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AusPayNet is the payments self-regulatory body in the Australian market - established in 1992 to manage the day-to-day operation of the payments clearing systems.
Its purpose is to improve the safety, reliability, equity, convenience and efficiency of payment systems in Australia. And actively monitor and facilitate industry collaboration to reduce payment fraud.
Here’s more on AusPayNet
2 Risk Based Analysis (RBA) refers to the means or method of authentication being proportional to the risk profile of the resource of the cardholder is trying to access and/ or action it’s seeking to execute.
3 Strong Customer Authentication (SCA) in contrast to normal or single factor authentication is a stronger form of authentication and provides more assurance the cardholder actually is who he/she claims to be. SCA means authenticating with two authentication methods instead of one. This can be a combination of two of the following three: something the customer knows (e.g. PIN, dynamic CVV or password), something the customer has (i.e. device, static CVV or token) and/or based on something the customer is (i.e. biometrics).