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Submission for the Review of Retail Payments Regulation

11 Feb 2020 DOCX 33KB
For example, card companies imply that this cost is high, while proponents of cash imply that it’s negligible. ... It should not be used as a blanket method of recovering all of a merchant’s transaction costs.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/liron-lightwood.DOCX

Review of Retail Payments Regulation Saurav Dutta, Lien Duong, ...

11 Feb 2020 DOCX 23KB
Let’s look at the case of Afterpay, an industry leader in the BNPL sector. ... Afterpay’s revenue comes from two sources: merchant fees (75% of total revenue in 2018) and late payment fees from delinquent customers (25% of total revenue in 2018).
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/curtin-university.DOCX

29 January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 92KB
As part of R&CA’s 2019 Benchmarking Report, we surveyed our members to ascertain what payment systems were most popular among out member businesses. ... R&CA’s Industry Benchmarking Survey is an industry-based survey of business conditions in the
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/restaurant-and-catering-industry-association.DOCX

REVIEW OF RETAIL PAYMENTS REGULATION: ISSUES PAPER

12 Feb 2020 DOCX 55KB
TrueLayer is a UK-headquartered FinTech firm, founded in 2016 and authorised by the UK’s Financial Conduct Authority (“FCA”). ... Are there issues that arise for the Bank’s regulatory regime for card payments or that are relevant to competition,
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/truelayer.DOCX

29th January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 103KB
We are moving towards a cashless economy and it’s vital that transaction fees are kept as low as possible.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/australasian-association-of-convenience-stores.DOCX

Summary

11 Feb 2020 DOCX 175KB
Important factors include the fees associated with the business’s merchant facility and the size of transactions. ... ANZ’s suggestions in relation to enforcement mechanisms are set out in response to question 17.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/anz.DOCX

19 February 2020 Tony Richards Head of Payments Policy ...

19 Feb 2020 DOCX 95KB
An additional restriction on competition, in Cuscal’s view, is the construct of the net compensation standards. ... However, it is Cuscal’s view the net compensation provisions can have a counter-intuitive effect on competition.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/cuscal.DOCX