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Commentary

Expert commentary and discussion around key payments issues.

The fault lines in Australia’s payments

The fault lines in Australia’s payments

Commentator Vibhu Arya breaks down the recent RBA submissions, analysing who is lobbying for what at a high level. ...
Australian payments talent has grown up and grown fast

Australian payments talent has grown up and grown fast

Payments talent recruiter and CEO of Paralel Craig Danvers looks at change in the Australian payments market over the past decade – ...
Despite mandating cards, cash still rules the till in Italy

Despite mandating cards, cash still rules the till in Italy

If Australian banks are trying to kill cash, Italy offers a fascinating warning: even mandating electronic payment acceptance across virtually the entire ...
CBA Discover deal to shake up local card market

CBA Discover deal to shake up local card market

Amongst the noise of CommBank’s announcement about its Yello rewards program there was a more significant announcement that has rocked the card ...
AI commerce won’t change payments much

AI commerce won’t change payments much

Contributor Vibhu Arya explores the impact of AI and how much of a role it will play in the payments industry. ...
What can we learn from Malaysia on A2A retail?

What can we learn from Malaysia on A2A retail?

Ubiquitous, domestically-owned, cheaper and faster, account-to-account (A2A) retail payments are booming in Malaysia, so why isn’t it taking off in Australia? ...
Reforms converge to reshape PayTo protections as demand for card alternative grows

Reforms converge to reshape PayTo protections as demand for card alternative grows

Three reforms are converging to strengthen PayTo, delivering stronger consumer protections, clearer fraud liability and greater confidence in account-to-account payments as merchants ...
The end of surcharging or the rise of convenience fees?

The end of surcharging or the rise of convenience fees?

Vibhu Arya, the former Country Leader for Payments & Financial Services at IKEA Australia New Zealand, writes that when surcharging disappears on ...
Why isn’t the NPP at the checkout?

Why isn’t the NPP at the checkout?

Nearly a decade after the NPP launched, you still can't use it to pay for your coffee, your haircut, or your movie ...
Getting paid is priority 1. Always

Getting paid is priority 1. Always

Last week’s Telstra outage reminded us that getting paid is the most important thing that a business does. Treat it accordingly. ...
No surcharging: what’s the real cost to merchants

No surcharging: what’s the real cost to merchants

With just 87 days to run until “no surcharge” rules are applied by the schemes one payments enthusiast is trying to do ...
Is high-cost “Ultra” premium debit really the future of rewards?

Is high-cost “Ultra” premium debit really the future of rewards?

As we move through the next phases of the RBA’s changes, we will learn exactly how the schemes and issuers intend to ...

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The fault lines in Australia’s payments

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RBA puts retail digital dollar on ice as tokenised wholesale push grows

Banks line up against Amex as RBA weighs three-party regulation

Card costs push cash-friendly Vietnam to leapfrog plastic for A2A

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