Mobile Commerce in Australia 2026: Trends, Payments & Policy Updates

The numbers speak for themselves: in the past 12 months, over 80% of online purchases in Australia were made via mobile devices, according to the latest ABS data. It’s not just about convenience—m-commerce is being fuelled by:

• 5G and Beyond: With widespread 5G coverage and early-stage 6G trials, mobile shopping is now lightning-fast and reliable, even in regional areas.

• Digital Wallet Adoption: Apple Pay, Google Wallet, and new players like CommBank Tap & Pay have made mobile payments seamless—whether online or in-store.

• Personalised Shopping: AI-driven apps tailor offers and recommendations, making mobile shopping both addictive and efficient.

• Buy Now, Pay Later (BNPL): BNPL usage continues to soar, especially among Gen Z and Millennials who prefer flexible payment options integrated directly into their favourite apps.

The government and regulators are responding to m-commerce’s explosive growth with new policies aimed at protecting consumers and promoting innovation:

• Stricter Data Privacy: The Privacy Act amendments in early 2026 require all mobile commerce platforms to offer clearer consent options, plain-language privacy disclosures, and rapid data deletion on request.

• BNPL Regulation: Following concerns over debt levels, ASIC now enforces tighter lending criteria and mandatory credit checks for BNPL providers operating in Australia. This has led to a wave of consolidation in the sector, with only the most responsible and well-capitalised platforms thriving.

• Open Banking Integration: The Consumer Data Right (CDR) regime has expanded to include more fintechs and retailers, empowering shoppers to share their financial data securely and access tailored offers and smarter money management tools—all via their mobiles.

Retailers are also upping their game:

• Augmented reality (AR) ‘try before you buy’ features are now standard in leading fashion and homewares apps.

• Instant checkout and one-click payments have slashed cart abandonment rates.

• Sustainability badges and carbon footprint calculators are integrated into shopping apps, helping consumers align spending with their values.

For consumers, mobile commerce offers unmatched convenience and choice—but also new challenges:

• Security: While biometric authentication and tokenised payments are making transactions safer, the rise of mobile scams means vigilance is still essential. The ACCC’s Scamwatch has reported a 30% increase in mobile-targeted scams this year, prompting new awareness campaigns.

• Budgeting: With shopping and spending just a tap away, impulse buying is on the rise. However, integrated budgeting tools in banking and retail apps are helping Aussies keep track of their finances in real time.

• Access: The digital divide is narrowing as telcos roll out more affordable mobile data plans and devices, but there’s still work to be done to ensure all Australians can participate in the mobile economy.

For small businesses and retailers, the message is clear: mobile-first is no longer optional. Those who invest in seamless, secure, and engaging mobile experiences are seeing rapid growth, while laggards risk being left behind.

• Coles & Woolworths: Both supermarkets now offer fully mobile-based loyalty programs, digital receipts, and AI-powered shopping lists that sync across devices.

  • Afterpay: The BNPL giant has rolled out a new app feature that tracks spending across all linked retailers, automatically alerting users if they’re approaching their set budget.

  • Australian Fintech Startups: Newcomers like Payble and Slyp are partnering with major banks and retailers to deliver instant bill-splitting, digital receipts, and loyalty rewards—all via a single app interface.

With ongoing policy innovation, rapid tech advances, and a digital-savvy population, Australia is set to remain a global leader in mobile commerce. Expect to see even more frictionless payments, hyper-personalised shopping, and tighter consumer protections over the next year.