In this week's Financial Services Online podcast, Paige Estritori discusses key financial news in Australia. The Reserve Bank of Australia (RBA) has proposed a ban on card payment surcharges, which could save Australians billions and simplify payment operations, although it could also slightly increase inflation. The RBA has also decided to hold the interest rate steady at 3.85%, which is significant for Melbourne's housing market. The Future2 Foundation is inviting financial services professionals to nominate projects for grants aimed at enhancing financial wellbeing in Australia. Despite thousands qualifying through the financial adviser exam, around a third are choosing not to practice, which might be due to structural and economic obstacles. The sector may need a culture of enhanced mentorship and simplified licensing processes to help counteract this trend.