Blame the banks for stunting NPP/Osko rollout. The big 4 had five years yet they decided to rush the rollout just this year. Props to Cuscal for doing it right at least. Minor independent banks/credit union had little to no support from NPP which is why the delayed rollouts occured (ala Heritage).
Me Bank, Citibank and HSBC both delayed because backends are horrendous. Macquarie and UBank idk why.
Sending an Osko payment requires both banks to have Osko enabled which requires both banks to be linked to the New Payment Platform. You do not need a seperate app to send an Osko payment.
Sending a single credit transfer requires both banks to be linked to the New Payments Platform. You do not need a seperate app to send a SCT payment.
This creates a problem with banks who don't support sending SCTs such as Westpac and Up and banks who just support SCT such as Bankwest and Heritage.
🤷🏻♂️ Our payment system currently is still a mess until every bank and credit union is linked to the New Payments Platform.
The big 4 have limitations on sending an Osko payment. You can read it up here:
https://docs.google.com/spreadsheets/d/1Qq-QlZEp-HbX6eXAH5TMtHnZVN8rhAi6xBGGNFXRb9U