Credit card

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A parliamentary committee has backed calls for a new ban on credit card gambling. 

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Consumer advocates have welcomed a recommendation by legislators that online gambling operators be prohibited from profiting from credit card-funded deposits.

Issued as part of an inquiry into the regulation of credit cards and digital wallets, the parliamentary joint committee on corporations and financial services called for a ban on gambling companies accepting credit card-funded betting that extended to cover e-wallets, buy now pay later, and vouchers.

The recommendation itself comes on the back of a joint submission to the committee prepared earlier this year by Financial Counselling Australia (FCA), Consumer Action Law Centre, and Financial Rights Legal Centre.

FCA director of policy and campaigns Lauren Levin urged Parliament to make the next step: introducing legislation.

“Debt funded gambling is never okay. This is a sensible way to reduce some harm. We thank the committee, led by Andrew Wallace, for championing this cause,” she said.

Citing data indicating that Australia has the highest per capita gambling losses in the world, Ms Levin suggested that gambling has increased significantly since the start of the pandemic and that it remains a major cause of financial harm and hardship.

“In addition to losing savings and wages, most clients of financial counsellors have credit card debts and payday loans with crippling interest payments,” she said.

Financial Rights Legal Centre CEO Karen Cox said that consumer advocates have been working to prevent credit-funded gambling for many years but that now was a strong opportunity for action on the issue.

“Going into an election, we urge all parties to consider their commitments to reducing gambling harm,” she said.

Beyond advocates and activists within the financial counselling sector, both Responsible Wagering Australia (RWA) and the Australian Banking Association have expressed support for the ban.

Australia’s peak body for gambling said that it would move to introduce a prohibition on credit card gambling in the digital gaming space earlier this year, with RWA CEO Brent Jackson saying that the organisation planned to work constructively with banks and payment processing partners as it looks to address the issue.

“Responsible Wagering Australia members acknowledge concerns expressed by policymakers and the community sector and will seek to develop measures which harmonise the online environment with gambling at clubs, pubs and casinos where credit card use is prohibited,” he said.

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A parliamentary committee has backed calls for a new ban on credit card gambling. 

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Afterpay will let customers break their monthly bills into instalments from early next year.

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One of the biggest names in Buy Now, Pay Later (BNPL) is expanding into subscription services.

Afterpay announced the move earlier this week, citing the popularity and size of the subscription payments market and a desire to offer interest-free instalments for more everyday payment needs.

Afterpay general manager of North America Zahir Khoja said that offering customers the ability to pay for subscription services like Netflix or gym memberships via Afterpay would also benefit merchant partners by allowing them to capture a wider customer base.

“As more retailers expand into the world of subscriptions, Afterpay is more than ready to answer the call for both customers and merchants,” he said.

The company said that it plans to roll out support for subscriptions in the United States and Australia in early 2022. Other regions like Canada, New Zealand, the United Kingdom and Europe are coming later down the line.

The move comes as Afterpay and other BNPL start-ups look to expand on and outside of their roots.

Earlier this month, the company launched its new Money app. 

This new offering from Afterpay includes a number of traditional banking features such as Westpac-backed savings accounts and a physical debit card.

In addition, Afterpay is also looking to differentiate Money from other neobanks through unique “superpowers” such as Retro, which gives users the option to retroactively break a transaction of up to $200 into BNPL-style instalments after the fact.

Wealth Within chief analyst Dale Gillham noted that while Afterpay remains the leader in the Buy Now, Pay Later (BNPL) space, the company’s latest move – the launch of a mobile banking app called “Money by Afterpay” – suggests the company is keen to reduce its reliance on its BNPL revenues and generate new streams of income.

“While the big four banks dominate the banking sector in Australia, many new entrants have tried to break their stranglehold, so it will be interesting to see if Afterpay can make any inroads.” 

However, “with the move into banking, Afterpay will have to deal with even more regulation and scrutiny,” he said. 

 More broadly, Mr Gillham wasn't impressed with the idea of consumers using Afterpay to put off paying their Netflix bill.

"In my opinion if a person can’t afford to pay a monthly recurring payment when it is due, then they should not be subscribing to whatever the product or service is," he said.

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Afterpay will let customers break their monthly bills into instalments from early next year.

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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(74) "/borrow-money/credit-card/afterpay-looks-to-find-foothold-in-subscriptions" ["image"]=> string(40) "images/article-826x550/AfterPay-2-ne.jpg" ["image_alt"]=> string(8) "Afterpay" } [2]=> object(stdClass)#10827 (57) { ["id"]=> int(17717) ["title"]=> string(50) "Credit cards slip 4%, but BNPL isn’t the culprit" ["alias"]=> string(55) "credit-cards-slip-4-per-cent-but-bnpl-isn-t-the-culprit" ["introtext"]=> string(145) "

Traditional credit cards have continued to decline in popularity over the course of the pandemic.

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Buy Now, Pay Later continues to eat away at the appeal of traditional credit cards, but it might not be the biggest factor behind recent trends.

According to data released by Experian, the number of open credit card accounts has steadily declined since the outbreak of COVID-19 in Australia.

Experian director of client advisory and credit services Nicholas Gudde said that border, hospitality, and retail closures had left Australians with more disposable income than usual.

“This has naturally led to borrowers paying down high-interest debt, which can include credit cards, to get themselves into a stronger financial position,” he said.

The credit bureau tracked a 4 per cent decline over the last 17 months. However, that decline was mostly driven by a downward trend among Australians aged over 35.

When it came to Aussies aged between 18 and 34, the number of open credit card accounts slightly increased during the pandemic.

Mr Gudde said that this data bucks the trend that assumes young consumers are turning their back on traditional forms of credit in favour of Buy Now, Pay Later apps like Afterpay and Zip.

“There’s also the possibility that young people have used COVID-19 lockdowns to reassess their financial goals,” he said.

According to a report released by ClearScore earlier this year, Australians missed 30 per cent fewer payments on loans than they did in 2021 compared to the previous year.

The report also found that those with the lowest credit scores experienced the strongest improvements over the past 12 months.

“The reduction in defaults over the last 12 months of COVID has had a dramatic impact therefore on improving the average credit scores of people who were classified as Poor credit score last year,” the report said.

The evidence here suggests that Australian consumers didn’t just take the chance to save money during lockdown but also the opportunity to recalibrate their thinking when it came to credit. 

“With travel off the table, young Australians may be considering taking out a home loan earlier than expected and wanting to build a stronger credit profile, utilising credit cards to demonstrate responsible borrowing behaviour,” Mr Gudde suggested.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2021-11-28 23:00:23" ["slug"]=> string(61) "17717:credit-cards-slip-4-per-cent-but-bnpl-isn-t-the-culprit" ["event"]=> object(stdClass)#11340 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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Traditional credit cards have continued to decline in popularity over the course of the pandemic.

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An analysis of Australia’s credit card sector has revealed that many premium cards are charging almost 50 per cent more than the average in interest. 

" ["fulltext"]=> string(2748) "

Even as international travel returns, the perks associated with premium credit cards might be hard to justify against the benefits of changing to a lower rate.

An analysis of Australia’s credit card industry by Mozo has suggested that a mass switch by Australians from high-rate to low-rate credit cards could reduce the national level of credit card debt by $1.66 billion each year.

“At a time when travel linked rewards on high interest rate credit cards are still struggling to take off, it can be hard to get value through this premium card category,” Mozo spokesperson Tom Godfrey said.

Mr Godfrey said that the conditions of the pandemic have made it difficult to get access to the benefits that typically come attached to the premium card category, leaving consumers with the sting of a high-interest rate and little else to show for it.

“Although it might change as international travel becomes widely available, at the moment it’s still hard to justify paying skyhigh interest rates on premium credit cards,” he said.

When it came to the cost of premium credit cards, Mozo’s analysis of the playing field found that the highest interest rate was 24.5 per cent, the lowest was just 7.49 per cent, and the average was around 17 per cent.

In addition to the lack of access to the perks that usually come with a premium credit card, Mozo also called out the rising prominence of Buy Now, Pay Later apps among consumers.

Recent months have seen more and more traditional Australian banks put their own spin on zero-interest and instalment-based credit.

“With many Australians switching to buy-now-pay-later, paying down debt and unable to get as much value through rewards programs, credit cards are not getting the workout they have previously,” Mr Godfrey said.

As the holiday season approaches, he called on consumers to think about how changing their credit cards might help them get on top of outstanding debt sooner rather than later.

“If you’re carrying a balance forward on your premium credit card, something as simple as switching to a leading low rate card may reduce your monthly interest repayments and could help you pay down your debt sooner,” he said.

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• Yes

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An analysis of Australia’s credit card sector has revealed that many premium cards are charging almost 50 per cent more than the average in interest. 

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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(83) "/borrow-money/credit-card/bnpl-isn-t-the-only-reason-to-reconsider-your-credit-card" ["image"]=> string(40) "images/article-826x550/AfterPay-2-ne.jpg" ["image_alt"]=> string(13) "BNPL Afterpay" } [4]=> object(stdClass)#10825 (57) { ["id"]=> int(17699) ["title"]=> string(69) "What the rest of the world can learn from Australia’s BNPL breakout" ["alias"]=> string(67) "what-the-rest-of-the-world-can-learn-from-australia-s-bnpl-breakout" ["introtext"]=> string(143) "

Australia has proved fertile ground for BNPL, but is it an anomaly or a sign of things to come?

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More and more Australians are choosing interest-free instalments over credit cards, but the jury is still out as to whether this formula can work elsewhere.

Zafin SVP for APAC Nicholle Lindner told nestegg that Buy Now, Pay Later (BNPL) is less disruptive than it might appear. It’s not a new concept, even if it has resonated with consumers particularly loudly this time around.

“With BNPL having little to no fees attached to purchases, combined with minimal credit checks needed to get approved, BNPL has emerged as an attractive way to make purchases for consumers of all wealth brackets,” she said.

As a short-term lending option, she said that BNPL allows consumers to make more purchases “without the fear of having sky-high interest rates that can be attached to traditional credit cards”.

According to one report by Marqeta, Australia is at the front of the pack when it comes to BNPL adoption.

Sixty per cent of Australians surveyed said they had used a BNPL, compared to 47 per cent seen among US and UK-based consumers.

Ms Lindner said that there’s no reason this success can’t be replicated overseas. While BNPL is already replacing legacy financing options in the United States, she said that the biggest potential hurdle for BNPL adoption remains regulation.

“Will one country be more restrictive than another? Or will there be similarities across the board that will enable consistency for BNPL firms to enter new markets with ease?” she said.

Noting the recent arrival of giants like PayPal and traditional banks into the BNPL sector, Ms Lindner expects that the market will level off.

“I expect there to be more moves over the coming months as larger corporations try to grab a portion of the market, and then once the dust settles, we should have a better idea of what to expect from BNPL firms,” she predicted.

Regardless, Ms Lindner said that the emergence of BNPL has already and will continue to disrupt traditional flows of revenue for both banks and credit unions.

“While credit cards have historically generated massive revenue for banks through interest rates and fees, BNPL is offering a new way for consumers to bypass these costs,” she said.

However, signs suggest that traditional banks are quickly learning to adapt to this paradigm shift.

“They’ve quickly learned to partner with fintechs who can help monitor BNPL transactions from the initial purchase point as well as create a consolidated view of the bank’s BNPL debt,” Ms Lindner said.

Looking forward, Ms Lindner predicted that the emergence of BNPL services would lead to further disintermediation in the payments space, particularly when it came to younger demographics.

“I think there will be room in the market for firms like Afterpay, Klarna and Zip to continue operating because they were first on the scene and have been building credibility with consumers,” she predicted.

However, as BNPL becomes more regulated, that advantage could erode.

“Banks have had more staying power over the years,” Ms Lindner acknowledged.

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• Yes

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Australia has proved fertile ground for BNPL, but is it an anomaly or a sign of things to come?

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The company is looking to broaden its focus from cashback to credit.

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ShopBack is getting into the business of Buy Now, Pay Later (BNPL), with the company announcing it will be acquiring the Singapore-based hoolah.

ShopBack Australia general manager Angus Muffet said that the move promises to position the company as a one-stop solution for demand generation and user engagement for merchants across the Asia-Pacific.

“Hoolah, combined with ShopBack’s position as the market-leading publisher and shopping companion across the Asia-Pacific, will transform the shopping experience for shoppers,” Mr Muffet predicted.

Following its launch in 2018, hoolah has expanded across south-east Asian markets. Today, the company works with over 2,000 merchants and offers an instalment-based alternative to credit to consumers across Singapore, Malaysia, and Hong Kong.

Hoolah CEO Arvin Singh said that the two companies complemented one another.

“Hoolah and ShopBack coming together is a natural fit given our similarities in exceptional brand recognition, user demographics, and an aligned vision of placing the customer at the heart of everything,” he said.

Nevertheless, those expecting ShopBack’s acquisition to pave the way for an Australian expansion may want to hold their breath.

Mr Muffet insisted that the acquisition of hoolah would need to be completed before any consideration could be given to the possibility of launching the BNPL platform in new markets like Australia.

Regardless of if or when hoolah does arrive in Australia, the intent of acquisition is less to do with eating away at the market share of major league BNPL platforms like Afterpay and more to do with the way that ShopBack itself generates revenue.

ShopBack CEO Henry Chan framed the partnership as a win for both consumers and merchants.

“Shoppers get the best deals and rewards, and more flexible payment options, on a single platform. Merchant partners can access a large pool of high-intent shoppers and achieve higher conversions and basket sizes,” he said.

In the twelve months prior to the end of September 2021, Australian consumers helped ShopBack gross $610 million in total online transactions value.

The company said that registered Australian membership also grew by over 50 per cent to 1.5 million in the 12 months to the end of June 2021.

Looking forward, Mr Chan predicted that the acquisition and integration of ShopBack and hoolah would only accelerate these growth curves.

“Our best-in-class technology and rich transaction data will enable us to further accelerate the development of the BNPL sector across the Asia-Pacific.” 

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2021-11-10 00:00:33" ["slug"]=> string(37) "17636:shopback-buys-itself-a-bnpl-app" ["event"]=> object(stdClass)#11373 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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The company is looking to broaden its focus from cashback to credit.

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"com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#11409 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#11057 (3) { ["data":protected]=> object(stdClass)#11065 (1) { ["options"]=> object(stdClass)#11063 (2) { ["options0"]=> object(stdClass)#11062 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#11064 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11059 (3) { ["data":protected]=> object(stdClass)#11067 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#11305 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#11061 (3) { ["data":protected]=> object(stdClass)#11069 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11066 (3) { ["data":protected]=> object(stdClass)#11071 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#11408 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#11068 (3) { ["data":protected]=> object(stdClass)#11073 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11070 (3) { ["data":protected]=> object(stdClass)#11075 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(57) "/borrow-money/credit-card/shopback-buys-itself-a-bnpl-app" ["image"]=> string(44) "images/article-826x550/ShopBack_phone_ne.jpg" ["image_alt"]=> string(31) "ShopBack buys itself a BNPL app" } }