17 Feb 2023
Philippa Campbell
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Head of Transaction Banking Australia & PNG
The evolution of digital payments is accelerating in retail and customers are demanding more. Businesses must change too if they are to capture the benefits.
03 Feb 2023
Richard Hartung
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Research Director, Singapore, Payments Consulting Network
Payments and the technology around them are getting more sustainable by implementing measures that reduce their carbon footprint.
21 Sep 2022
Steve Wiggins
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Chief Executive of Payments NZ
New Zealand’s industry payments group is mapping out the long term evolution of the system.
13 Sep 2022
Steve Worthington
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Professor at Swinburne University
With cash usage dropping around the globe how can we ensure this doesn’t lead to financial exclusion for some in the community?
08 Apr 2022
Sanjay Mathur & Dhiraj Nim
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Chief Economist Southeast Asia & India / Economist & FX Strategist, ANZ
India’s central bank digital currency – the e-Rupee - is slated to make its debut. What are the benefits of an official digital currency and how does it differ from the world of cryptocurrencies?
05 Apr 2022
Petr Ryska
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Chief Executive Officer of ANZ Worldline Payment Solutions
The new ANZ Worldline Payment Solutions joint venture launched this week into a rapidly evolving world of payments.
04 Apr 2022
Andy White
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CEO of Australian Payments Network (AusPayNet)
Payments platforms must keep up with demand as consumers increasingly move away from physical cash and cards.
24 Mar 2022
Nigel Dobson
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Banking Services Lead, ANZ
Stablecoins, tokenisation and defi are more than just online trends now. They are the basis of real demands from customers. And banks must step up.
15 Feb 2022
Mark Buckley
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Vice President for Australia and New Zealand, Genesys
A holistic and digital-first view of customer experience will create long-term value for banking customers.
27 Jan 2022
Andrew Cornell
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Managing Editor, bluenotes
The orbit of cryptocurrencies is increasingly eccentric yet central banks want to enter the system.
13 Jan 2022
Jody Bullen
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Digital Lead Data & Open Banking, ANZ New Zealand
If industries and government work together on open banking, Kiwis will gain greater long-term benefits.
13 Sep 2021
Steve Wiggins
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Chief Executive of Payments NZ
Like many economies, COVID-19 has driven a huge shift towards digital payments in New Zealand. But will the trends become permanent?
09 Sep 2021
Steve Worthington
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Professor at Swinburne University
Although digital payments are increasingly popular, cash is still a necessary form of payment for many in the economy.
01 Sep 2021
Andrew Cornell
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Managing Editor, bluenotes
Australia’s payments system is large, diverse and very complex. And globally interlinked. So has regulation kept up with the pace of innovation?
24 Aug 2021
Mike Ebstein
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Director, MWE Consulting
As cash use rates dropped through the pandemic, so too did ATM use. But this isn’t a new phenomenon.
04 Aug 2021
Andrew Cornell
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Managing Editor, bluenotes
With the Kiwis officially killing off cheques, will Australia be the next economy to formally move on from the paper-based payment?
07 Jul 2021
Jodie LeeTet
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Value Stream Lead - Cash Strategy, ANZ
Despite the growing trend of digital payments many people in society still prefer – and rely on – physical cash.
17 Feb 2021
Mike Ebstein
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Director, MWE Consulting
Cash crisis, credit risk: use of physical cash and credit cards contracted majorly in 2020 as consumers flocked to debit and digital payments.
11 Feb 2021
Alan Shields
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Chief Data Officer, RFi Group
It’s not just young consumers using buy now, pay later schemes anymore. And regulators are taking notice.
15 Dec 2020
Mark Hand
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Group Executive Australia Retail and Commercial Banking, ANZ
ANZ and Worldline have created a new joint venture to enhance the payments experience for both consumers and merchants
20 Oct 2020
Alan Shields
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Chief Data Officer, RFi Group
The move away from cash emerged as one of the biggest digital shifts from the pandemic as consumers seemed to fully embrace mobile wallets.
14 Sep 2020
Steve Worthington
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Professor at Swinburne University
Modern fraudsters are digital, agile and flexible. Are they actually the epitome of a successful business model?
11 Sep 2020
Ciyi Lim
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Head of Innovation - Asia Pacific, Visa
Customers don’t want to think about how their payment is processed, they just want it to work seamlessly.
30 Jul 2020
Karly Dwyer
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Contributor, bluenotes
Consumers and businesses have turned to contactless payments in the wake of the COVID-19 pandemic and a greater focus on hygiene.
19 Jun 2020
Jackie Kallman
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Head of Payments Industry & Engagement, ANZ
Three of Australia’s major payments companies are on the brink of a ground-breaking merger. What does it mean for competition?
25 May 2020
Steve Worthington
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Professor at Swinburne University
The perceived decreasing value of cash during the COVID-19 pandemic isn’t the same across the globe.
04 May 2020
Mike Ebstein
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Director, MWE Consulting
The payments landscape has changed entirely in two decades. Will COVID-19 alter the course of history?
05 Feb 2020
Andrew Cornell
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Managing Editor, bluenotes
Incumbent banks and new players keep coming up with even more ways to pay – but is it musical chairs or deckchairs on the Titanic?
25 Nov 2019
Steve Worthington
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Professor at Swinburne University
Before fintech, before neo-banks, there were ‘challenger’ banks. Where are they now?
28 Oct 2019
Raymond Yeung and team
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Chief Economist, Greater China & economics team, ANZ
Facebook’s digital currency holds as founder Mark Zuckerberg faces Congress. However, one party is yet to show its hand.
19 Sep 2019
Arun Kayal & Shane White
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AD Institutional Communications & Institutional Content Manager, ANZ
Banks must educate the broader financial services industry on the benefits of real-time payments platforms, according to two experts.
26 Aug 2019
Mike Ebstein
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Director, MWE Consulting
Credit cards in Australia have changed a lot since they were first introduced 45 years ago.
31 Jul 2019
Luke Deer
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Independent Researcher & Finance Tutor, University of Sydney Business School
Australia should look to China for future innovations in the fintech and payments sector.
23 Jul 2019
Steve Worthington
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Professor at Swinburne University
Don’t toll the bell just yet - cash and cheques have peculiar attractions in even the most modern economies.
15 Jul 2019
James Culham
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Executive Director, Institutional Portfolio Management, ANZ
Facebook’s latest payments venture is causing quite a stir online but will its intrinsic value add up?
10 Jul 2019
Andrew Cornell
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Managing Editor, bluenotes
Central banks have been in watch-and-wait mode on cryptocurrencies for a while but now they are beginning to move.
26 Jun 2019
Andrew Cornell
|
Managing Editor, bluenotes
Facebook has launched its own currency - Libra - we foretell doubters and challenging times ahead.
30 May 2019
Liz Maguire
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Head of Digital Channels & Transactions New Zealand, ANZ
Open banking is gathering traction in New Zealand where adoption has a distinctly Kiwi style.
29 May 2019
Andrew Cornell
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Managing Editor, bluenotes
Although bitcoin is on a bull run back into the mainstream, questions of legitimacy still remain.
26 Apr 2019
Steve Worthington
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Professor at Swinburne University
Regulation around surcharging keeps changing and has become more confusing for retailers and consumers alike.
23 Apr 2019
John Collins
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Payments & Merchants Lead, ANZ
Businesses are being empowered to choose how their tap-and-go payments are processed, says ANZ’s Payments and Merchants Lead.
04 Apr 2019
Mike Ebstein
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Director, MWE Consulting
Consumer confidence in NZ has outshone Australia for over a decade and it shows up in their spending. Will this trend continue?
02 Apr 2019
Andrew Cornell
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Managing Editor, bluenotes
Tech companies are developing their own credit cards, payments platforms and wallets to store them in – but what do consumers want?
13 Feb 2019
Andrew Cornell
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Managing Editor, bluenotes
Paying for goods and services has never been so complicated with hundreds of payments options.
25 Jan 2019
James Culham
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Executive Director, Institutional Portfolio Management, ANZ
If 2018 was the year of bitcoin, perhaps 2019 will see the stablecoin take centre stage.
18 Jan 2019
Gemma Simpson
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Digital Producer, bluenotes
Payments are disappearing from view thanks to mobile wallets.
06 Dec 2018
Matt Wood
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Head of Digital Products and Partnership at Visa
Tokenisation: the technology changing digital commerce.
01 Oct 2018
Jemma Wight
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Production Editor, bluenotes
As people move away from cash, so too will businesses like Melbourne’s Lune Croissanterie – and there’re other benefits.
10 Sep 2018
James Culham
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Executive Director, Institutional Portfolio Management, ANZ
What is it that banks actually do that nobody else can?
05 Sep 2018
Martin Smith
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Head of Markets Analysis, East & Partners
Acceptance of digital currency remains largely misunderstood or off the agenda for the majority of Australian merchants.
27 Aug 2018
Jemma Wight
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Production Editor, bluenotes
Often called the “plumbing” of banking, the payments business is complex – and potentially risky.
01 Aug 2018
Andrew Cornell
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Managing Editor, bluenotes
Digital has brought a seismic shift in the economics of financial services. An expert describes on podcast what lies ahead.
30 Jul 2018
Steve Dando
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Personal & Business Banker, ANZ
A bump in the road won’t be enough to keep crypto - an asset class still worthy of investment – away.
20 Jul 2018
Grant Halverson
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Former CEO, McLean Roche Consulting
It might be time to forget what you’ve read about the whole world going cashless.
18 Jul 2018
Karl Hoffman
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GM Credit Cards & Personal Lending, ANZ
Credit cards were never meant to be the be all and end all. What does the future hold?
27 Jun 2018
Andrew Cornell
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Managing Editor, bluenotes
The BIS has delivered its result on crypto – as if the market was still waiting for advice - and it sounds like coinmania flew too close to the sun.
26 Jun 2018
Steve Worthington
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Professor at Swinburne University
Much has been written about Australia’s move to a cashless society, do the numbers really stack up?
24 May 2018
Grant Halverson
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Former CEO, McLean Roche Consulting
Payments systems are constantly changing and there’s a lot in store for the future, says a payments expert.
29 Mar 2018
Patrick Vizzone
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Head of Food, Beverage & Agribusiness, International, ANZ
Try paying for small items with cash or cards in China and expect an eye roll in response.
21 Mar 2018
Andrew Cornell
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Managing Editor, bluenotes
We sit down with Chris Boncimino, Visa’s head of innovation, to chat about cryptocurrncies, QR codes, plastic cards, cash and all the other ways to pay.
20 Mar 2018
Tony Field
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bluenotes contributor
Companies must consider the needs of all their customers when designing products and processes.
15 Mar 2018
Anne Collard
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Head of Payments Capabilities & Industry, ANZ
A digital-identity system in Australia is vital as more retail and financial services migrate online.
19 Jan 2018
Steve Price
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Head of Everyday Banking and Payments, ANZ
ANZ data shows rapidly growing popularity of mobile payments.
06 Dec 2017
Steve Price
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Head of Everyday Banking and Payments, ANZ
The global wearables market is expected to be worth a staggering $US25 billion by 2019.
04 Dec 2017
Kate Sutherland
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bluenotes contributor
On podcast, ANZ’s Nigel Dobson and NPP’s Adrian Lovney chat about the real-time future of the Australian payments sector.
30 Oct 2017
Shane White
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Content Manager - Institutional, ANZ
Visa’s Jack Forestell and ANZ’s Tony Maughan talk about tech, leadership and agility.
23 Oct 2017
Fred Ohlsson
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Group Executive, ANZ Australia
As payment tech develops, banks and regulators must ensure methods stays accessible for the whole community.
13 Oct 2017
Steve Worthington
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Professor at Swinburne University
The way we pay is changing rapidly but one thing endures: risk.
12 Oct 2017
Adrian Lovney
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CEO at NPP Australia
Australia’s payments system, much of it decades old, is moving into the real-time world.
10 Oct 2017
Andrew Cornell
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Managing Editor, bluenotes
Cryptocurrencies are copping flak but nobody is calling foul on blockchain – and the reasons are numerous.
06 Oct 2017
James Wilson
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History editor
Remember when the $A was worth the paper it was printed on? We look at the history of tender.
09 Aug 2017
Andrew Cornell
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Managing Editor, bluenotes
RBA assistant governor chats to bluenotes about the bank’s latest survey and its implication for the payments sector.
28 Jul 2017
Kate Sutherland
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bluenotes contributor
New system supports easy-to-remember ID to safely direct or receive payments.
26 Jul 2017
Andrew Cornell
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Managing Editor, bluenotes
The debate around credit card surcharges has raised its head again in the wake of a ruling in Britain.
14 Jun 2017
Andrew Cornell
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Managing Editor, bluenotes
Banking is essential to a modern economy but banks are not. Can FANGs fill the role?
02 Jun 2017
Steve Worthington
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Professor at Swinburne University
Although its share of usage continues to fall, cash will always play a part in our spending.
30 May 2017
Andrew Cornell
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Managing Editor, bluenotes
Fintech isn’t breaking banks – but it’s big enough for regulators to start paying attention.
30 May 2017
Matt Hoggett
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Co-Founder, Prezzee Pty Ltd
Will gift cards make the shift online? The virtual world could be an opportunity - not a threat.
21 Feb 2017
Priyanka Bagde
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Survey Analyst, Euromonitor International
India is a country where 97 per cent of transactions by volume still happen with cash. Is such a cash-dependent economy ready for the digital revolution?
20 Feb 2017
Andrew Kershaw & David Tyrer
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Former General Manager Product Management, Institutional & Director Digital Channels NZ, ANZ
The decline of cheques, the move to a cashless society and the increasing use of smartphones are just some of the trends sweeping the payments world –and on a global scale, New Zealand is ahead of the curve.
16 Feb 2017
Steve Worthington
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Professor at Swinburne University
The world is going cold on cash. Successive moves by global governments to consider or act on a reduction of banknotes in a bid to, among other things, clamp down on illicit purchases. Digital payment methods are of course the beneficiaries.
06 Feb 2017
Andrew Cornell
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Managing Editor, bluenotes
The reports of the death of Bitcoin may be exaggerations but they're out there.
17 Jan 2017
Kath Bray
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Managing Director - Retail Banking, ANZ
The holiday period has always been about relaxing and spending time with family, but is increasingly becoming more about one thing: spending.
15 Dec 2016
Shiro Armstrong
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Editor, East Asia Forum
Internet finance may be a new development in China but its impact is now everywhere.
02 Dec 2016
Phoebe O'Sullivan
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BlueNotes contributing editor
Modern technology gives business the freedom to focus on what really matters: the customer experience, successful entrepreneur and chef George Calombaris says.
30 Nov 2016
Andrew Cornell
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Managing Editor, bluenotes
In the decades since payment cards entered commerce alongside cash their promoters have struggled to convince a significant minority of merchants the benefits of non-cash payments outweigh the costs.
29 Nov 2016
Shane White
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Content Manager - Institutional, ANZ
Like shoulder pads, undercuts and cargo pants the humble cheque is out of fashion in Australia and falling well out of use. Indeed, new research shows Australians have abandoned the use of cheques and the pace of desertion is increasing.
24 Nov 2016
Mike Ebstein
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Director, MWE Consulting
The Indian Government has got it in for cash. Or, perhaps more accurately, the black economy – which is cash based. The move to cull the highest-value notes on issue is the most radical but not the only interesting development in global payments. And perhaps a sign of things to come.
18 Oct 2016
Kath Bray & Steve Price
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Managing Director Products & Senior Manager Everyday Banking, ANZ
The pace of change in the rapidly evolving payments space is news to no one. As the world moves closer to becoming cashless and disruptors offer an increasingly wide number of payment options, the old ways of buying are losing relevance.
28 Sep 2016
Andrew Cornell
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Managing Editor, bluenotes
The seemingly inexorable trend towards a cashless society continues as contactless payments and mobile wallets replace cash in consumer commerce and real-time payments occur deeper and deeper into the world of small as well as large business.
08 Sep 2016
Brooke Hemphill
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Editor, ADMA
In the not-too-distant future, banks will be jostling for attention alongside a new breed of digital-only financial providers able to move at the speed of light, powered by the latest in technological advances and a lack of legacy infrastructure.
14 Jul 2016
George Lawson
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Head of Emerging Products and Innovation ANZ & SP, Visa
Do people really want to pay with their phones? It’s an interesting time to revisit this question because Android Pay has just launched in Australia.
11 Jul 2016
Mike Ebstein
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Director, MWE Consulting
Dairy farmers may well be bemoaning low milk prices but New Zealand consumers overall do not appear to be letting too much get in the way of increasing their use of credit and charge cards.
02 May 2016
Shane White
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Content Manager - Institutional, ANZ
For as long as humans have used payment systems there has been fraud. IBM Director of Counter Fraud Management Constantin von Altrock says the two sides are likely to fight each other forever - like Antonio Prohias’ Spy vs Spy. But there are steps the sector can take to mitigate the damage.
15 Feb 2016
Robert Walls
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Head of Products NZ and Pacific, Visa Australia
Across the wider payments industry we are at a special moment in history. There is a confluence of secular trends converging in the right way at the right time.
05 Feb 2016
Richard Haigh
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Former Head of Australia Payments and Cash Management Products, ANZ
The world has gone digital. Consumers demand online and mobile solutions to their problems and businesses increasingly use paperless processes. Yet the old paper cheque is still relied upon by a surprising number of businesses; a throwback to a past of very different working capital strategies.
01 Feb 2016
Steve Worthington
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Professor at Swinburne University
Decades after the paperless office was first mooted and financial institutions started to talk about the end of cash, both paper and hard currency are still with us.
25 Jan 2016
Faraaz Ali
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Head of Retail Banking Asia, ANZ
In his book The Tipping Point author Malcolm Gladwell provides insights into how trends are sparked and take hold. How what's not becomes what's hot; the case for something going viral; the cause of what some would call a 'WhatsApp moment'.
30 Nov 2015
Robert Walls
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Head of Products NZ and Pacific, Visa Australia
The financial services industry in Australia has rightfully earned a reputation around the world for leading the way in innovation, particularly in payments.
16 Nov 2015
Lance Blockley
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Managing Director Consulting, RFi Group
Payment fraud is a balloon: squeeze it in one place and it will pop out in another. This effect is readily seen in card payments. As lawmakers have attacked fraud at the physical point of sale fraudsters have moved to the historically less-secure online environment...
12 Nov 2015
Steve Worthington
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Professor at Swinburne University
With more than 5,000 of the 6,500 final submissions to the Australian Financial System Inquiry (FSI) concentrating on the topic, it was no surprise the Australian Government announced in October it would examine excessive credit card surcharges.
13 Oct 2015
Andrew Cornell
|
Managing Editor, bluenotes
Going viral is one of the favoured metaphors of the social and digital world but it is the nature of viruses to rapidly mutate, shifting targets and impacts.
29 Sep 2015
Andrew Cornell
|
Managing Editor, bluenotes
A quarter of Australians have had it with cash. At least according to electronic payments network PayPal. The network's research found not only did 25 per cent of respondents not shop at cash-only businesses, more than half noted cash-only organisations were hard to do business with.
15 Sep 2015
Andrew Cornell
|
Managing Editor, bluenotes
The mass theft of payment card data aside, the biggest payments scam going in the United States at the moment is petrol theft – even as the cost of fuel falls.
03 Aug 2015
Leigh Mahoney
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Head of Wholesale Digital, ANZ
It's so 90s but when you want to do your banking on the run, some banks still force you into an online desktop experience that they think you like. Most of us only use it because we have to, not because we want to. So does this mean online desktop banking is dead? Or at the very least dying?
10 Jun 2015
Andrew Cornell
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Managing Editor, bluenotes
Cryptocurrencies and their enabling technologies have been back in the news with more traditional financial institutions globally, including banks, announcing trials or at least interest.
22 May 2015
Alan Shields
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Chief Data Officer, RFi Group
Every day there appears to be new payment technology being developed and it is easy to get excited – well, as a payments wonk anyway - at the prospect of a less-cash, more-digital payments scenario.
04 May 2015
Andrew Cornell
|
Managing Editor, bluenotes
As giants like Apple and Google and China Union Pay, along with literally thousands of would-be disruptors, try to upend the global payments system, it may seem slightly anachronistic the Reserve Bank of Australia still has its focus on interchange fees – an agenda kicked off well over a decade ago when Apple still just made computers and Google was barely a verb.
13 Apr 2015
Steve Worthington
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Professor at Swinburne University
Having recently been in the United States of America for a month, I have been able to see first hand some of the effects of the polarisation of that society. It is obviously a social issue but it's also evident in payments.
31 Mar 2015
Andrew Cornell
|
Managing Editor, bluenotes
Disruption, particularly in financial services, is one of the hottest investment themes going.
24 Feb 2015
Andrew Cornell
|
Managing Editor, bluenotes
It sounds like the set up for a joke: a bunch of guys are sitting around for their regular get together, eating and drinking, before they realise none of them can pay.
19 Feb 2015
Mike Ebstein
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Director, MWE Consulting
After several years of losing share to debit cards – reflecting more cautious consumers – the data for 2014 have shown credit cards are back in vogue. But not the credit card of old.
20 Jan 2015
Mike Ebstein
|
Director, MWE Consulting
As Australian – and global – reforms of payments systems have demonstrated, they are complex networks. Complex to operate, complex to regulate, complex to forecast. But they are vital to efficient economies.
14 Jan 2015
Lance Blockley
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Managing Director Consulting, RFi Group
For many, many years I have presented at payments conferences about how consumer payments are habit forming. People tend to be “locked in” to how they pay for things by the time they are 30 years old. A much stronger – not just slightly stronger - “value proposition” is needed to knock them out of their old payment habit and into something new.
09 Dec 2014
Phil Chronican
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Former CEO ANZ Australia
The recently forged New Payments Platform, with 12 financial institutions signed up to take part, will change the way Australia does business. With the ability to receive real time payment confirmation, businesses and individuals will have greater confidence to exchange.
02 Dec 2014
Andrew Cornell
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Managing Editor, bluenotes
After a few delays and strong arming from the Reserve Bank of Australia, sufficient financial institutions, including the big banks, have now signed up to build Australia’s real time payments system, the prosaically named 'New Payments Platform', the NPP.
18 Nov 2014
Andrew Cornell
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Managing Editor, bluenotes
It now seems likely, following some very strongly encouraging words by Reserve Bank of Australia governor Glenn Stevens in a recent speech, that enough major payments-industry participants have signed up to make a start on Australia’s long-expected real time payments platform.
10 Nov 2014
Stafford Masie
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Former General Manager South Africe, Google
Banks have a big part to play in the future of payment technology and are not about to leave the space any time soon, according to Stafford Masie, entrepreneur and founder of technology group Thumbzup.
21 Oct 2014
Andrew Cornell
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Managing Editor, bluenotes
The abolition of signatures as a means to verify credit card payments has prompted some alarming media coverage, such as the story noting a restaurant owner had to send customers around the corner to an ATM to get cash to pay their bill.
20 Oct 2014
George Lawson
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Head of Emerging Products and Innovation ANZ & SP, Visa
If my wife had said to me 10 years ago I would wake up at 3am to watch the launch of a new mobile phone on the other side of the world, I would have told her she was crazy and gone back to watching reruns of Seinfeld.
02 Sep 2014
Andrew Cornell
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Managing Editor, bluenotes
There’s something misleading about the term “surcharge”. Technically it sounds right – the “sur” prefix does denote over or above or more and a surcharge is an extra payment. But the implication is of a payment for an extra service.
01 Sep 2014
Dilip Rao
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Financial and banking technology innovation veteran
The Medicis in the 15th century (‘God’s Bankers’) were constrained by the Catholic Church’s ban on usury - the charging of interest - on loans.
28 Jul 2014
Steve Worthington
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Professor at Swinburne University
The Wallis Financial System Inquiry in 1997 famously devoted just a couple of pages to superannuation. The 2014 Murray version has super as a major focus.
03 Jul 2014
Alan Shields
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Chief Data Officer, RFi Group
Conventional wisdom tells us the battle to replace cash will be won or lost on public transport. At RFi we believed getting consumers to use non-cash methods for their daily commute would ingrain the habit of electronic payment - and thus set up a market for a broader payments evolution.
30 Jun 2014
Stephen Karpin
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Group Country Manager, Visa
Australians are changing the way they pay with unprecedented speed. Take the adoption of contactless and, soon, mobile payments. In the past 12 months, usage of contactless has doubled.
09 Jun 2014
Andrew Cornell
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Managing Editor, bluenotes
In Melbourne’s Docklands precinct, where the ANZ mothership is berthed, there’s dozens of small cafes and lunch spots. Almost all accept contactless card payments, the so-called “tap and go” system.
28 May 2014
Lance Blockley
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Managing Director Consulting, RFi Group
Just over two years ago, what has now become known as the Industry Security Initiative (ISI) was born. In August this initiative will end an era in Australian payments when signatures will no longer work to authorise card transactions.
Mike Ebstein
|
Director, MWE Consulting
The volume and value of cheque use in Australia – and globally – is continuing to plummet, according to new data. Where – or when – will it end?