Don't forget that Australia has EFTPOS and most debit cards are co-branded. The RBA is pushing for transactions to be routed over EFTPOS when possible [1].
And obviously, NPP continues to be rolled out: Osko is now widely available and PayTo [2] will be rolled out throughout 2024.
And obviously, NPP continues to be rolled out: Osko is now widely available and PayTo [2] will be rolled out throughout 2024.
[1] https://www.rba.gov.au/payments-and-infrastructure/debit-car... [2] https://payto.com.au