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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 3, 20254 min read


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 24, 20254 min read


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 23, 20255 min read


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 31, 20251 min read


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 13, 20251 min read


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 3, 20254 min read


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 13, 20255 min read


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


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


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


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


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


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


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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