Spending

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Consumer awareness of buy now, pay later services, including AfterPay and Zip, continues to grow as Aussies look for alternative ways to make purchases.

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Despite often being dubbed as a service for millennials, the latest Roy Morgan figures showed that 15.3 million Aussies are now aware of the products.

Afterpay is the clear market leader, with over two-thirds of Australians, 70 per cent, aware of the service in the year to February 2021, up by 36.2 per cent points since September 2018.

Main rival Zip is also making a significant impression on the Australian marketplace, with nearly half of Australians (48.6 per cent) now aware of Zip – an increase of 30.5 percentage points since September 2018.

The two main buy now, pay later (BNPL) service providers have now been joined by a host of second-tier fintech companies in the space, including Humm, LatitudePay and Openpay – and awareness of all three is growing quickly.

In February 2021, over a fifth of Australians, 20.3 per cent, were aware of Latitude Pay, and over one-in-10 were aware of either Humm (11.5 per cent) or Openpay (11.3 per cent).

According to Roy Morgan’s CEO, Michele Levine, the COVID-19 nationwide lockdowns and free government stimulus money to support the economy has been a boon for the secretary. 

“Retail sales in Australia have increased by an average of 8.8 per cent on a year-over-year basis for the nine months since May 2020, according to the ABS, compared to a 2 per cent average annual increase pre-pandemic.

“New digital payment channels such as the buy now, pay later services Afterpay, Zip, Humm and LatitudePay and Openpay have been beneficiaries of the retail spending boom,” she explained.

She noted that women are the key users of BNPL services and have adopted the new fintech digital payment services at almost twice the rate of men, while nearly a quarter of people aged 25-34 use the new services – a higher rate than any other age group.

“However, there are key differences between the different providers, as although people aged 25-34 are the most likely to use market leaders Afterpay and Zip, the second-tier services provided by Humm, LatitudePay and Openpay are all more likely to be used by a slightly older demographic,” Ms Levine explained. 

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Consumer awareness of buy now, pay later services, including AfterPay and Zip, continues to grow as Aussies look for alternative ways to make purchases.

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The NSW government has announced that thousands of Sydney commuters will be able to pay for various modes of transportation through their Opal cards, receiving discounts in the process.

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Under the proposal, the government will give 10,000 participants the option of paying for Uber rides, Lime Bikes, Ingogo Taxis and Manly Fast Ferry using their Opal cards.

The trial will give a $3 discount to travellers who use public transport after using one of these other forms of transportation within 60 minutes.

The trial is set to begin mid-year and run until December.

“We know how convenient using one card is and this is just the beginning. If the trial is successful, we will look into rolling it out across the network and we’ll be inviting other providers to get on board, too,” Minister for Transport and Roads Andrew Constance said.

According to the Minister, journeys will not need to be in a specific order, with transfers between modes needed to occur within 60 minutes to gain the $3 Opal card credit. 

Uber Australia’s general manager, Dom Taylor, said the trial was an exciting next step.

“This is a fantastic example of how government and industry can work together to deliver better ways to move people from A to B. Sydneysiders can already access public transport information via the Uber app. Now they can use Uber to take the stress out of getting to and from a public transport hub and be rewarded for it as well,” Mr Taylor said.

As part of the trial, My Fast Ferry customers will save 10 per cent on their ferry fare during peak times and 25 per cent when travelling off peak, with NRMA’s managing director of transport, Samantha Abeydeera, welcoming the inclusion.

“My Fast Ferry is an essential connection for people moving between Manly and Circular Quay, receiving a reward for pairing this up with another public transport trip will make a massive difference for commuters,” Ms Abeydeera said.

The trial forms part of the government Future Transport Technology Roadmap that includes trials of hydrogen-powered buses in Sydney metro areas.

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The NSW government has announced that thousands of Sydney commuters will be able to pay for various modes of transportation through their Opal cards, receiving discounts in the process.

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A piece of Holden motoring history is up for grabs this weekend, with nostalgic investors likely to spend upwards of $200,000 to secure the rare car.

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The 1974 Holden is one of six that was a special order by Bob Jane Southern Motors, having ordered it in the colour ‘Sebring’ orange with the car still showing in original condition.

Lloyd’s Auctions highlighted the L34 was like the Bathurst Model but street legal, with the car in many ways being the last real muscle car from the period. This combination as well as the low number means the car is “ultra-desirable collector’s item”.

Lloyd’s auction chief operations officer Lee Hames believes nostalgic car enthusiasts are likely to show interest in the vehicle. 

“As we have seen over the last few months due to the closure of Holden manufacturing in Australia, people are looking to preserve the history and story of Holden by collecting and cherishing these vehicles where we are seeing their values increase with broken records across the nation,” Mr Hames said. 

Mr Hames said this is a very special L34 Torana and extremely rare, a fantastic opportunity for a Holden collector or enthusiast to own a piece of Holden history.

“The classic car market is stronger than ever, particularly Holden’s, and that’s why we have recently expanded into a larger facility in Sydney where this Torana along with many others will go under the hammer this weekend,” said Mr Hames.

Earlier this year, the last Holden ever manufactured in Australia went to auction, with the investor spending more than half a million on the vehicle. 

The Holden VF Series II SSV Redline built in October 2017 is the very last Holden manufactured in Australia. Holding a part of the 70-year-old Australian automotive history, with just 102km on the odometer and presented in the same original showroom condition rolled out of Holden.

In 2020, around 600 Holden employees lost their jobs after the carmaker’s parent company, General Motors, announced that the iconic Australian brand was closing down after the government ceased subsidies to the car manufacturer. 

In total, government support for GM’s local operations hit over $2 billion, as the local authorities fought to keep the manufacturer onshore.

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A piece of Holden motoring history is up for grabs this weekend, with nostalgic investors likely to spend upwards of $200,000 to secure the rare car.

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The big four bank has launched a new buy-now-pay-later service in a bid to take on established players in the lucrative industry. 

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With changing consumer demands seeing customers prefer to split payments, Commonwealth Bank said it will launch its own buy-now-pay-later (BNPL) service through its debit or credit card from mid 2021. 

Commbank said the industry standard for BNPL services is 4 per cent merchant fees to sales, with the major bank saying it will not charge an additional fee for businesses who accept the payment. 

The nation’s largest bank said it will be available for payments between $100 and $1000, with transactions broken into four payments.

“Customer needs are evolving and this new BNPL offering is about giving customers more choice around how they choose to pay and when, depending on the option which suits them best,” said CBA’s Group Executive, Retail Banking Services, Angus Sullivan.

“When making a payment, customers will have additional flexibility to use it for their everyday spending for smaller purchases as well as split over four instalments to help smooth payments for bigger purchases.

The major bank said the BNPL offering is in line with shifting customer preferences and expectations around how they like to access short term credit in ways that are simple, low cost and have no surprises.

“We are excited to announce the first BNPL offered by a major bank which will give customers access to cash flow in a way that meets their changing preferences and expectations,” Mr Sullivan said.

Eligible customers will be able to apply for the product where they show evidence of a regular salary deposited into a CBA transaction account which can cover repayment instalments. CommBank’s BNPL will only be available to customers following internal and external credit assessments.

“As the leading digital bank in Australia, we believe we are best placed to offer our customers a prudent and responsible BNPL option based on the trends and insights sourced from real time transaction data over many years,” Mr Sullivan added.

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The big four bank has launched a new buy-now-pay-later service in a bid to take on established players in the lucrative industry. 

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The COVID-19 pandemic was not the win for alcohol distilleries as previously predicted, with widespread fears about soaring alcohol consumption now proven baseless, new research has found. 

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Experts predicted panic buying in liquor stores and screenshots of Zoom happy hours, in the early part of the COVID lockdown, were signs that Aussies were increasing their alcohol consumption. 

However, poll data released by Roy Morgan has shown that alcohol consumption continued to fall in 2020.

In fact, back in 2006, when Roy Morgan began collecting this data, 73.5 per cent of Australians enjoyed a drink in an average four-week period. In the 12 months to September 2020, that was down to 66.4 per cent.

“There was a lot of hypothesising about the changes to various purchasing and consumption habits that might result from the pandemic,” Michele Levine, Roy Morgan’s CEO, said. 

“Our data shows the dire warnings about huge rises in the level of alcohol consumption fall into that category.” 

On the other hand, online retail sales boomed, reaching $15.6 billion in 2020, a 26.7 per cent increase on 2019.

According to Ms Levine, online sales came about as a result of consumers changing their drinking habits. 

“There are two factors at play here, one obvious, one less so. First, people might not have been drinking more, but they were certainly drinking differently, with the option to go out to bars or have wine over dinner much reduced or simply not available to millions of people for months at a time.” 

“The less obvious factor is the move towards premiumisation we’ve seen among the high-spending group of ‘NEO consumers’ identified in our research. This significant part of the population isn’t drinking more, in fact many are drinking less, but they are spending more on higher quality product,” Ms Levine concluded.

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The COVID-19 pandemic was not the win for alcohol distilleries as previously predicted, with widespread fears about soaring alcohol consumption now proven baseless, new research has found. 

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Despite Australian consumers continuing to purchase new vehicles, EV sales have remained stagnant, new research has revealed. 

Write comment (0 Comments) " ["fulltext"]=> string(3351) "

Figures released by the Australian Bureau of Statistics (ABS) showed that Australia’s consumer-led economic recovery is continuing, with purchases of vehicles setting a new record, increasing by 31.8 per cent over the quarter. 

Separate data released by the Federal Chamber of Automotive Industries (FCAI) showed that a total of 83,977 vehicles were sold in February 2021, up 5.1 per cent on February 2020 sales when 79,940 vehicles were sold.

The stats showed Toyota was the leading brand in February, with sales of 18,375 vehicles, followed by Mazda with 8,322, Hyundai with 6,252, Mitsubishi with 6,202 and Kia with 5,871.

FCAI chief executive Tony Weber said the result showed that confidence was continuing to grow in the market.

“During the past four months, we have seen an increase of 10.6 per cent in new vehicles, and this has been reflected with strong growth in NSW, Queensland, Western Australia, South Australia and the Northern Territory in February 2021. The sales reduction in Victoria can be attributed to the COVID-19 restrictions that were put in place during the month.

“We remain confident that this trend of growth will continue in an environment where business operating conditions continue to normalise,” he said.

EVs lag behind

Strong car sales have not translated to an increase in EV sales, with Australia remaining stagnant on clean vehicle sales. 

In 2020, there were 6,900 electric cars sold in Australia, a 2.7 per cent increase from the 6,718 sold in 2019. The 2020 figures showed that electric cars accounted for 0.7 per cent of total Australian car sales.

By comparison, electric vehicles in the EU increased their market share from 3.8 per cent in 2019 to 10.2 per cent in 2020. 

In the UK, it was 3.1 per cent in 2019 against 10.7 per cent in 2020. In California, market share went from 7.6 per cent to 8.1 per cent. And in Norway, it rose from 56 per cent in 2019 to 75 per cent in 2020.

Electric Vehicle Council chief executive Behyad Jafari said the baffling Australian anomaly needed to end.

“Australian drivers are ready to join the exciting global electric car transition, but our politicians are yanking the handbrake," he said.

Mr Jafari said the Australian market is “uniquely hostile market”, which is holding back EV adaption. 

“We have no targets, no significant incentives, no fuel efficiency standards – and in Victoria we even have a new tax on non-emitting vehicles.

“Our governments are apparently doing everything possible to ensure Australia is stalled with its hazards on while the rest of the world zooms into the horizon,” Mr Jafari concluded. 

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Despite Australian consumers continuing to purchase new vehicles, EV sales have remained stagnant, new research has revealed. 

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string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5532 (3) { ["data":protected]=> object(stdClass)#5535 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5534 (3) { ["data":protected]=> object(stdClass)#5537 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5783 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5536 (3) { ["data":protected]=> object(stdClass)#5539 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5538 (3) { ["data":protected]=> object(stdClass)#5541 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5780 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5540 (3) { ["data":protected]=> object(stdClass)#5543 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5542 (3) { ["data":protected]=> object(stdClass)#5545 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5781 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5544 (3) { ["data":protected]=> object(stdClass)#5547 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5546 (3) { ["data":protected]=> object(stdClass)#5549 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5776 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5548 (3) { ["data":protected]=> object(stdClass)#5554 (1) { ["options"]=> object(stdClass)#5552 (2) { ["options0"]=> object(stdClass)#5551 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5553 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5550 (3) { ["data":protected]=> object(stdClass)#5556 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5779 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5555 (3) { ["data":protected]=> object(stdClass)#5558 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5557 (3) { ["data":protected]=> object(stdClass)#5560 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5789 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5559 (3) { ["data":protected]=> object(stdClass)#5562 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5561 (3) { ["data":protected]=> object(stdClass)#5564 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/invest-money/spending/new-car-sales-soar-but-evs-are-left-behind" ["image"]=> string(40) "images/article-826x550/car-dealer-ne.jpg" ["image_alt"]=> string(18) "New car sales soar" } }