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RBA Glossary definition for APPs

APPs – Australian Privacy Principles, replaced the Information Privacy Principles and the National Privacy Principles on 12 March 2014.

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Introduction | Dual-Network Cards and Mobile Wallet Technology – Consultation Paper – December 2016

10 Dec 2016 Consultations
The electronic representation of the card is contained in a ‘mobile wallet’ – an ‘app’ provided either by the cardholder's financial institution or by a third-party mobile wallet provider. ... Almost all Australian card-issuing financial
https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/introduction.html

Mobile Wallet Technology | Dual-Network Cards and Mobile Wallet Technology – Consultation Paper – December 2016

10 Dec 2016 Consultations
Before the digital representation of a ‘card’ can be used in an app or wallet, it must be ‘provisioned’ in that app or wallet. ... to the app and selects the card (or account) that they would like to provision.
https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/mobile-wallet-technology.html

The Use of Online and Newer Payment Methods | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 |…

7 Jun 2011 Consultations
Usage of mobile payments also appears to be primarily for phone-related services and products, with about 60 per cent of users buying ring-tones, games or applications (‘apps’) for their
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/online-newer-payment-methods.html