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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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1 in 5 Australians missing BNPL payments

By Cameron Micallef

November 16 2020
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Invest

1 in 5 Australians missing BNPL payments

By Cameron Micallef
November 16 2020

The corporate regulator said on Monday, 16 November, that one in five consumers engaged in “buy now, pay later” services is missing payments, with some taking out loans for repayments.

1 in 5 Australians missing BNPL payments

By Cameron Micallef

November 16 2020
Share

The corporate regulator said on Monday, 16 November, that one in five consumers engaged in “buy now, pay later” services is missing payments, with some taking out loans for repayments.

In its report, the Australian Securities and Investments Commission (ASIC) found that 1.1 million transactions on BNPL services in 2018-2019 incurred multiple missed payment fees.

While the total credit extended to consumers doubled in 12 months, ASIC found that transactions increased from 16.8 million to 32 million in the same period.

“During 2018-19, missed payment fee revenue for all BNPL providers in the review was over $43 million, up 38 per cent from the previous financial year, while the number of BNPL transactions nearly doubled to 32 million in 2018-19 from 16.8 million in 2017-18,” ASIC said.

But the regulator has not called for any additional regulation, such as an extension of the credit act to the sector, which sector leaders and consumer advocacy groups have been seeking.

However, the Treasury is set to review the regulation of the payments system, including consumer protections.

“Policy and regulation of the buy now, pay later industry remains a matter for the government and, ultimately, the Parliament,” ASIC said.

“Buy now, pay later arrangements are clearly popular as a payment method. While working for the majority of users, some consumers are suffering harm.”

The regulator said changes were on the horizon that would impact the industry, with design and distribution obligations coming into effect in October next year.

Afterpay and its challenger brand Zip Co Ltd have both welcomed the report in separate statement, with Afterpay telling shareholders it would participate in the Australian government’s upcoming review of the regulatory architecture of the payments system.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.

About the author

Cameron Micallef

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