Sounds like the banks are copying Australia's New Payments Platform. It's about time. If you think it will do away with services like Windcave's account2account and Poli, though, you're unfortunately mistaken. Businesses love those services because they have all the accounting system integrations so they don't have to reconcile payments, etc, and don't have to wear any chargeback risk or deal with trying to find out which customer made that $17.25 deposit with the reference "Topup". Unfortunately when one of the two main providers of "Man in the Middle as a Service" (POLi) is owned by the Australian Government, it's easy to see it as a legitimate service and it's no wonder this app went straight for it.