FYI the Australian Payments Clearing Association is building a new payments platform to enable instant transfers and is expected to be operational by the second half of 2017:<p><a href="http:&#x2F;&#x2F;www.apca.com.au&#x2F;about-payments&#x2F;future-of-payments&#x2F;new-payments-platform-phases-1-2" rel="nofollow">http:&#x2F;&#x2F;www.apca.com.au&#x2F;about-payments&#x2F;future-of-payments&#x2F;new...</a>