An inquiry into mobile payment and digital wallet financial services, with particular reference to the following:

1. the nature of commercial relationships and business models, including any imbalance in bargaining power, operating between providers of mobile payment digital wallet services and:
   1. providers of financial services in Australia;
   2. merchants and vendors; and
   3. consumers;
2. differences between commercial relationships in Australia and other jurisdictions;
3. the implications for competition and consumer protection;
4. the adequacy, performance and international comparison of Australian legislation, regulations, self-regulation, industry codes, standards and dispute resolution arrangements; and
5. any related matter.