Graph 8  Online Share of Retail Sales %  %  10  10  8  8  6  6  4  4  2  2  0  2014 Sources: ABS; RBA  2016  2018  2020  0  The shift to doing things differently is also evident in the payments data, where there has been a marked increase in the use of electronic forms of payment.
On the European stage, the lessons of the global banking crisis resulted in an overhaul of regulation, supervision and resolution that has started unfolding at the end of 2013.