Submissions
1
Dr Lien Duong, Dr Duc-Son Pham, Professor Grantley Taylor and Dr Baban Eulaiwi
2
Dr Harjinder Singh, and Associate Professor Nigar Sultana
5
Australian Retailers Association (ARA)
6
Restaurant and Catering Industry Association
7
Australian Payments Network
8
Reserve Bank of Australia
9
Australian Securities and Investments Commission (ASIC)
10
Commonwealth Bank of Australia (CBA)
11
Australian Competition & Consumer Commission (ACCC)
12
Australian Finance Industry Association (AFIA)
16
Australian Banking Association
20.1 Supplementary to submission 20
22
Customer Owned Banking Association
Answers to Questions on Notice
1
Apple: NFC Chip Access - Answer WQoN 001 conveyed on 8 July 2021 from Mr Wallace (received 23 July 2021)
2
Apple: Bluetooth POS Payments - Answer WQoN 001 conveyed on 8 July 2021 from Mr Wallace (received 23 July 2021)
3
Apple: App Store self-preferencing protections - Answer WQoN 001 conveyed on 8 July 2021 from Mr Wallace (received 23 July 2021)
4
Apple: Least Cost Routing - Answer WQoN 001 conveyed on 8 July 2021 from Mr Wallace (received 23 July 2021)
5
Apple: Merchant surcharging - Answer WQoN 001 conveyed on 8 July 2021 from Mr Wallace (received 23 July 2021)
6
Apple: In-app purchase commissions - Answer WQoN 001 conveyed on
8 July 2021 from Mr Wallace (received 23 July 2021)
7
Curtin University: Answer to question 01: Google's claim on data usage - taken on notice during public hearing on 27 July from Mr Hill (received
5 August 2021)
8
Curtin University: Answer to question 02: Other regulation models - taken on notice during public hearing on 27 July from Mr Hill (received 5 August 2021)
9
Zip: Answer to question 01: Share of regulated and unregulated lending - taken on notice during public hearing on 26 July 2021 from Senator O'Neill (received 5 August 2021)
10
Zip: Answer to question 02: Regulatory frameworks for security of personal information on major platforms - taken on notice during public hearing on
26 July 2021 from Senator O'Neill (received 5 August 2021)
11
CPA: Answer to question 01: German regulation of competition and consumer protection in 'big tech' - taken on notice during public hearing on 27 July 2021 from Senator O'Neill (received 11 August 2021)
12
CPA: Answer to question 02: European regulation of competition and consumer protection in 'big tech' - taken on notice during public hearing on
27 July 2021 from Senator O'Neill (received 11 August 2021)
13
eftpos: Answer to question 01: Least cost routing - taken on notice during public hearing on 26 July 2021 from Mr Hill (received 12 August 2021)
14
RBA: Answer to question 01: Other jurisdictions NFC regulation - taken on notice during public hearing on 26 July 2021 from Mr Wallace (received
13 August 2021)
15
RBA: Answer to question 02: What developments would indicate regulatory intervention is required - taken on notice during public hearing on 26 July 2021 from Senator Scarr (received 13 August 2021)
16
RBA: Answer to question 03: Potential savings from least-cost routing of dual-network debit card transactions - taken on notice during public hearing on
26 July 2021 from Mr Hill (received 13 August 2021)
17
RBA: Answer to question 04: Countries where Australia's financial data is held - taken on notice during public hearing on 26 July 2021 from Senator O'Neill (received 13 August 2021)
18
Google: Answer to question 01: Use of data by Google - taken on notice during public hearing on 26 July 2021 from Mr Hill (received 17 August 2021)
19
Google: Answer to question 02: Impacts on Fintech - taken on notice during public hearing on 26 July 2021 from Mr Georganas (received 17 August 2021)
20
Google: Answer to question 03: Location of data centres - taken on notice during public hearing on 26 July 2021 from Mr Wallace (received
17 August 2021)
21
Google: Answer to question 04: App developers on Google Play - taken on notice during public hearing on 26 July 2021 from Senator O'Neill (received
17 August 2021)
22
Treasury: Answer to question 01: Apple NFC access - taken on notice during public hearing on 27 July 2021 from Senator O'Neill (received 23 August 2021)
23
Treasury: Answer to question 02: Council of Financial Regulators recommendations - taken on notice during public hearing on 27 July 2021 from Mr Hill (received 23 August 2021)
24
Commonwealth Bank of Australia: Assessing BNPL - Answer to WQoN 002_01 conveyed on 18 August 2021 from Senator O'Neill (received 21 September 2021)
25
Commonwealth Bank of Australia: Treatment of BNPL accounts- Answer to WQoN 002_02_03 conveyed on 18 August 2021 from Senator O'Neill (received 21 September 2021)
26
Commonwealth Bank of Australia: BNPL liability - Answer to WQoN 002_04 conveyed on 18 August 2021 from Senator O'Neill (received
21 September 2021)
27
Commonwealth Bank of Australia: Promoting BNPL - Answer to WQoN 002_05 conveyed on 18 August 2021 from Senator O'Neill (received
21 September 2021)
28
Commonwealth Bank of Australia: Fraud Stats - taken on notice during public hearing on 27 July 2021 from Mr Hill (received 21 September 2021)
29
Commonwealth Bank of Australia: Future scenario - taken on notice during public hearing on 27 July 2021 from SEN O'Neill (received 21 September 2021)
30
Commonwealth Bank of Australia: Market statistics - taken on notice during public hearing on 27 July 2021 from Mr Wallace (received 21 September 2021)
31
Commonwealth Bank of Australia: Media Bargaining Code - taken on notice during public hearing on 27 July 2021 from SEN Scarr (received
21 September 2021)
Tabled Documents
1
eftpos - Mr Stephen Benton - Opening Statement - tabled in public hearing on 26 July, 2021 [submission 14A]
2
Beem It - Mr Mark Britt - Opening Statement -tabled in public hearing on
26 July, 2021 [submission 14B]
3
Zip Co - Mr Peter Gray - Opening Statement - tabled in public hearing on
26 July, 2021 [submission 22]
4
Google - Ms Diana Layfield - Opening Statement - tabled in public hearing on 26 July, 2021 [submission 15A]