In this week's Finance News Wrap, we discuss the Australian tax season including tips from the ATO and CPA Australia on the benefits of patience when lodging returns. Early submission does not necessarily speed up refunds and can lead to costly errors. Furthermore, we cover the struggles of Generation X with retirement planning due to inflation and public debt, and their growing preference for digital solutions. On another note, Australian businesses are experiencing a 43% hike in card scheme fees, despite card usage only increasing by 16%. The Reserve Bank of Australia is considering measures to combat these fees, but the issue of transparency persists. In the field of cryptocurrency, the ASIC continues to crack down on regulatory breaches. Lastly, we discuss a case involving Block Earner, a registered digital currency exchange found offering unlicensed services.