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BECS September 2025 (DDR) Changes: Time to Accelerate PayTo Transition
New Direct Debit Rules Signal the Future of Australian Payments On 1 September 2025, significant changes to Australia's Bulk Electronic...

Mark Townley
Sep 34 min read
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ACCC Authorises Industry Collaboration on Australia's Payments Future: What this means.
The Australian Competition and Consumer Commission (ACCC) has granted authorisation AA1000690 for an 18-month industry collaboration to...

Mark Townley
Aug 244 min read
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PayID and PayTo (NPPA): Fast Money or Fast Data Intelligence?
The conversation around Australia's real-time payments revolution has largely focused on the mechanics of PayID and PayTo - faster...

Mark Townley
Jun 235 min read
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We help to optimise and deliver successful payments strategies, solutions, choices and change for Asia Pacific businesses, corporates, government and banks.
Solutions and Services Overview (March 2025)

Mark Townley
Mar 311 min read
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PAYDAY NEWS - BECS to NPP Migration
Mark Townley , Founder and Principal Consultant, artipi.com.au December 2024 George Lekakis  reports the planned reconfiguration of...

Mark Townley
Feb 131 min read
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Sales Excellence in Fintech and Financial Services - Understanding the Buyer Perspective
In the fast-paced world of fintech and financial services, sales excellence is not just about having a compelling product; it’s also...

Mark Townley
Feb 34 min read
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30 Questions to Ask Your Transaction Banking and/or Payment Service Provider in 2025
As a CxO, Billing/Payments Manager or Business Owner operating in the Australian market, reviewing and modernising your payment systems...

Mark Townley
Jan 135 min read
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Six Major Trends Shaping the Future of Payments in 2025: Innovations and Opportunities for Consumers, Small Businesses, and Enterprises
The payments industry is at the forefront of technological and process innovations, responding to evolving consumer behaviours,...

Mark Townley
Dec 28, 20245 min read
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Treasury and Working Capital Management in the Era of Real-Time Payments
Treasury and Working Capital Management in the Era of Real-Time Payments The corporate treasury landscape is evolving rapidly in response...

Mark Townley
Dec 10, 20248 min read
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Navigating Uncertainty in Enterprise Project Planning: The Power of Real Options in Investment Decisions
In today’s fast-paced digital environment, companies, from start-ups  to scale-ups  to large enterprises , must continually balance...

Mark Townley
Dec 2, 20247 min read
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Payments Products Are Only as Good as the Payer Experience They Deliver
With the rise of digital, real-time, and blockchain-enabled payments, there is a growing expectation that the payer experience, whether...

Mark Townley
Nov 28, 20248 min read
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Payments Optimisation Strategy: Balancing Economics and Experience for Payers and Payees
Australia's payments landscape is rapidly evolving, driven by technological advancements, infrastructure modernisation and changing...

Mark Townley
Nov 24, 20248 min read
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BECSit 2030 and migration to NPP: Are you organisationally ready to reap the rewards?
Australia’s payments landscape is undergoing an unprecedented transformation as the country plans for the windup of the Bulk Electronic...

Mark Townley
Nov 21, 20246 min read
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Payments Procurement in the Age of Fintech: Rethinking Corporate Payment Solutions
For years, Australian businesses have relied on banks to provide essential payment solutions. These traditional products and services,...

Mark Townley
Nov 17, 20248 min read
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