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PayPal is far more dominant in online payments in the US than Australia where traditional players have defended the market. Geoff Livingston/Flickr

Fintech might be hot right now, but banks are still winning

Venture capital money is starting to flow into Australian fintech, but success will largely be based on whether new players can innovate in areas where bank's aren't.
Why did Penn State take so long to disclose the breach? Laptop image via www.shutterstock.com

Penn State hack exposes theft risk of student personal data

The recent cyber attacks at Penn State have put personal information of 18,000 students in the hands of hackers. What should universities do to protect students' privacy?
While Microsoft, Google and Apple have had to answer questions in Canberra about whether they meet their tax obligations, their media activities seemingly defy regulation. AAP/Nikki Short

It’s time for Australians to rewind the media policy machine

Current regulations are a complete mismatch for today's media practices and structures. While politicians shy from the debate, it's time to heed public opinion and revisit the Finkelstein Report.
They came in like a wrecking ball… online firms like YouTube, Spotify and Apple have fundamentally changed the way we consume. But whose rights are protected? AAP Image/Julian Smith

Shift to online music underscores power of a handful of tech giants

The sheer market power concentrated in the hands of such few online companies represents a formidable hurdle to fair competition.

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