Abbreviations

ABA	Australian Banking Association
ACCC	Australian Competition and Consumer Commission
ACM	Netherlands Authority for Consumers and Markets
ACMA	Australian Communications and Media Authority
ADI	authorised deposit-taking institution
AFIA	Australian Finance Industry Association
AFR	Australian Financial Review
APC	Australian Payments Council
APRA	Australian Prudential Regulation Authority
ARA	Australian Retailers Association
ASIC	Australian Securities and Investment Commission
AusPayNet	Australian Payments Network
AUSTRAC	Australian Transaction Reports and Analysis Centre
BLE	Bluetooth Low Energy
BNPL	Buy Now Pay Later
CBA	Commonwealth Bank of Australia
CFR	Council of Financial Regulators
CMSPI	CMS Payments Intelligence
COSBOA	Council of Small Business Organisations of Australia
CTF/AML	counter-terrorism financing and anti-money laundering
EU	European Union
FCA	Financial Conduct Authority
FSS	Fast Settlement Service
HCE	Host Card Emulation
IAP	in-app payment or purchase
LCR	least-cost routing
NFR	near-field communication
NPP	New Payments Platform
PIN	personal identification number
POS	point-of-sale
PPF	purchased payment facility
PSR	Payment System Regulator
QR code	quick read code
RBA	Reserve Bank of Australia
SVF	stored value facility
UWB	ultra-wideband

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