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Financial system in Australia
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=== New Payments Platform === The New Payments Platform (NPP)<ref>{{cite web|title=New Payments Platform|url=https://www.rba.gov.au/payments-and-infrastructure/new-payments-platform/|website=RBA|access-date=11 May 2018}}</ref> is open access infrastructure for fast payments in Australia. The NPP was developed via industry collaboration to enable households, businesses and government agencies to make simply addressed payments, with near real-time funds availability to the recipient, on a 24/7 basis. Each payment message is capable of carrying much richer remittance information than other systems. The NPP infrastructure supports the independent development of โoverlayโ services to offer innovative payment services to end-users.
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