Heartland Bank Limited is a New Zealand registered bank that recognises and is responding to the changing banking sector. Its early strategic focus was product-centric; delivering innovative banking products to market segments under served by the other banks. Now, in the next phase of its strategy, Heartland is focused on the channels to deliver its products with an emphasis on digital distribution. Heartland has launched a number of digital platforms (including a platform for Business Loans, Livestock Loans, Reverse Mortgages and Savings accounts & Term Deposits