a Darwin-based venture collective he runs with his business partner of 25 years, Josh Payne. Interetail is a business builder: it spots opportunities across insurance, finance, technology and infrastructure, then assembles the capability to turn them into sustainable ventures. In practice Andy wears a lot of hats at once, strategist, operator, dealmaker, and the person who rolls up his sleeves and sorts out the detail.
He is also the founder of Fintech Development, the Darwin software company he set up in 2021 to build MyAndGo: a suite of connected business products that share one account, one bill and one sign-in, with customer data stored in Australia. It is where his work with AI goes deepest, because the company is built around AI rather than beside it.
Professional history
- 2021-now
Founder
Fintech Development
A Darwin software company building MyAndGo, a suite of connected business products, with AI orchestrated across the whole operation.
- 2020-now
Co-Founder and Co-CEO
Interetail
A Darwin-based venture collective, built on a 25-year partnership and a bias for shipping.
- 2019-2021
COO, and Executive GM
Huddle and Open
Two of Australia's most innovative insurtech brands, pioneering digital insurance.
- 2018-2019
Head of Direct Insurance (Acting)
QBE Insurance
Operations and strategy through a period of change.
- 2010-2017
Sales and client-services leadership
Youi Insurance
Seven years through Youi's meteoric rise, from team manager to Head of Inbound Sales. Building high-performing teams and a service culture.
Building through Interetail
Today Andy Carey builds through Interetail, a Darwin-based business builder and venture collective. It identifies opportunities, assembles the right capability, and creates sustainable ventures that scale, from concept through to scale, across insurance, finance, technology and infrastructure.
The mission is simple: empower businesses with innovative, tailored solutions that enhance customer experiences, drive growth, and build long-term success in an ever-evolving global landscape.
- 01Venture BuildingFrom idea to scale.
- 02Strategic CapitalSmart investment and capital partnerships.
- 03OperationsHands-on operational support.
- 04TechnologyDigital innovation across the portfolio.
Where Interetail creates value
- Financial ServicesInsurance, lending and financial technology.
- Building, Mining & InfrastructureConstruction, resources and essential services.
- Aerospace & Venture CapitalStrategic investments and capital partnerships.
The portfolio
Ventures Andy Carey has built and operated through Interetail.
Finance & Loans
Property & Infrastructure
Strategy & Operations
At the spear tip: AI orchestration
If one thing defines Andy Carey's work today, it is artificial intelligence. He first experimented with early language models in late 2020, well before the mainstream, and when OpenAI's tools arrived in late 2022 his team jumped in head first. These days he works primarily with Anthropic's tools, orchestrating AI across the business rather than treating it as a bolt-on. At Fintech Development that is the whole design: the company is built around AI, and it is how a suite of eleven connected products is being built.
Just as important is doing it properly. The AndGo platforms run on Google Cloud in the Sydney region, carrying ISO 27001, 27017 and 27018 certification and IRAP-assessed status, while SignAndGo aligns its security practices to SOC 2, with AES-256 encryption in transit and at rest and two-factor authentication across every account. For Andy, that rigour is what makes moving fast something you can actually trust.
Andy Carey in the press
New brokerage appoints CEO, secures Costco deal
Names Andrew Carey as co-founder of Manage Your Loans, and as co-founder and director of RedRock Group, Qikio and Australian Insurance Company.
Exclusive Costco partnership helps Manage Your Loans thrive
Profiles Manage Your Loans and its exclusive Costco partnership, set up in Darwin by co-founders Josh Payne and Andrew Carey.
Manage Your Loans Announces Leadership Transition and Strategic Growth Focus
A Manage Your Loans leadership announcement, pictured with co-founders Josh Payne and Andy Carey.
Questions about Andy Carey
Who is Andy Carey?
Andy Carey (Andrew Carey) is an Australian entrepreneur based in Darwin, Northern Territory. He is the founder of Fintech Development, the software company that builds the MyAndGo suite, and Co-Founder and Co-CEO of Interetail, a Darwin-based venture collective across insurance, finance, technology and infrastructure.
Is this the Andy Carey who played baseball for the New York Yankees?
No. That Andy Carey (1931-2011) was an American baseball player. This Andy Carey is an Australian entrepreneur, born in Bundaberg, Queensland, and based in Darwin, where he founded Fintech Development and co-founded Interetail. In business press he usually appears as Andrew Carey.
What companies has Andy Carey founded?
Andy Carey founded Fintech Development, the Darwin software company that builds the MyAndGo suite. He co-founded Interetail (where he is Co-CEO), Manage Your Loans (the National Finance Partner for Costco Australia) and Qikio (a travel insurance provider).
What is Fintech Development?
Fintech Development is an Australian software company founded in Darwin in 2021 by Andy Carey. It builds MyAndGo, a suite of connected business products that share one account, one bill and one sign-in, including SignAndGo, ShareAndGo, BookAndGo, CRMandGo and InspectAndGo, with customer data stored in Australia.
Who is Andy Carey's business partner?
Josh Payne, his business partner of 25 years. Together they run Interetail, and they co-founded Manage Your Loans in Darwin.
What is Interetail?
Interetail is a Darwin-based business builder and venture collective, co-founded by Andy Carey and Josh Payne. It identifies opportunities, assembles the right capability, and creates sustainable ventures across insurance, finance, technology and infrastructure.
What did Andy Carey do before Interetail?
Earlier in his career, Andy Carey was COO and Executive GM at the insurtech brands Huddle and Open (2019-2021), Acting Head of Direct Insurance at QBE Insurance (2018-2019), and spent seven years at Youi Insurance (2010-2017), rising from team manager to Head of Inbound Sales.
How does Andy Carey use AI?
Andy Carey first experimented with early language models in late 2020 and now orchestrates AI across his ventures, working primarily with Anthropic's tools. The AndGo platforms run on Google Cloud in the Sydney region, with ISO 27001, 27017 and 27018 certification and IRAP-assessed status.
How can I contact Andy Carey?
Use the contact form at andycarey.com.au/contact, or email [email protected].
