Payments NZ is a governance organization at the heart of New Zealand's payments system, formed in 2010 with support from the Reserve Bank. It offers services such as the Bulk Electronic Clearing System (BECS), Consumer Electronic Clearing System (CECS), and High Value Clearing System (HVCS). The target audience includes financial institutions and organizations in the payments ecosystem. The unique selling proposition is its role in facilitating a progressive, self-governing industry that promotes innovation and confidence in New Zealand's payments system, ensuring it remains world-class[1][3][4].