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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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Inquiry into Mobile Payment and Digital Wallet Financial Services – July 2021 | Payments System | Submissions

8 May 2024 Submissions
can initiate a payment from their bank's app without the involvement of the technology company's mobile wallet. ... However, online merchants that integrate wallet providers' checkout ‘buttons’ on their websites or in their apps may be required to
https://www.rba.gov.au/publications/submissions/payments-system/inquiry-into-mobile-payment-and-digital-wallet-financial-services/index.html

Submission to Payments System Review – January 2021 | Responses and Options Paper

8 May 2024 Submissions
The increased consumer use of remote payments has been accompanied by more businesses selling goods or services on their websites or via mobile apps. ... These payment methods are commonly used for app-based ride-hailing and meal delivery services, for
https://www.rba.gov.au/publications/submissions/payments-system/submission-to-payments-system-review-01-2021/index.html

Appendix A: Survey Methodology

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
Not in person. – In-app on smartphone. – Other online. – Other offline.
https://www.rba.gov.au/publications/rdp/2023/2023-08/appendix-a.html
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5.5 Focus Topic: Operational Risk in a Digital World

6 Oct 2023 FSR – October 2023
5.5 Focus Topic: Operational Risk in a Digital World | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/focus-topic-operational-risk-in-a-digital-world.html

Consumer Payment Behaviour in Australia

15 Jun 2023 Bulletin – June 2023
Thuong Nguyen and Benjamin Watson
The results of the Reserve Bank’s 2022 Consumer Payments Survey show that consumers continue to shift from using cash to electronic payment methods – a trend that was accelerated by the COVID-19 pandemic and consumers’ preference towards using
https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html

The Australian Financial System

7 Oct 2022 FSR – October 2022
Another major bank – CBA – had announced plans to allow some crypto-assets to be purchased using the CommBank app, though these plans are on hold pending further clarity on the regulatory
https://www.rba.gov.au/publications/fsr/2022/oct/australian-financial-system.html

Payments System Regulation and Policy Issues

28 Sep 2022 PSB Annual Report – September 2022
PayTo could be used in a range of other payment scenarios, including for in-app and e-commerce transactions, funding digital wallets and paying e-invoices.
https://www.rba.gov.au/publications/annual-reports/psb/2022/payments-system-regulation-and-policy-issues.html

The Evolving Payments Landscape

21 Oct 2021 PSB Annual Report – 2021
In most cases, customers use a mobile app to access these services and repayments are drawn from a customer's linked debit or credit card.
https://www.rba.gov.au/publications/annual-reports/psb/2021/the-evolving-payments-landscape.html

Retail Payments Regulation and Policy Issues

21 Oct 2021 PSB Annual Report – 2021
in-app and other types of recurring payments.
https://www.rba.gov.au/publications/annual-reports/psb/2021/retail-payments-regulation-and-policy-issues.html

Developments in the Buy Now, Pay Later Market

18 Mar 2021 Bulletin – March 2021
Chay Fisher, Cara Holland and Tim West
The buy now, pay later (BNPL) sector is growing rapidly and new providers and business models are emerging.
https://www.rba.gov.au/publications/bulletin/2021/mar/developments-in-the-buy-now-pay-later-market.html