Graph 5  Mobile Wallet Transactions Share of card transactions %  %  25  25 Total  Debit 20  20 Credit  15  15  10  10  5  5  0  M  J S 2020  D  M  J S 2021  D  M J 2022  0  Source: RBA  I would also like to highlight the fact that there are large differences in the payments costs incurred by small and large businesses (Graph 6).
Small businesses, on average, pay twice what large businesses pay to process the same transaction. While economies of scale explain some of this difference, they are not the full story.