Imagine finding that your bank balance has a couple more zeros on the end of it than it did the day before - but the money isn't yours. Do you have to pay it back?
Four years on from the banking royal commission, the final reforms will be introduced to parliament this week, a move financial services minister Stephen Jones says is "long overdue".
Internet banking is supposed to make it easy to move money, but if you slip up and transfer it to the wrong account, getting it back can be impossible.
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