Reflections on Payments in Australia, by Jussi Pasanen

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REFLECTIONS ON
PAYMENTS IN AUSTRALIA
Jussi Pasanen Photo: Mike Wilson
June 2017
Principal UX Designer, ANZ
Designer in Res...

Introduction
Payments 
in Australia
Observations &
considerations

JUSSI PASANEN
• Principal UX Designer at ANZ (Australia
and New Zealand Banking Group
Limited) based in Melbourne, Austral...

The views and opinions expressed in this presentation are those of
the author and may not necessarily state or reflect tho...

THE BIG FOUR BANKS IN AUSTRALIA
Google Play

46,500
PEOPLE
34
COUNTRIES
10M
CUSTOMERS
$5.9B
CASH PROFIT
Photo: Earl CarterFY16

Introduction
Payments  
in Australia
Observations &
considerations

CONTACTLESS AND  
MOBILE PAYMENTS

CONTACTLESS LIMITS
DRIVE BEHAVIOUR
25€FINLAND
$100AUSTRALIA
ANZ1€ ≈ AU$1.5

2 IN 3 CARD PAYMENTS CONTACTLESS
Per cent of number of point-of-sale payments
All payments
2013 2016
0
20
40
60
%
All card...

ATAGLANCE
THEREISACLEAR
MCOMMERCEOPPORTUNITY
FORAUSTRALIANBUSINESSES
OVER1/3OFAUSTRALIANS
AREMAKINGPAYMENTS
ONMOBILEEVERYW...

PAY TO MOBILE IS BANK SPECIFIC
ANZ, CBA, NAB

PAYMENT
INNOVATION

APPLE PAY
ANZ
April 2016

ANZyoutu.be/D0OS6WVe0xw

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BLADEPAY
ANZ

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Inamo sunglassesyoutu.be/74pD4vR6Wew

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Westpac Keyboardyoutu.be/FjbwRRrQLIs

PayPalyoutu.be/xzFBLND5coA

NEW PAYMENTS
PLATFORM

NPP Australiayoutu.be/-0xJmze8xbs

Introduction
Payments  
in Australia
Observations &
considerations

PERSONAL OBSERVATIONS
• Aussies tend to use cash and
Finns a card for low value
payments
• Aussies prefer credit over debi...

Luca Mascaro

Getting Down Under

Risto Rasila

Suomi.fi

PAYMENT XKCD

PAYMENT CONSIDERATIONS
• Payment is just one part of a
purchase, always consider the
broader context
• Retraining ‘muscle ...

THANK YOU
twitter.com/jopas
linkedin.com/in/jussipasanen
Photo: Annie-Spratt

SOURCES
1.Photo: Mike WIlson, https://unsplash.com/search/
docklands?photo=_GfaVUa4zrg
2.-
3.Photo: Alex Turner
4.-
5.App ...

SOURCES
17.Video: Inamo, https://www.youtube.com/watch?
v=74pD4vR6Wew
18.Video: Westpac, https://www.youtube.com/watch?
v=...

All content copyright © respective owners. See sources.
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