https://theimmutableledger.com/ An independent satirical publication covering fintech, payments, regulation, and the people who attend conferences about all three. en-AU The Immutable Ledger Wed, 06 May 2026 20:11:38 -0000 The Immutable Ledger https://theimmutableledger.com/article-fiveyear-ai.htmlhttps://theimmutableledger.com/article-fiveyear-ai.htmlWed, 06 May 2026 09:00:00 -0000TechnologyThe institution’s flagship AI transformation programme is now in its fifth year of foundational design. Delivery is described as on track. The track is being refreshed. https://theimmutableledger.com/article-blockchain-spreadsheet.htmlhttps://theimmutableledger.com/article-blockchain-spreadsheet.htmlTue, 05 May 2026 09:00:00 -0000TechnologyThe platform was launched as a distributed ledger. A subsequent technical review found one ledger, one user, and a macro. The vendor stands by the architecture, which has been retained. https://theimmutableledger.com/article-corebanking.htmlhttps://theimmutableledger.com/article-corebanking.htmlMon, 04 May 2026 09:00:00 -0000TechnologyAn eleven-year core banking migration has been paused. A steering committee has been convened to consider options. The options are described as comprehensive. https://theimmutableledger.com/article-simplification.htmlhttps://theimmutableledger.com/article-simplification.htmlSun, 03 May 2026 09:00:00 -0000RegulationIndustry has been invited to welcome a new guidance package designed to simplify regulatory reporting. The package totals 312 pages. A short-form summary is included. The short-form summary is 64 pages. https://theimmutableledger.com/article-consultation.htmlhttps://theimmutableledger.com/article-consultation.htmlSat, 02 May 2026 09:00:00 -0000RegulationA regulator has issued a consultation paper seeking industry feedback on the consultation process. Industry has indicated it will require more time. The extension is itself the subject of consultation. https://theimmutableledger.com/article-veteran.htmlhttps://theimmutableledger.com/article-veteran.htmlFri, 01 May 2026 09:00:00 -0000PeopleA senior fintech veteran has rejoined the advisory board of a payments network for the fifth time. His bio has been refreshed. Industry observers have welcomed the return as an indication of continuity. https://theimmutableledger.com/article-cfo-exit.htmlhttps://theimmutableledger.com/article-cfo-exit.htmlThu, 30 Apr 2026 09:00:00 -0000PeopleA listed payments group has announced the departure of its Chief Financial Officer to pursue exciting personal opportunities. No further details are available. The transition will be orderly. https://theimmutableledger.com/article-hackathon.htmlhttps://theimmutableledger.com/article-hackathon.htmlWed, 29 Apr 2026 09:00:00 -0000ConferencesThe annual fintech hackathon produced a winning prototype in 36 hours. Procurement has confirmed the production build will take 14 months. A new vendor will be required. https://theimmutableledger.com/article-acacia.htmlhttps://theimmutableledger.com/article-acacia.htmlThu, 16 Apr 2026 09:00:00 -0000CryptoThe potential economic benefit of tokenised money has been quantified at $24 billion per annum. This figure is contained in a report. The report recommends a follow-up programme. The follow-up programme is expected to produce a further report. https://theimmutableledger.com/article-agentic.htmlhttps://theimmutableledger.com/article-agentic.htmlThu, 16 Apr 2026 09:00:00 -0000Agentic AiThe AI has taken a position on a vendor selection. The position has not yet been reviewed. The position is described as "well-reasoned and appropriately cautious". A working group has been established to govern how agentic AI attends working groups. https://theimmutableledger.com/article-agentpay.htmlhttps://theimmutableledger.com/article-agentpay.htmlThu, 16 Apr 2026 09:00:00 -0000Agentic AiA major international card scheme has announced a framework enabling AI agents to initiate, authenticate, and settle payments autonomously on behalf of consumers. The framework includes tokenised agent credentials, liability rules, and a governance structure. The liability rules contain an exception. The exception is broad. https://theimmutableledger.com/article-ai.htmlhttps://theimmutableledger.com/article-ai.htmlThu, 16 Apr 2026 09:00:00 -0000RegulationGovernance frameworks now being refreshed for the third time. Decision-making remains unchanged. The table has nine members. AI is the tenth. https://theimmutableledger.com/article-austrac.htmlhttps://theimmutableledger.com/article-austrac.htmlThu, 16 Apr 2026 09:00:00 -0000RegulationTranche 2 compliance deadline pushed from March 2026 to July 2026, as working groups establish working groups to handle the increase in complexity. https://theimmutableledger.com/article-becs.htmlhttps://theimmutableledger.com/article-becs.htmlThu, 16 Apr 2026 09:00:00 -0000PaymentsAustralia's national payments infrastructure body abandons 2030 target in favour of a "transition framework" requiring study, consultation, and a revised roadmap due 2027. https://theimmutableledger.com/article-best-sleep.htmlhttps://theimmutableledger.com/article-best-sleep.htmlThu, 16 Apr 2026 09:00:00 -0000ConferencesA senior payments executive has described the four hours he spent asleep at Australia's premier annual payments conference as the most restorative sleep of his professional life. He is not embarrassed. He says he missed nothing. https://theimmutableledger.com/article-bitcoin.htmlhttps://theimmutableledger.com/article-bitcoin.htmlThu, 16 Apr 2026 09:00:00 -0000CryptoAustralia's four major banks confirm custody desks are live. Each previously described Bitcoin as "speculative", "a scam", "not a currency", or "something we are monitoring". They are monitoring it very closely now. https://theimmutableledger.com/article-bnpl.htmlhttps://theimmutableledger.com/article-bnpl.htmlThu, 16 Apr 2026 09:00:00 -0000ConsumerZipFloat allows customers to defer existing ZipPay obligations across a new payment schedule. The restructuring fee can be deferred under ZipFloat Plus. ZipFloat Plus fees are non-deferrable at this time. https://theimmutableledger.com/article-cloud.htmlhttps://theimmutableledger.com/article-cloud.htmlThu, 16 Apr 2026 09:00:00 -0000TechnologyThe principle is cloud-first. The principle is stored securely on-premise. https://theimmutableledger.com/article-conference.htmlhttps://theimmutableledger.com/article-conference.htmlThu, 16 Apr 2026 09:00:00 -0000ConferencesCollaboration was mentioned 27 times. The AI was not present. The paper has been forthcoming since 2022. https://theimmutableledger.com/article-readiness.htmlhttps://theimmutableledger.com/article-readiness.htmlThu, 16 Apr 2026 09:00:00 -0000TechnologyNew research shows executives are confident about direction while simultaneously unable to deploy tools at their disposal. The gap is described as "an opportunity".