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What's the difference between credit and debt? How Afterpay and other 'BNPL' providers skirt consumer laws

  • Written by Saurav Dutta, Head of School at the School of Accounting, Curtin University
imageBecause 'buy now, pay later' companies are not regulated under the National Credit Act, Afterpay is not legally required to observe responsible lending obligationswww.shutterstock.com

Credit used to be straightforward. A company that let you own something and pay for it over time was called a credit provider. It might be a bank, a department store...

The 95 Per Cent Failure Rate Is Not An AI Problem

Most Australian SMEs I speak with are already having a go at AI. Some are running formal pilots, others have a team member quietly experimenting o...

New AR tech helping to solve field service skills crisis

AI-enabled augmented reality (AR) smart glasses are emerging as a new practical solution to fill a shortage of field service technicians maintaini...

For Midsize Companies, Global Payroll Systems Matter More to Business-Security Than You Think

When a midsize company expands across borders, its payroll operation becomes exponentially more complex. These organisations typically face a new ...

GEO and the AI search shift reshaping Australian and New Zealand business visibility

For years, one of the biggest digital marketing questions for businesses was ‘how do we get onto page one of Google?’ That question still matters, ...

Why self-service is reshaping fleet management for modern businesses

Fleet management today is constrained by fragmented systems and heavy administrative demands. A lot of the work still relies on booking vehicles and...

Fraud Prevention and security crucial as identity crime hits record highs in Australia

In a radically transformed risk landscape where the scale and speed of financial fraud have reached unprecedented levels, Australian businesses ar...