1 | Dr Lien Duong, Dr Duc-Son Pham, Professor Grantley Taylor and Dr Baban Eulaiwi (PDF 205 KB) |
| 71f69965-02a7-4247-a08c-0a7f2a9f31b7~707170 |
2 | Dr Harjinder Singh, and Associate Professor Nigar Sultana (PDF 127 KB) |
| c07b264b-5b3b-4949-979b-cb66dea65167~707196 |
3 | EY (PDF 174 KB) |
| 0650024e-ce10-4001-858b-de7d8d1dc9fa~707197 |
4 | mHITs limited (PDF 163 KB) |
| 808f5615-609e-4471-9623-5b34759c19e4~707204 |
5 | Australian Retailers Association (ARA) (PDF 150 KB) |
| cf4d290c-f807-410b-81e6-0a5e224ed183~707205 |
6 | Restaurant and Catering Industry Association (PDF 117 KB) |
| 5a930ac9-426f-4d3f-a202-c6dfdda981ed~707274 |
7 | Australian Payments Network (PDF 210 KB) |
| af355c16-17d3-4190-aaec-7e77d28a27b4~707285 |
8 | Reserve Bank of Australia (PDF 610 KB) |
| e804dece-65a2-470e-9038-11b2cd3ff8ad~707291 |
9 | Australian Securities and Investments Commission (ASIC) (PDF 166 KB) |
| 7594481e-5528-4d7f-b6eb-8a406bcd2658~707301 |
10 | Commonwealth Bank of Australia (CBA) (PDF 2045 KB) |
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11 | Australian Competition & Consumer Commission (ACCC) (PDF 389 KB) |
| 536623a4-0b64-486a-918a-41b1ce2ad847~707325 |
12 | Australian Finance Industry Association (AFIA) (PDF 115 KB) |
| 576d819d-d2ea-48d5-9fb9-ec1d588acf0e~707335 |
13 | Match Group (PDF 1671 KB) |
| 5897c20a-9d26-44ae-99a8-08c10e970d07~707338 |
14 | eftpos & Beem It (PDF 117 KB) |
| 7f72b25e-fc86-4751-8870-8cb103d66e2e~707340 |
15 | Google (PDF 856 KB) |
| 7bbe0b65-5ab4-4b07-b038-565ae91d07e3~707289 |
16 | Australian Banking Association (PDF 227 KB) |
| f276edd6-c571-4002-b71d-02ff991bdddb~707341 |
17 | Epic Games, Inc (PDF 225 KB) |
| 8d532f79-5564-4fc8-bb62-1061a666d6e1~707288 |
18 | CMSPI (PDF 818 KB) |
| 05fdf7bf-0f3c-4b59-93bd-7b607f585587~707362 |
19 | CPA Australia (PDF 325 KB) |
| 46ee193d-e33b-4371-bda2-022f3e80a702~707412 |
20 | Apple (PDF 427 KB) 20.1 Supplementary to submission 20 (PDF 107 KB) |
| 6f5a6922-9d28-4a2e-962a-40a621893a23~707599|71db99e1-f40a-4a14-8c82-97d088f0d9bf~707599 |