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A comment on Australia’s new real-time banking payments platform. Parent comment

Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @04:28AM (#16365850)
ALL the time. It's the replacement for cash. Looking at the past 6 months in my history: Split numerous restaurant bills. Paid someone who bought me a concert ticket. Bought some crap in a flea market. Bought a set of used wheels for my car. Bought a hotdog at the son's hockey game cafeteria. Bet the office sports tournament pool. Bought food in a hospital ward. Bought soda in a vending machine. Of these many happened multiple times and the clear majority were to individuals. During these 6 months I have not touched cash.
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Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @07:39AM (#16366663)
I should add: the reason this system is so convenient I’d because it’s a) tied directly to my bank account and doesn’t need me to add money to a “wallet” and b) The only system around, so when splitting a restaurant bill there is no chance someone doesn’t use it, and no chance anyone has any other system. c) Free.
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Re:Australia’s new real-time banking payments platform by blablablaber on Tuesday February 13, 2018 @09:38AM (#16367390)
Besides looking almost exactly as the written version of an advertisment used to promote the same solution(different name) in our country, what an extraordinary probe into your personal life!
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Re:Australia’s new real-time banking payments platform by Gogogogirl on Tuesday February 13, 2018 @05:07AM (#16366023)
Just asking, because I'm interested. Do you use it to pay Amazon? Your phone bill? You power provider? These are the areas I (Germany) currently use SEPA direct debit and would know how SEPA payments is used/replaced in other countries.
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Re:Australia’s new real-time banking payments platform by stefanfisk on Tuesday February 13, 2018 @09:09AM (#16367176)
utility bills and other regular stuff like that can be delivered electronically to your bank account in Sweden, such that you just log in and approve them. domestic online purchases are commonly paid by card, by a direct bank transfer that's done integrated as part of the checkout, or through Klarna where your just approve the purchase and then sort it out with them afterwards.
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Re:Australia’s new real-time banking payments platform by Gogogogirl on Tuesday February 13, 2018 @10:04AM (#16367606)
Nice!
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Re:Australia’s new real-time banking payments platform by alkonaut on Tuesday February 13, 2018 @09:20AM (#16367268)
No (well, not quite), for online purchases in web shops I either just use my card or I use "bank direct payment" which goes via the same authorization (BankID smartphone app) used for both the direct to phone-number payments (Swish) and for online banking in most/all banks and other major companies and authorities.

I don't get paper bills for services such as phone/power/water/insurance/tv, they are delivered to my bank electronically and either paid automatically or I log in (BankID smartphone app) and confirm the payments.

So the transfer system isn't used for bills, but the same authorization system is used for bills/banking and direct transfer.

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Re:Australia’s new real-time banking payments platform by Gogogogirl on Tuesday February 13, 2018 @10:04AM (#16367609)
Thanks!
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