Jesse Southwell will start at five-eighth for the Jillaroos in a surprise change, while Jocelyn Kelleher has been relegated to the reserves.
Kelleher played in three of Australia's four matches.
The Kiwi Ferns have kept the side that defeated Samoa.
In the men's final, Kevin Walters has retained the team that beat Samoa, but could make another late change by replacing Patrick Carrigan with Keaon Koloamatangi on the bench.
New Zealand have left out Charnze Nicoll-Klokstad, with Ronaldo Mulitalo returning from suspension.
Naufahu Whyte has been named despite racing to recover from an ankle injury sustained in the semi-finals.
The team lists are set for Sunday's Rugby League World Cup finals, where Australia's men and women will aim to hold off New Zealand.