How banks can fight fraud in an instant-payments world
Australia's primary system for transferring funds between two accounts, the Bulk Electronic Clearing System, is slated for retirement by June 2030. This system handles superannuation payments, salaries and dividends. Many payments already go through the New Payments Platform, which was designed to support instant transactions.

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Older People Are Sharing All The Random Things That Didn't Exist When They Were Younger, And Oh My God, I Can't Believe The World Has Changed So Fast
Recently, I wrote an article sharing people's examples of "something young people don't realize didn't exist when you were younger" — and it got such a great response, I felt like I had to share even more. So, here are some of the best: 1."Cigarette machines." —Anonymous, 62, New York 2."CDs/DVDs and players." —Anonymous, 62 New York 3."Plastic bottles. I remember going to the store and buying Gatorade for my football game in a glass." —Anonymous, 50, Lynnfield, Massachusetts shootings. You used to be able to bring your guns to school, people had gun racks in their pick-ups." "Also, girls' sports. I remember when I moved to Arkansas, girls' basketball was half-court. That was it. Totally no Title IX happening there. I had volleyball, basketball, softball, and track in Minnesota when I was in school a hundred years ago. Now, look at where the ladies have taken soccer and added teams to the WNBA. Huge win for the ladies to get sports scholarships." —casualking314 5."I remember when the gas station cleaned your windshield." —Anonymous, 80, Illinois "A service attendant filled your car with gas at a service station, checked your tires and oil, and washed your windows. Service stations had gas and auto mechanics to fix tires and cars. There were no gas stations with convenience stores." —Anonymous, 75, Minneapolis 6."I remember when most stores were closed on Sunday. In my state, it wasn't until the '80s that many stores were open on Sunday. I miss that." —Anonymous 7."Microwave ovens and timers for lights." —Anonymous, 79, Novato, California 8."Yogurt." —Anonymous 9."I remember when there weren't any area codes. Phone numbers had names like Hudson 2468." —Anonymous 10."There were no buses where I lived. Along with all those books we carried home on foot, I lugged a tenor saxophone home to practice every night." —Anonymous 11."Leaf blowers." —Anonymous, 62, New York 12."Microwaves, CDs, digital downloads, the iPhone." —Anonymous, 66, Charlotte, North Carolina 13."Fast food of any kind. We always ate Mom's (sometimes Dad's) home cooking. I still make the majority of our meals. It's healthier and tastes better." —Anonymous, Washington State 14."Liquid soap or detergent." —Anonymous, 62, New York 15."Of course, we did not have cellphones, but we didn't have push-button phones either. They were rotary dial. No one liked numbers with nine in them because you had to turn the rotor so far over." —Anonymous, 61, Minneapolis 16."TV shows after midnight." —Anonymous 17."Photocopiers. The first commercial ones came out in the '60s. Goodbye, carbon paper!" —Anonymous, 67 18."Fully automatic washing machines. Before that, we had an 'automatic' washer that had to be drained after the wash cycle, then refilled with fresh water to rinse. It also had a roller that you fed the clothes through to squeeze the water out. Sometimes your hand got rolled and squeezed as well. Painful experience." —Anonymous, 64, Baltimore, Maryland 19."Birth control pills." —Anonymous 20."Milkmen who delivered milk, soda water, and concentrated Coca-Cola and other syrups to be mixed in it right to your door." —Anonymous, 72, Oregon 21."I never even SAW an avocado, let alone taste one, 'til I was about 20 and went to my first Mexican restaurant with a friend. I was HOOKED on them! I eat avocados daily now! Yumm!" —Anonymous, Kicking around since 1951 (73 years old), Chicago, Illinois 22."Fancy baby gear! Strollers with cup holders, electric (not wind-up) baby swings, affordable electric breast pumps, video monitors for the nursery, digital cameras built into phones for instant results, and more…" —Anonymous, 67, Georgia 23."Seat belts. Car seats for kids. Helmets, knee pads, etc. for when you ride a bike." —Anonymous 24."Using coal to heat the house." —Anonymous 25."Video calls – talking face-to-face over a screen for the first time felt like sci-fi. Oh, and smart watches; they so remind me of the Star Trek communicators!" —Anonymous 26."I was in college when hand calculators became common. They were about the size of a paperback book, cost about $600 (I seem to recall my tuition per semester was $700), and engineering students were required to get them. Now you can get a 'Hello Kitty' calculator at Five Below that probably has 10 times the calculating ability." —odaydaniel "So true. The Texas Instruments calculator was required for the computer programming class in the mid-1970s. Expensive. Purchased a new calculator this year for $5 at Walmart." —smartwitch66 27."When my grandmother was a kid, women couldn't vote. When I was a kid, Mom couldn't have a bank account or credit card in her own name. All that progress, and now they're trying to take it away." —sportyking436 28."I'm older than the chicken pox vaccine! I remember going to 'pox parties' in kindergarten to get exposed to the virus (I guess so I could get it over with, idk). Yes, I did get infected, and I remember the oatmeal baths well, LOL. My brother and husband are younger than I am and both received the vaccine as kids. So, I guess I'm the lucky one who will eventually deal with Shingles." —happytiger557 "You can get the Shingles vaccine which I highly recommend." —smartwitch66 finally, a nostalgic moment: "I remember when I was younger, we would go to a store called Holton's or Larson's, and we would get penny candy. The candy would not be wrapped, and we would select the candy that we wanted. It would be put in a bag, and then we'd just eat the candy out of the bag. My favorite was Swedish Fish. They had the big, long, red ones that were probably like three inches long, and you would pay a penny for each." Peter Keegan / Getty Images, John Greim / Getty Images —Anonymous, 43, Utah Anything I missed? Feel free to reminisce or share your own examples in the comments below! Or, if you want to write in but prefer to stay anonymous, you can check out this anonymous form. Who knows — your answer could be included in a future BuzzFeed article. Solve the daily Crossword
Yahoo
11 minutes ago
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Steelers RB Kaleb Johnson's slow start is causing major concern
When the Pittsburgh Steelers drafted Najee Harris 24th overall in the 2021 NFL Draft, it was supposed to be a signal of a strong running game for years to come. Although Harris tallied over 1,000 rushing yards in all four seasons with Pittsburgh, his 3.9 career yards per carry and lack of explosive plays led the Steelers to look in another direction after his rookie contract expired. Enter Kaleb Johnson, taken in the third round of the 2025 Draft out of Iowa, the reigning BIG 10 running back of the year. Johnson was a dynamic playmaker who averaged over five yards per carry throughout his collegiate career. Despite being a third-round selection, Johnson came into Pittsburgh with sky-high expectations. With Pittsburgh only taking two offensive players in the draft, more eyes were on Johnson than just about anyone entering training camp. After an underwhelming statistical performance during the Steelers' first preseason game against the Jacksonville Jaguars this past weekend, some analysts have become concerned with the early returns of the young running back. ESPN's Brooke Pryor expressed her concerns with Johnson and his total body of work to this point on 102.5 WDVE. 'It kind of feels like we're watching Najee Harris right now, and Kaleb Johnson was drafted to be better than Najee,' Pryor said. 'Not every running back can be as durable as he (Harris) was, but you wanna be durable and explosive, and I haven't seen that yet from Kaleb Johnson.' Pryor also compared Johnson's body of work in camp to that of Jaylen Warren when he joined the team as an undrafted free agent in 2022 'It was very different from a couple years ago when Jaylen was a new guy and he was a UDFA, and really popped at camp, and it felt like wow, we really found something, a diamond in the rough here.' Pryor and the rest of the media seemed to have lofty expectations for Johnson, which he has not lived up to in their eyes. 'Kaleb is coming in with more expectations, and he didn't necessarily have the same pop.' It is important to remember that the majority of training camp is football in shorts. Something important to note from the game against Jacksonville is that Johnson played the majority of his reps with the backup offensive line, and it is impossible to draw any major conclusions from preseason football as a whole. Warren is more than capable of shouldering the majority of the touches this season, but Johnson will still be very involved in the offense. I also anticipate Kenneth Gainwell to have a viable pass-catching role this season. This backfield will be a committee for this season, but it is entirely too early to have any major concerns with the Steelers' talented rookie running back.
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11 minutes ago
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Cody Rigsby is 'over' wellness trends. Now he's keeping it simple.
Cody Rigsby recently restarted therapy. The New York City-based Peloton instructor, 38, told USA TODAY he picked back up his sessions after about six weeks off. Rigsby says in therapy he's focused on "getting right with the thoughts and feelings that are coming up, and seeing what I need to take with me through the rest of the summer." For anyone picking up a wellness routine after a hiatus, Rigsby says working out or going to therapy might require an initial hurdle, but it's worth it. "You can do something you don't want to do for 20 minutes," Rigsby says. "That consistently turns into a good feeling." Shedding the wellness fads Now is the time to get back to simple wellness routines, Rigsby says, and make a back-to-school plan to take into the fall. He's "over" the whiplash of wellness trends, and wants to set an example of simple ways for reliable results that make us feel good. He's taking this mentality into his partnership with Kashi, leaning away from habits like crash diets, feeling guilty about carbs and restrictive meal plans, and embracing intuitive, mindful routines. A bowl of simple cereal encapsulates that desire for ease, he says. And with exercise classes and therapy sessions expensive right now amid inflation and rising consumer prices, Rigsby recognizes many Americans are struggling to keep us with constant fads to eat right and get active. To anyone feeling that wellness isn't accessible for them right now, Rigsby suggests simple, free tasks, like meditating for five minutes, a body weight exercise or a walk in a public space. "It doesn't feel complicated," Rigsby says of this current wellness ethos. What's the difference? Minimally-processed vs. ultra-processed foods How a fitness leader stays fueled Rigsby, known for his effusive pop-music-backed positive cycling classes, has learned a lot about protecting his energy on and off the Peloton screen. Many people rely on him for their sacred moment of the day catching their breath between pedaling to Britney Spears and laughing at his "Codylations." But he's learned to set boundaries, he says, so he's got enough fuel to show up for himself and his classes. "What really recharges me is quality time with the people I care about," Rigsby says of the balance. He tries to schedule moments of self care into his life, from a workout daily to a monthly night out with friends to an annual big vacation. "I'm fortunate enough to have a job I get to bring that joy to what I do and connect with people," Rigsby says. He's also stepped into a caregiving role for his mother, a duty he acknowledges is "draining" for so many people who manage the well-being of a friend or family member. "With my mom, there are things I'm responsible for, but I try carve out time that's fun, enjoyable and memorable," Rigsby says. He has learned how to anticipate his "triggers" when going to be with his mom so he's able to show up and make the most of their time, rather than feel depleted or frustrated. "A big reminder is that whether we are the caregiver or the person being taken care of, we're all doing the best we can," Rigsby says of his experience. "We're never going to do it perfectly, so give yourself a lot of grace because no one gives you a guidebook on how to have kids or how to care of your parents or how to take care of a partner. We're going to mess up." The caregiving economy: Nearly half of parents with disabled kids report suicidal thoughts, but can't find help He balanced work and personal responsibilities with opportunities for restoration and exploration this summer, he says. Watching all four seasons of Netflix's "Emily in Paris" (a show he describes as "so bad it's so good") was his easy way to "dissociate" from the anxieties of his packed schedule. And he toured Europe, adventuring across Paris, London and Madrid. His favorite moment: A peaceful mid-week wander through the Museo Nacional Centro de Arte Reina Sofía in Spain. Art as wellness? "It's inspiring," he says. This article originally appeared on USA TODAY: Peloton's Cody Rigbsy is 'over' complicated wellness trends Solve the daily Crossword