EXHIBIT 99.2



                                  CATUITY INC.


                CERTIFICATION PURSUANT TO 18 U.S.C SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with Catuity, Inc. (the "Company") Quarterly Report on Form 10-Q
for the quarter ended September 30, 2002 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, John H. Lowry, certify
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 906 of the
Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1)  The Reports fully complies with the requirements of section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.


Date: 11/14/02
      --------
                                                /s/ John H. Lowry
                                                ------------------------
                                                John H. Lowry
                                                Chief Financial Officer






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