Author Archives: dwliston


man in blue dress shirt wearing black framed eyeglasses

The new Buy-Now-Pay-Later (BNPL) fee the federal government is considering could hurt consumers by a whopping $450 million. This is how much customers would pay if merchants passed on their BNPL fees.  This new fee will not only disproportionately hurt young people as their economic future has never been more uncertain, but it will likely result in them being driven

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The Smart Books To Buy

pile of books

SmartWayToPay’s mission is to provide our readers with information about the Smart Ways To Pay for goods and services, as well as all the dumb ways you can pay. We want to empower our readers to become savvier shoppers. Most of the people involved with SmartWayToPay have had a long history in consumer advocacy. With Christmas coming up and therefore

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Cashbacks – What are they and why they’re a smart tool to help you pay less!

When’s the last time you got given cash back for buying a product or service? Even cashback on an already discounted product or service?  If you’re not a subscriber of Shopback or Cashrewards, it’s unlikely you’ve ever been given cash back for your regular shopping. Now this is all changing. ‘Cashback’ providers are becoming a hugely popular way to attract

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Who are the Tech Council of Australia?

You may have heard about a new peak body advocating for Australia’s tech businesses; the Tech Council of Australia.   The Tech Council of Australia is a recently formed peak body primarily representing Australia’s tech sector. However they also represent firms in the broader tech ecosystem, including venture capitalists, advisers and tech-enabled businesses outside the tech sector. You may have read

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What consumer groups sometimes miss about Buy-Now-Pay-Later – it’s providing consumers with a much better option than credit cards

Consumer groups are designed to provided consumers with advocacy, support and often collective power. We believe most Australian consumer groups do a great job at this. However, we believe the concern regarding potential risks of Buy-Now-Pay-Later (BNPL) use can be overstated and the positive effect BNPL is having on consumers, under-appreciated. Consumer group Choice are currently surveying their members about

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The Fintech revolution Australia didn’t really notice

When one thinks of Australia and fintech, the automatic reaction is to think Buy-Now-Pay-Later. This is understandable given our local success in kick-starting the global trend.  However, there is significant financial innovation afoot that Australians may have overlooked. Neobanks are taking the world by storm with some local players making moves too.  Neobanks are simply defined as being new app-based

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Zip and Afterpay join Way Forward to further strengthen their hardship programs

This week there was news that Zip and Afterpay have partnered with Way Forward, the preeminent Australian debt solutions charity. This partnership is set to further strengthen Zip and Afterpay’s existing hardship programs Way Forward is a not for-profit-organisation helping people in financial difficulty become debt free. They offer Australians debt advice and free financial support to help manage their

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A bill to outlaw credit card use in online gambling has fallen over after a senate committee deemed it the responsibility of gambling companies and banks to tackle the problem. While gambling with credit cards is banned in casinos and pubs, online gambling with credit cards is still allowed. The result is disappointing for gambling experts and support groups.  A

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Is the ANZ BNPL capitulation a canary in the coal mine for credit cards?

Recent news of ANZ Bank finally capitulating and announcing their own version of Buy-Now-Pay-Later could be considered the canary in the coal mine for credit cards.  At a time when Australians managed to wipe $1.1 Billion off their credit card debt in a single month, it could be argued this archaic form of providing credit could be on it’s way

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