EXHIBIT 32

                                  CERTIFICATION
                                       OF
                             ANNUAL FINANCIAL REPORT
                                   PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The certification set forth below is being submitted in connection with Catuity
Inc. (the "Company") Annual Report on Form 10-K (the "Report") for the purpose
of complying with Rule 13a-14b or Rule 15d-14(b) of the Securities Exchange Act
of 1934 (the "Exchange Act") and Section 1350 of Chapter 63 of Title 18 of the
United States Code.

(1) The Report fully complies with the requirements of section 13(a) 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:  March 30, 2005

                                       /s/ Alfred H. Racine
                                       -----------------------------
                                       Alfred H. Racine
                                       President and Chief Executive Officer


                                       /s/ John H. Lowry
                                       -----------------------------
                                       John H. Lowry
                                       Chief Financial Officer


Note: A signed original of this written statement required by Section 906 has
been provided to the Company and will be retained by the Company and furnished
to the Securities and Exchange Commission or its staff upon request.