It does not have to be violating your privacy. In India, we have IMPS as the immediate payment system. On top of this, the central bank has built UPI - which al

It does not have to be violating your privacy. In India, we have IMPS as the immediate payment system. On top of this, the central bank has built UPI - which allows mobile numbers for payments. But it also allows the use of "dummy" or "virtual" ids which can be used to mask your identity from the payer. There is no reason why this cannot be done in Australia also.