Our favourite reads

How A2A payments are reshaping global E-commerce infrastructure (July, 2026)
A2A payments are no longer a regional curiosity; they're becoming an integral part of the global e-commerce infrastructure, and merchants chasing lower costs, faster settlement, and steadier payment flows are paying close attention. More here.

Study Finds Payment Certainty Becomes the New Fraud Strategy (June, 2026)
Real-time payments, faster settlement and digital commerce are shrinking decision windows. Finance teams are shifting from fraud recovery to fraud prevention. The goal is not just to process payments. It is to trust them before they move. More here.

Review of Payments System Regulation (June, 2026)
The RBA is commencing a review of payments system regulation. This Review comes at a time of significant innovation and structural change in the payments landscape, which is reshaping how payments are initiated, processed and settled. More here.

Modernisation of real-time payment orchestration on AWS (October, 2025)
The global real-time payments market is experiencing significant growth. According to Fortune Business Insights, the market was valued at USD 24.91 billion in 2024 and is projected to grow to USD 284.49 billion by 2032. More here.

No more card charges: how Australians can switch to fast, fee-free payments right now (August, 2025)
Australians pay more than $1.2 billion every year in card surcharges, with 88% of our payments still made using cards. More here.

Government must lead real-time payments transition (August, 2025)
Only government has the scale to bend the adoption curve to Australia’s real-time payment infrastructure, writes Chris Jewell. More here.

How Zepto’s real-time payments are reshaping Australia’s financial infrastructure (May, 2025)
Real-time payments are reshaping the way money moves in Australia, and for Zepto co-founder Trevor Wistaff, the message to businesses is simple: start small, but start now. "We're building a bridge to the inevitable," Wistaff explained to Techday. "We know that's where things are going, and if you wait, you'll get left behind." More here.

Need for Speed: How Instant Ad Hoc Payments Future-Proof Enterprise Relationships (November, 2024)
From vendor pay to gig workers, enterprises are merging into the fast lane for payments. And as enterprises adopt models that rely on agile, ad hoc transactions, instant payments, once considered an option for specific payment scenarios, are now emerging as a central pillar of enterprise payment strategies. More here.

The Premium Payment Is Becoming Insurance’s Most Valuable Touchpoint (July, 2026)
Billing and payments are one of the few recurring moments when a customer actively engages with an insurer or service provider. A confusing or rigid billing and payment experience can push customers into call centers, delay payments or create frustration that weakens loyalty. More here.

Australian Parliament House: A Level Paying Field (June, 2026)
The House of Representatives Standing Committee on Economics has released its report on the inquiry into schemes, digital wallets and innovation in the payments sector. More here.

Gig Workers Want Real-Time Pay for Real-Time Work (April, 2026)
The expansion of the gig economy has coincided with a fundamental change in how workers think about income, as wages are no longer treated as something that arrives on a schedule but as liquidity that should be available at the moment they are earned. More here.

Why Payroll Is Becoming the Latest Loyalty Product (March, 2026)
Uber has launched kiosks, powered by Adyen terminals, providing a new, phone-free way to book an Uber. These kiosks will be available in airports, hotels and venues globally. More here.

Adyen & Uber Expand Partnership To Launch Phone-Free Kiosks (February, 2026)
Uber has launched kiosks, powered by Adyen terminals, providing a new, phone-free way to book an Uber. These kiosks will be available in airports, hotels and venues globally. More here.

How Developers Are Driving the Future of Embedded Payments (February, 2026)
Every year, billions of dollars vanish at the final step of online shopping, not because consumers change their minds, but because of hurdles within the checkout experience. More here.

How instant payments are driving a new era of short-term lending (November, 2025)
In today's fast-paced economy, managing cash flow can be a balancing act. While short-term lending has long been an option, how it's delivered is changing. Consumers now expect services that are fast, transparent and fair, and new technology is making these expectations a reality. More here.

Employment Hero unveils HeroClear for superannuation compliance (November, 2025)
Ahead of Australia's new Payday Super requirements, Employment Hero has announced a partnership with Zepto and OZEDI to deliver HeroClear, an embedded super clearing tool designed to aid businesses with compliance. More here.

ATO approves real-time payments for super contributions (August, 2025)
The Australian Taxation Office (ATO) has approved real-time payments for superannuation, removing a major hurdle ahead of payday super reforms. More here.

AP+ & Thoughtworks Team to Fuel PayTo Adoption (September, 2024)
Thoughtworks, a global technology consultancy, has joined Australian Payments Plus (AP+), Australia’s domestic payments organisation operating the BPAY, eftpos and NPP payment schemes, to develop new customer experience industry guidelines for PayTo. More here.

Volt introduces PayTo payments in Australia (April, 2024)
Volt launched its secure, PayTo-based payment solution for its retail customers in Australia. Through this online digital payment solution, the company intends to simplify the payment experience for customers, eliminate credit card surcharges, and enable retailers to receive payments instantly. More here.

2024 will be the year retailers wake up to safer, faster payments – or fall behind (December, 2023)
At a time where the cost of living remains stubbornly high, businesses are feeling the pinch more than ever. To hedge against this, many are adopting surcharges and forwarding those card processing fees onto consumers—putting more pressure on everyday Australians. It’s a ripple effect that only hurts the consumer in the end. More here.

Woolworths rolls out a big change to the way people shop (May, 2023)
The supermarket has become the first major company to offer customers an option to link their bank account directly to its app, using PayTo functionality introduced by Australia’s new payments platform. More here.

Trustly Marks Pay-by-Bank Milestone With 120-Plus Million Users (February, 2026)
The release notes that 15 million consumers and businesses in the UK are pay-by-bank users, the equivalent of nearly a third of the country’s adult population, with total users increasing 34% year over year. More here.

eBay introduces Pay-by-bank at checkout and makes investment in TrueLayer (February, 2026)
With Pay-by-bank, eBay’s UK buyers can pay directly from their bank accounts, authorising the transaction through their own bank app in seconds. The experience is fast, secure, and frictionless, with no cards or manual entry of account details required. More here.

New Report: Pay by Bank Now ‘Table Stakes’ for Banks and PSPs as Merchant Demand, Confidence Surges (November, 2025)
Merchant demand, rising market confidence, and robust growth expectations have made Pay by Bank table stakes for banks and payment service providers (PSPs), with 59% of banks and 90% of PSPs now offering, or planning to offer, Pay by Bank services. More here.

Legacy Infrastructure Won’t Cut It in a Pay-by-Bank World, Says Nuvei (June, 2025)
Pay-by-bank is an emerging tool for firms to gain competitive advantages by reimagining costs, improving cash flow and enhancing customer loyalty, Nuvei Vice President of Product Ed Dean told PYMNTS. More here.

What would it take to make the pay-by-bank option a no-brainer? (November, 2024)
The last big leap in card payments happened only a couple of years ago when the missing incentive for consumers to go contactless at the point of sale was readily supplied by the pandemic. More here.

Generation Pay-By-Bank: Why Gen Z and Millennials Hold the Key to Widespread Adoption (October, 2024)
Pay-by-bank is carving out a niche in the consumer payments space. Incentives may be the hook needed to draw in new customers. Certain consumers report increased interest in using it when offered discounts and cash-back rewards. More here.

AusPayNet welcomes the RBA Risk Assessment Update on the intention to decommission BECS (March, 2026)
The RBA recently released its update on the progress made by the payments industry against the recommendations of the RBA’s March 2025 Risk Assessment into the intended decommissioning of BECS. More here.

An update on the initiatives to support the move to NPP (April, 2025)
Momentum is building toward the transition to real-time payments and Australia’s payments future. In 2024, 1.6 billion transactions flowed through the NPP, totalling $1.99 trillion—a 23% increase from 2023 - demonstrating growing adoption of real-time payments. More here.

Zepto Blazes a Trail in Account-Based NPP Payments (September, 2024)
Australia is on the cusp of a digital revolution that will transform its financial services. BECS, used for electronic debit and credit transactions, is in the process of being phased out, and is targeted for retirement by 2030. InnovationAus discuss the organisation leading the charge in the migration to the NPP (hint: it's us). More here.

The continued migration of payments from BECS to the NPP (January, 2024)
Just like when a date was set for the end of Australian analogue TV in December 2013, a target date of 2030 has been set for the decommissioning of Australia's legacy BECS framework.  More than one third of account-to-account payments are processed today using the NPP so the migration from BECS to NPP has been occurring for some time. But there is still work to do to support ongoing migration. More here.

Modernising Australia's Payments System (December, 2023)
The payments landscape is changing rapidly, with new business models and technologies entering the space. The industry is also moving from legacy systems towards new platforms that can deliver payment services that are faster, safer and more convenient. This speech, delivered by Michele Bullock, Governor, Australian Payments Network Summit, Sydney, addresses the changing landscape. More here.

The Cheque’s Last Stand (April, 2026)
Rather than fading evenly across society, cheque usage is becoming more niche, more deliberate, and in some cases, more entrenched. Governments, large corporations, and digital-native consumers have largely moved on. Yet certain demographics and use cases remain stubbornly attached. More here.

Card Payments Are Slow, Costly, and Dying—Here's What Consumers Are Turning to Instead (February, 2025)
Rising card fees and chargebacks create unnecessary costs, while customers now expect instant, seamless payment experience. Pay-by-bank is the smarter alternative, and it’s growing impossible for businesses to ignore. More here.

Australians lose nearly $1 billion a year in card surcharges (March, 2024)
Unlike in the UK and the European Union where card surcharges are banned, retailers in Australia are allowed to recoup their payment costs through surcharging their customers, as long as they are not making a profit out of it. RBA governor Michele Bullock has threatened to mandate Least-cost routing [LCR] if the industry does not meet the target of 80 per cent uptake by the middle of the year. More here.

The Indomitable Nature of Bank Cards (March, 2024)
In the continually evolving landscape of banking and finance, one element has remained surprisingly resilient against the tides of change: the humble bank card. Since their inception in the 1950s, cards have woven into the fabric of global commerce, becoming ubiquitous in wallets and online transactions. More here.

“It’s not about killing cards,” says founder of payments startup Banked (February, 2024)
Banked has inked a deal with US financial tech firm FIS aimed at driving new pay-by-bank offerings for consumers and businesses in the US. More here.

Digital Payments 2030: Why Intelligence, Not Infrastructure, Will Define the Next Decade (July, 2026)
The next decade of payments will not be defined by who has the fastest rails or the lowest interchange. It will be defined by who has the smartest systems — systems that can detect fraud before it happens, resolve disputes instantly, onboard merchants safely, and personalise customer interactions in real time. More here.

Australia's late business payments hit six-year high (May, 2026)
CreditorWatch said the data pointed to mounting cash-flow strain across the economy as businesses absorb higher borrowing costs, rising energy and transport expenses, and weak consumer demand. More here.

Six infrastructure fronts reshaping fintech payments (March, 2026)
Real-time settlement capabilities, AI-powered fraud detection, multi-rail network strategies, embedded finance architecture, stablecoin integration planning, account validation infrastructure—each has its own business case and timeline. But when capital and engineering capacity are finite, these decisions can’t be evaluated in isolation. More here.

Five insurance payment trends shaping Australia and New Zealand (February, 2026)
Insurance in Australia and New Zealand is being reshaped by rising claims costs, digital expectations, evolving payments technology, and the ongoing cost pressures faced by consumers and businesses alike. These factors are influencing how best-practice insurers are now collecting premiums and paying claims, with implications for conversion, retention, and customer satisfaction. More here.

42% of Gen Z Trust Debit More Than Credit (September, 2025)
Generation Z may be the first cohort to grow up entirely in the digital economy, but the real surprise in their financial behaviour isn’t what they buy, it’s how confidently they buy it. More here.

Mobile wallet payments soar amid digital banking boom (July, 2025)
The Australian Banking Association’s 2025 ‘Bank on It’ report released recently reveals digital payments continue to surge with over four billion mobile wallet transactions made in the past year, over 11 times the number of ATM cash withdrawals. More here.

Europe Makes Real-Time Payments a Mandate (May, 2026)
Europe’s push toward real-time payments has entered a new phase, defined not just by technology and consumer preferences but by sovereignty, regulatory force and competitive urgency. The institutions best positioned for what comes next are already moving. More here.

The $40 Billion Kickoff: Why FIFA 2026 Is a Global Payments Stress Test (March, 2026)
If the Super Bowl is America’s annual excuse to over invest in snacks and LED televisions, the FIFA World Cup is the planet’s far more glamorous version of the same impulse. More here.

Europe’s Pay-by-Bank Revolution — The Silent Card Killer (February, 2026)
Account-to-account payments — where money moves directly between bank accounts without touching card networks — made up 17 per cent of European e-commerce transaction value in 2024 and are expected to exceed €850 billion in transaction value by 2026. More here.

Why the UK Is Exploring Instant Payments (February, 2026)
The Bank of England is pursuing a public consultation on consumer payments, focused on making it easier for shoppers to pay without using a debit or credit card. More here.

Lidl Germany enables SEPA bank transfer payments through Lidl Plus app (February, 2026)
Lidl has enabled SEPA bank transfer payments for customers in Germany through its Lidl Plus mobile application, bypassing card network infrastructure. More here.

From payment rails to profit engines (November, 2025)
The payments industry is facing fee pressure and fierce competition. To thrive, providers must turn core strengths into value-added services that drive growth and loyalty, transforming payments from utility to strategic enabler for lasting success. More here.