{"text_format":"1","workbook":"xlsx","n_sheets":12,"sheets":["Instructions","Definitions","Unauthorised transactions","^Commentary to 'Other' channel","Complaints","A. Card UTs","B. Banking UTs","C. Other UTs","D. Complaints by timeframe","E. Complaints by reason","F. Totals","ABN check"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Instructions","index":0,"n_rows":34,"n_cols":14,"rows_kept":34,"cut":false,"hidden":false,"merged":[[30,2,31,2],[13,2,13,3]]}
[]
[]
[null,null,"ePayments Code Compliance Reporting",null,{"$f":"IF(OR(E16<>\"\",E18<>\"\",E20<>\"\",F26<>\"\",F27<>\"\",F28<>\"\",D26<>\"OK\",D27<>\"OK\",D28<>\"OK\",D30<>\"\",D33<>\"\",D34<>\"\",'Unauthorised transactions'!Z5<>0,Complaints!Z6<>0),\"Your submission may contain errors. Please check error messages before submitting.\",\"\")","v":"Your submission may contain errors. Please check error messages before submitting."}]
[]
[null,null,"The data collection period starts on 1 January 2017 and ends on 31 December 2017. The report needs to be lodged with ASIC by 1 March 2018"]
[]
[null,null,"ASIC has provided guidance for this report on its website (Information Sheet 195)"]
[null,null,"Please read these instructions prior to completing the spreadsheet to ensure that it is completed correctly. "]
[null,null," All cells are to be completed. No cells should be left blank. For numerical entries enter numbers only and whole amounts, e.g. not $M or $'000s."]
[]
[null,null,"Enter data into the orange shaded cells ->",null,null,null,null,null,null,null,null,null,null,"<please select>"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Bank"]
[null,null,"Subscriber Details",null,null,null,null,null,null,null,null,null,null,"Mutual/Credit Union"]
[null,null,"Please fill in the information below about your organisation. Please note that this demographic information WILL NOT be released publicly - ASIC will only provide some benchmarking information to industry on a de-identified, aggregated basis. The information is for internal ASIC use only.",null,null,null,null,null,null,null,null,null,null,"Other ADI"]
[]
[null,null,"Subscriber name","<please enter>",{"$f":"IF(D16=\"<please enter>\",\"ERROR: Please Enter Subscriber Name\",\"\")","v":"ERROR: Please Enter Subscriber Name"}]
[]
[null,null,"Subscriber ABN/ACN","<please enter>",{"$f":"IF(ISERROR('ABN check'!D19),\"ERROR: Incorrect ABN/ACN. Please Check\",IF('ABN check'!D19<>0,\"ERROR: Incorrect ABN/ACN. Please Check\",\"\"))","v":"ERROR: Incorrect ABN/ACN. Please Check"}]
[]
[null,null,"Entity Type (select from drop-down list)","<please select>",{"$f":"IF(D20=\"<please select>\",\"ERROR: Please Select Entity Type\",\"\")","v":"ERROR: Please Select Entity Type"}]
[]
[null,null,"Reporting Year (the year to which the data relates)",2017]
[]
[]
[null,null,"Checks:","Unauthorised Transactions","Total Transactions"]
[null,null,"Table A",{"$f":"IF(SUM('Unauthorised transactions'!C18:F18)=0,\"Check: Table A has no unauthorised transactions\",IF(F26=\"\",\"OK\",\"ERROR\"))","v":"Check: Table A has no unauthorised transactions"},{"$f":"IF(SUM('Unauthorised transactions'!C19:F19)=0,\"Check: Table A has zero Total Transactions\",IF(F26=\"\",\"OK\",\"ERROR\"))","v":"Check: Table A has zero Total Transactions"},{"$f":"IF('Unauthorised transactions'!C21=\"\",\"\",\"ERROR: Check Table A. Unauthorised Transactions\")","v":""}]
[null,null,"Table B",{"$f":"IF(SUM('Unauthorised transactions'!C36:P36)=0,\"Check: Table B has no unauthorised transactions\",IF(F27=\"\",\"OK\",\"ERROR\"))","v":"Check: Table B has no unauthorised transactions"},{"$f":"IF(SUM('Unauthorised transactions'!C37:P37)=0,\"Check: Table B has zero Total Transactions\",IF(F27=\"\",\"OK\",\"ERROR\"))","v":"Check: Table B has zero Total Transactions"},{"$f":"IF('Unauthorised transactions'!C39=\"\",\"\",\"ERROR: Check Table B. Unauthorised Transactions\")","v":""}]
[null,null,"Table C",{"$f":"IF(SUM('Unauthorised transactions'!C57:J57)=0,\"Check: Table C has no unauthorised transactions\",IF(F28=\"\",\"OK\",\"ERROR\"))","v":"Check: Table C has no unauthorised transactions"},{"$f":"IF(SUM('Unauthorised transactions'!C58:J58)=0,\"Check: Table C has zero Total Transactions\",IF(F28=\"\",\"OK\",\"ERROR\"))","v":"Check: Table C has zero Total Transactions"},{"$f":"IF('Unauthorised transactions'!C61=\"\",\"\",\"ERROR: Check Table C. Unauthorised Transactions\")","v":""}]
[]
[null,null,"Table C 'Other' Channel commentary",{"$f":"IF(AND(SUM('Unauthorised transactions'!I47:J56,'Unauthorised transactions'!I58:J58)>0,T('^Commentary to ''Other'' channel'!A4:B6)=\"\"),\"Please add commentary for Other channel in Table C\",\"\")","v":""}]
[null,null,"Complaints",{"$f":"IF(SUM(Complaints!C14:T14)=0,\"Check: Table D has no complaints\",IF(D34=\"\",\"OK\",\"ERROR\"))","v":"Check: Table D has no complaints"}]
[null,null,null,{"$f":"IF(SUM(Complaints!C27:T27)=0,\"Check: Table E has no complaints\",IF(D34=\"\",\"OK\",\"ERROR\"))","v":"Check: Table E has no complaints"}]
[null,null,null,{"$f":"IF(Complaints!$E$18=\"\",\"Please indicate if Complaints include those resolved within 5 business days\",\"\")","v":"Please indicate if Complaints include those resolved within 5 business days"}]
[null,null,null,{"$f":"IF(SUM(Complaints!$C$14:$T$14)=SUM(Complaints!$C$27:$T$27),\"\",\"ERROR: Total Number of Complaints in Tables D and E are different\")","v":""}]

{"sheet":"Definitions","index":1,"n_rows":46,"n_cols":3,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
["DEFINITIONS"]
[]
["Channels - Credit and Debit Card Initiated Unauthorised Transactions",null,"Examples of transaction "]
["ATM","Payment channel using an automated teller machine.","Cash withdrawals, deposits, money transfers between linked accounts, payments to other accounts."]
["POS","Point of sale channel for credit and debit card transactions, for face-to-face and remote payments.","Credit / debit card transactions made face-to-face, mail order, telephone order and over the internet."]
[]
[]
["Channels - Internet Banking and Telephone Banking (non-cards) Unauthorised Transactions",null,"Examples of transaction "]
["Internet banking ","Retail banking self-service channel available using an internet browser, direct to user.","PayAnyone, BPAY transactions made using internet banking facility accessed via the subscriber's website."]
["Mobile applications banking","Retail self-service banking channel accessed using a dedicated mobile application from a smart-phone or other mobile device, direct to user.","PayAnyone, BPAY transactions made using a dedicated mobile application from a smart-phone or other mobile device.  Does not include internet banking transactions (made using smart-phone or other mobile device) where the user is accessing the facility via a website."]
["Telephone banking","Self-service banking channel available using Interactive Voice Response (IVR) technology.","BPAY transactions made using a dedicated telephone banking facility."]
[]
[]
["Channels - Other Card (Non-Credit/Debit) Initiated and Other Non-banking Unauthorised Transactions",null,"Examples of transaction "]
["Face-to-face POS","Point of sale channel for transactions where payments are made face-to-face.","Stored value (e.g. gift card, travel card, transport/retail smart card) transactions made face-to-face."]
["Internet ","Payment channel available using an internet browser, not combined with the use of credit or debit cards.","Transactions made using PayPal's stored account balance."]
["Mobile telco network","Payment channel accessed using mobile telecommunication networks.","Transactions made using SMS (charges taken out of prepaid credit or added to postpay bill)."]
["Other","Channels not captured by other categories.","TBA."]
[]
[]
["Payment Types"]
["BPAY","Payment made via the BPAY payment scheme using a Biller Code and Transaction Reference Number."]
["PayAnyone - other FI","Payment made to a payee at a different FI.  "]
["PayAnyone - same FI","Payment made to a 3rd party payee within the same FI."]
[]
[]
["Reasons"]
["Card Not Present","Transactions performed remotely (e.g. over the internet, MOTO) without the authorisation of a user."]
["Counterfeit / Skimming","A form of fraud involving the practice of forgery or illegal copying of information in order to steal money from the account of a user."]
["Fraudulent Application","A form of fraud where an imposter assumed the identity of a user when making an application for a product or facility.  "]
["ID Takeover","The capture and use by a fraudster of sufficient user identity information to pass standard authentication process and, in some cases, change log-on credentials.  It does not include Fraudulent Applications."]
["Lost / Stolen","Transactions performed when a user does not have the payment device either because it is lost or stolen."]
["Malware","An infection of a user's computer / device resulting in the compromise of either their logon credentials or online transaction session."]
["Never Received","Transactions performed without the user ever receiving the payment device."]
["Phishing","A form of fraud involving the use of social engingeering (e.g. electronic communications, phone calls), purporting to be from a legitimate business, to elicit personal information from the user."]
["Phone Porting","A form of fraud where a fraudster enacts a phone porting or SIM re-issue (lost SIM) request at a telecommunication company, resuting in their obtaining access to the user's mobile  phone service . This allows the fraudster to obtain security SMS sent to the mobile number, thereby bypassing online security measures for making fund transfers to 3rd parties.  It is typically used in conjunction with malware, phishing or ID takeover."]
["System / Equipment malfunction","Technical glitches resulting in transactions being performed without the authorisation of a user."]
["Other","Reasons not captured by other categories."]
[]
[]
["Other"]
["Account","An account maintained by a subscriber that belongs to an identifiable holder who is a customer of the subscriber."]
["Complaint","An expression of dissatisfaction made to an organisation, related to its products or services, or the complaints handling process itself, where a response or resolution is explicitly or implicitly implied. In the context of this report, a complaint does not include a report/claim by a user that an unauthorised transaction has occurred. Rather, our interest is in complaints made about a subscriber's handling of, or response to, a report/claim."]
["User","A holder or an individual who is authorised by a subscriber and a holder to perform transactions using a facility held by the holder. In the case of transferable prepaid facilities, the person who receives the facility is a user."]
["Total Unauthorised Transactions","Total number of transactions where the transactions were not authorised by the user."]
["Total Transactions","Total number of transactions processed by subscriber (including both authorised and unauthorised)."]

{"sheet":"Unauthorised transactions","index":2,"n_rows":64,"n_cols":26,"rows_kept":64,"cut":false,"hidden":false,"merged":[[5,1,5,5],[7,4,7,5],[24,1,24,13],[26,2,26,7],[26,8,26,13],[8,2,8,3],[26,14,26,15],[27,2,27,3],[27,4,27,5],[27,6,27,7],[27,8,27,9],[27,10,27,11],[27,12,27,13],[27,14,27,15],[44,8,44,9],[44,6,44,7],[44,4,44,5],[44,2,44,3],[42,1,42,13],[44,10,44,11]]}
[]
[null,"Please enter numbers only and whole amounts, e.g. not $M or $'000s"]
[]
[null,{"$f":"Instructions!$E$3","v":"Your submission may contain errors. Please check error messages before submitting."}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Z11:Z64)","v":44}]
[null,"A. Credit and Debit Card Initiated Unauthorised Transactions"]
[null,null,{"$f":"IF($Z10<>0,\"ERROR: All cells are to be completed. No cell should be left blank\",\"\")","v":"ERROR: All cells are to be completed. No cell should be left blank"}]
[null,null,"POS (includes remote",null,"ATM"]
[null,null,"transactions)"]
[null,null,"#","$","#","$",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Z11:Z19)","v":8}]
[null,"Lost / Stolen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C11=\"\",D11=\"\",E11=\"\",F11=\"\"),1,0)","v":1}]
[null,"Never Received",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Counterfeit / Skimming",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Fraudulent Application",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Card Not Present (CNP)*",null,null,"N/A","N/A",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"System / Equipment malfunction",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Other ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Total Unauthorised Transactions",{"$f":"SUM(C11:C17)","v":0},{"$f":"SUM(D11:D17)","v":0},{"$f":"SUM(E11:E17)","v":0},{"$f":"SUM(F11:F17)","v":0}]
[null,"Total number of transactions processed by subscriber (incl. both authorised and unauthorised)**",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C19=\"\",D19=\"\",E19=\"\",F19=\"\"),1,0)","v":1}]
[null,null,{"$f":"IF(OR(T(C11)<>\"\",T(C12)<>\"\",T(C13)<>\"\",T(C14)<>\"\",T(C15)<>\"\",T(C16)<>\"\",T(C17)<>\"\",T(C19)<>\"\"),\"ERROR\",IF(C18>C19,\"ERROR\",\"\"))","v":""},{"$f":"IF(OR(T(D11)<>\"\",T(D12)<>\"\",T(D13)<>\"\",T(D14)<>\"\",T(D15)<>\"\",T(D16)<>\"\",T(D17)<>\"\",T(D19)<>\"\"),\"ERROR\",IF(D18>D19,\"ERROR\",\"\"))","v":""},{"$f":"IF(OR(T(E11)<>\"\",T(E12)<>\"\",T(E13)<>\"\",T(E14)<>\"\",T(E16)<>\"\",T(E17)<>\"\",T(E19)<>\"\"),\"ERROR\",IF(E18>E19,\"ERROR\",\"\"))","v":""},{"$f":"IF(OR(T(F11)<>\"\",T(F12)<>\"\",T(F13)<>\"\",T(F14)<>\"\",T(F16)<>\"\",T(F17)<>\"\",T(F19)<>\"\"),\"ERROR\",IF(F18>F19,\"ERROR\",\"\"))","v":""}]
[null,"* Reason is applicable to Scheme Cards only",{"$f":"IF(OR(C24=1,D24=1,E24=1,F24=1),\"PLEASE ENTER NUMERIC VALUES ONLY\",IF(OR(C24=2,D24=2,E24=2,F24=2),\"PLEASE CHECK: Total Unauthorised Transactions are greater than Total Transactions\",\"\"))","v":""}]
[null,"** This allows us to understand the proportion of unauthorised transactions compared to the total number of transactions your organisation processed."]
[]
[null,null,{"$f":"IF(OR(T(C11)<>\"\",T(C12)<>\"\",T(C13)<>\"\",T(C14)<>\"\",T(C15)<>\"\",T(C16)<>\"\",T(C17)<>\"\",T(C19)<>\"\"),1,IF(C18>C19,2,0))","v":0},{"$f":"IF(OR(T(D11)<>\"\",T(D12)<>\"\",T(D13)<>\"\",T(D14)<>\"\",T(D15)<>\"\",T(D16)<>\"\",T(D17)<>\"\",T(D19)<>\"\"),1,IF(D18>D19,2,0))","v":0},{"$f":"IF(OR(T(E11)<>\"\",T(E12)<>\"\",T(E13)<>\"\",T(E14)<>\"\",T(E16)<>\"\",T(E17)<>\"\",T(E19)<>\"\"),1,IF(E18>E19,2,0))","v":0},{"$f":"IF(OR(T(F11)<>\"\",T(F12)<>\"\",T(F13)<>\"\",T(F14)<>\"\",T(F16)<>\"\",T(F17)<>\"\",T(F19)<>\"\"),1,IF(F18>F19,2,0))","v":0}]
[null,"B. Internet Banking and Telephone Banking (non-cards)  Unauthorised Transactions"]
[null,null,{"$f":"IF($Z29<>0,\"ERROR: All cells are to be completed. No cell should be left blank\",\"\")","v":"ERROR: All cells are to be completed. No cell should be left blank"}]
[null,null,"Internet banking",null,null,null,null,null,"Mobile applications banking",null,null,null,null,null,"Telephone banking"]
[null,null,"Pay Anyone Same FI",null,"Pay Anyone Other FI",null,"BPAY",null,"Pay Anyone Same FI",null,"Pay Anyone Other FI",null,"BPAY",null,"BPAY"]
[null,null,"#","$","#","$","#","$","#","$","#","$","#","$","#","$",null,null,null,null,null,null,null,null,null,{"$f":"SUM(Z30:Z37)","v":7}]
[null,"Malware",null,null,null,null,null,null,null,null,null,null,null,null,"N/A","N/A",null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C30=\"\",D30=\"\",E30=\"\",F30=\"\",G30=\"\",H30=\"\",I30=\"\",J30=\"\",K30=\"\",L30=\"\",M30=\"\",N30=\"\",O30=\"\",P30=\"\"),1,0)","v":1}]
[null,"Phishing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"ID Takeover",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Phone Porting",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"System / Equipment malfunction",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Other",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Total Unauthorised Transactions",{"$f":"SUM(C30:C35)","v":0},{"$f":"SUM(D30:D35)","v":0},0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Total number of transactions processed by subscriber (incl. both authorised and unauthorised)**",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C37=\"\",D37=\"\",E37=\"\",F37=\"\",G37=\"\",H37=\"\",I37=\"\",J37=\"\",K37=\"\",L37=\"\",M37=\"\",N37=\"\",O37=\"\",P37=\"\"),1,0)","v":1}]
[null,null,{"$f":"IF(OR(T(C30)<>\"\",T(C31)<>\"\",T(C32)<>\"\",T(C33)<>\"\",T(C34)<>\"\",T(C35)<>\"\",T(C37)<>\"\"),\"ERROR\",IF(C36>C37,\"ERROR\",\"\"))","v":""},"","","","","","","","","","","",{"$f":"IF(OR(T(O31)<>\"\",T(O32)<>\"\",T(O33)<>\"\",T(O34)<>\"\",T(O35)<>\"\",T(O37)<>\"\"),\"ERROR\",IF(O36>O37,\"ERROR\",\"\"))","v":""},{"$f":"IF(OR(T(P31)<>\"\",T(P32)<>\"\",T(P33)<>\"\",T(P34)<>\"\",T(P35)<>\"\",T(P37)<>\"\"),\"ERROR\",IF(P36>P37,\"ERROR\",\"\"))","v":""}]
[null,null,{"$f":"IF(OR(C42=1,D42=1,E42=1,F42=1,G42=1,H42=1,I42=1,J42=1,K42=1,L42=1,M42=1,N42=1,O42=1,P42=1),\"PLEASE ENTER NUMERIC VALUES ONLY\",IF(OR(C42=2,D42=2,E42=2,F42=2,G42=2,H42=2,I42=2,J42=2,K42=2,L42=2,M42=2,N42=2,O42=2,P42=2),\"PLEASE CHECK: Total Unauthorised Transactions are greater than Total Transactions\",\"\"))","v":""}]
[null,"** This allows us to understand the proportion of unauthorised transactions compared to the total number of transactions your organisation processed."]
[]
[null,null,{"$f":"IF(OR(T(C30)<>\"\",T(C31)<>\"\",T(C32)<>\"\",T(C33)<>\"\",T(C34)<>\"\",T(C35)<>\"\",T(C37)<>\"\"),1,IF(C36>C37,2,0))","v":0},{"$f":"IF(OR(T(D30)<>\"\",T(D31)<>\"\",T(D32)<>\"\",T(D33)<>\"\",T(D34)<>\"\",T(D35)<>\"\",T(D37)<>\"\"),1,IF(D36>D37,2,0))","v":0},0,0,0,0,0,0,0,0,0,0,{"$f":"IF(OR(T(O31)<>\"\",T(O32)<>\"\",T(O33)<>\"\",T(O34)<>\"\",T(O35)<>\"\",T(O37)<>\"\"),1,IF(O36>O37,2,0))","v":0},{"$f":"IF(OR(T(P31)<>\"\",T(P32)<>\"\",T(P33)<>\"\",T(P34)<>\"\",T(P35)<>\"\",T(P37)<>\"\"),1,IF(P36>P37,2,0))","v":0}]
[null,"C. Other Card (Non-Credit/Debit) Initiated and Other Non-banking Unauthorised Transactions"]
[null,null,{"$f":"IF($Z46<>0,\"ERROR: All cells are to be completed. No cell should be left blank\",\"\")","v":"ERROR: All cells are to be completed. No cell should be left blank"}]
[null,null,"Mobile telco network",null,"Internet",null,"Face-to-face POS",null,"Other^"]
[null,null,"#","$","#","$","#","$","#","$",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Z47:Z58)","v":11}]
[null,"Lost / Stolen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C47=\"\",D47=\"\",E47=\"\",F47=\"\",G47=\"\",H47=\"\",I47=\"\",J47=\"\"),1,0)","v":1}]
[null,"Never Received",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C48=\"\",D48=\"\",E48=\"\",F48=\"\",G48=\"\",H48=\"\",I48=\"\",J48=\"\"),1,0)","v":1}]
[null,"Counterfeit / Skimming",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Fraudulent Application",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Malware",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Phishing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"ID Takeover",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Phone Porting",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"System / Equipment malfunction",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Other ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Total Unauthorised Transactions",{"$f":"SUM(C47:C56)","v":0},{"$f":"SUM(D47:D56)","v":0},0,0,0,0,0,0]
[null,"Total number of transactions processed by subscriber (incl. both authorised and unauthorised)**",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"IF(OR(T(C47)<>\"\",T(C48)<>\"\",T(C49)<>\"\",T(C50)<>\"\",T(C51)<>\"\",T(C52)<>\"\",T(C53)<>\"\",T(C54)<>\"\",T(C55)<>\"\",T(C56)<>\"\",T(C58)<>\"\"),\"ERROR\",IF(C57>C58,\"ERROR\",\"\"))","v":""},"","","","","","",""]
[null,"** This allows us to understand the proportion of unauthorised transactions compared to the total number of transactions your organisation processed."]
[null,null,{"$f":"IF(OR(C62=1,D62=1,E62=1,F62=1,G62=1,H62=1,I62=1,J62=1),\"PLEASE ENTER NUMERIC VALUES ONLY\",IF(OR(C62=2,D62=2,E62=2,F62=2,G62=2,H62=2,I62=2,J62=2),\"PLEASE CHECK: Total Unauthorised Transactions are greater than Total Transactions\",\"\"))","v":""}]
[null,null,{"$f":"IF(OR(T(C47)<>\"\",T(C48)<>\"\",T(C49)<>\"\",T(C50)<>\"\",T(C51)<>\"\",T(C52)<>\"\",T(C53)<>\"\",T(C54)<>\"\",T(C55)<>\"\",T(C56)<>\"\",T(C58)<>\"\"),1,IF(C57>C58,2,0))","v":0},{"$f":"IF(OR(T(D47)<>\"\",T(D48)<>\"\",T(D49)<>\"\",T(D50)<>\"\",T(D51)<>\"\",T(D52)<>\"\",T(D53)<>\"\",T(D54)<>\"\",T(D55)<>\"\",T(D56)<>\"\",T(D58)<>\"\"),1,IF(D57>D58,2,0))","v":0},0,0,0,0,0,0]
[null,"^ Item for your response","Response"]
[null,"If you use the \"Other\" column in Table C, tell us:\n1. what payment facilities are included in this category, and\n2. why they are not captured by the other payment channel categories.","Use ^Commentary to 'Other' channel sheet"]

{"sheet":"^Commentary to 'Other' channel","index":3,"n_rows":3,"n_cols":2,"rows_kept":3,"cut":false,"hidden":false,"merged":[]}
["^ If you use the 'Other' payment channel category in Table C:"]
[]
["Payment facility included in 'Other'","Corresponding reason(s) why the facility is captured under this category"]

{"sheet":"Complaints","index":4,"n_rows":42,"n_cols":27,"rows_kept":42,"cut":false,"hidden":false,"merged":[[8,12,8,13],[8,14,8,15],[8,16,8,17],[8,18,8,19],[22,12,22,13],[22,14,22,15],[22,16,22,17],[22,18,22,19],[6,1,6,11],[8,2,8,3],[8,4,8,5],[8,8,8,9],[8,10,8,11],[8,6,8,7],[16,1,16,3],[17,1,17,3],[20,1,20,11],[22,2,22,3],[22,4,22,5],[22,8,22,9],[22,10,22,11],[22,6,22,7]]}
[null,null,{"$f":"Instructions!$E$3","v":"Your submission may contain errors. Please check error messages before submitting."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Included"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Excluded"]
[null,"NOTE: A complaint is an expression of dissatisfaction made to an organisation, related to its products or services, or the complaints handling process itself, where a response or resolution is explicitly or implicitly implied. "]
[null,"In the context of this report, a complaint does not include a report/claim by a user that an unauthorised transaction has occurred. Rather, our interest is in complaints made about a subscriber's handling of, or response to, a report/claim."]
[null,"Please enter the total number of instances and not the dollar amounts of the complaints in Table D and Table E.  Please indicate your response in cell D18."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Z10:Z26)","v":10}]
[null,"D. Unauthorised Transaction Complaints By Timeframe"]
[null,null,"Please enter the total number of instances and not the dollar amounts of the complaints.",null,null,null,null,null,null,{"$f":"IF($Z10<>0,\"ERROR: All cells are to be completed. No cell should be left blank\",\"\")","v":"ERROR: All cells are to be completed. No cell should be left blank"}]
[null,null,"Internet Banking",null,"Telephone Banking",null,"Mobile App Banking",null,"POS (includes remote transactions)",null,"ATM",null,"Mobile telco network",null,"Internet",null,"Face-to-face POS",null,"Other "]
[null,null,"Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation",null,null,null,null,null,{"$f":"SUM(Z11:Z13)","v":3}]
[null,"Resolved under 21 calendar days*^",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C11=\"\",D11=\"\",E11=\"\",F11=\"\",G11=\"\",H11=\"\",I11=\"\",J11=\"\",K11=\"\",L11=\"\",M11=\"\",N11=\"\",O11=\"\",P11=\"\",Q11=\"\",R11=\"\",S11=\"\",T11=\"\"),1,0)","v":1}]
[null,"Resolved between 22 - 45 calendar days",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C12=\"\",D12=\"\",E12=\"\",F12=\"\",G12=\"\",H12=\"\",I12=\"\",J12=\"\",K12=\"\",L12=\"\",M12=\"\",N12=\"\",O12=\"\",P12=\"\",Q12=\"\",R12=\"\",S12=\"\",T12=\"\"),1,0)","v":1}]
[null,"Resolved after 45 calendar days",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Total Unauthorised Complaints",{"$f":"SUM(C11:C13)","v":0},{"$f":"SUM(D11:D13)","v":0},{"$f":"SUM(E11:E13)","v":0},{"$f":"SUM(F11:F13)","v":0},0,{"$f":"SUM(H11:H13)","v":0},0,{"$f":"SUM(J11:J13)","v":0},0,{"$f":"SUM(L11:L13)","v":0},0,{"$f":"SUM(N11:N13)","v":0},0,{"$f":"SUM(P11:P13)","v":0},0,0,0,0]
[null,"* Excludes complaints resolved to the customer's satisfaction within 5 business days ",{"$f":"IF(C$14<>C$27,\"ERROR\",\"\")","v":""},{"$f":"IF(D$14<>D$27,\"ERROR\",\"\")","v":""},"","","","","","","","","","","","","","","",""]
[null,null,null,null,null,null,{"$f":"IF(SUM(Complaints!$C$14:$T$14)=SUM(Complaints!$C$27:$T$27),\"\",\"ERROR: Total Number of Complaints in Tables D and E are different\")","v":""}]
[null,"^ Item for your response",null,null,"Response"]
[null,"We understand that some subscribers would like to include complaints that are resolved to the customer's satisfaction within 5 business days.  If you have included complaints that are resolved to the customer's satisfaction within 5 business days into the data for complaints that are resolved under 21 calendar days, please say 'Included' in the next field. If you have not, please say 'Excluded'.",null,null,null,{"$f":"IF(Complaints!$E$18=\"\",\"Please indicate if Complaints include those resolved within 5 business days\",\"\")","v":"Please indicate if Complaints include those resolved within 5 business days"}]
[]
[]
[null,"E. Unauthorised Transaction Complaints By Reason"]
[null,null,"Please enter the total number of instances and not the dollar amounts of the complaints.",null,null,null,null,null,null,{"$f":"IF($Z24<>0,\"ERROR: All cells are to be completed. No cell should be left blank\",\"\")","v":"ERROR: All cells are to be completed. No cell should be left blank"}]
[null,null,"Internet Banking",null,"Telephone Banking",null,"Mobile App Banking",null,"POS (includes remote transactions)",null,"ATM",null,"Mobile telco network",null,"Internet",null,"Face-to-face POS",null,"Other"]
[null,null,"Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation","Compensation ","No Compensation",null,null,null,null,null,{"$f":"SUM(Z25:Z26)","v":2}]
[null,"Fraudulent Transactions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(C25=\"\",D25=\"\",E25=\"\",F25=\"\",G25=\"\",H25=\"\",I25=\"\",J25=\"\",K25=\"\",L25=\"\",M25=\"\",N25=\"\",O25=\"\",P25=\"\",Q25=\"\",R25=\"\",S25=\"\",T25=\"\"),1,0)","v":1}]
[null,"Other Unauthorised Transactions \n(i.e. Non-fraudulent)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Total Unauthorised Complaints",{"$f":"SUM(C25:C26)","v":0},{"$f":"SUM(D25:D26)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,{"$f":"IF(C$14<>C$27,\"ERROR\",\"\")","v":""},{"$f":"IF(D$14<>D$27,\"ERROR\",\"\")","v":""},"","","","","","","","","","","","","","","",""]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,{"$f":"IF(SUM(Complaints!$C$14:$T$14)=SUM(Complaints!$C$27:$T$27),\"\",\"ERROR: Total Number of Complaints in Tables D and E are different\")","v":""}]

{"sheet":"A. Card UTs","index":5,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":true,"merged":[]}
["Entity Name","Entity Type","Year","POS/ATM","Transaction Type","#","$"]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Lost / Stolen",{"$f":"'Unauthorised transactions'!C11","v":0},{"$f":"'Unauthorised transactions'!D11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Never Received",{"$f":"'Unauthorised transactions'!C12","v":0},{"$f":"'Unauthorised transactions'!D12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Counterfeit / Skimming",{"$f":"'Unauthorised transactions'!C13","v":0},{"$f":"'Unauthorised transactions'!D13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Fraudulent Application",{"$f":"'Unauthorised transactions'!C14","v":0},{"$f":"'Unauthorised transactions'!D14","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Card Not Present (CNP)*",{"$f":"'Unauthorised transactions'!C15","v":0},{"$f":"'Unauthorised transactions'!D15","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!C16","v":0},{"$f":"'Unauthorised transactions'!D16","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"POS","Other ",{"$f":"'Unauthorised transactions'!C17","v":0},{"$f":"'Unauthorised transactions'!D17","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Lost / Stolen",{"$f":"'Unauthorised transactions'!E11","v":0},{"$f":"'Unauthorised transactions'!F11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Never Received",{"$f":"'Unauthorised transactions'!E12","v":0},{"$f":"'Unauthorised transactions'!F12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Counterfeit / Skimming",{"$f":"'Unauthorised transactions'!E13","v":0},{"$f":"'Unauthorised transactions'!F13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Fraudulent Application",{"$f":"'Unauthorised transactions'!E14","v":0},{"$f":"'Unauthorised transactions'!F14","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Card Not Present (CNP)*",{"$f":"'Unauthorised transactions'!C24","v":0},{"$f":"'Unauthorised transactions'!D24","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!E16","v":0},{"$f":"'Unauthorised transactions'!F16","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"ATM","Other ",{"$f":"'Unauthorised transactions'!E17","v":0},{"$f":"'Unauthorised transactions'!F17","v":0}]

{"sheet":"B. Banking UTs","index":6,"n_rows":42,"n_cols":8,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
["Entity Name","Entity Type","Year","Channel","Sub-type","Transaction type","#","$"]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","Malware",{"$f":"'Unauthorised transactions'!C30","v":0},{"$f":"'Unauthorised transactions'!D30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","Phishing",{"$f":"'Unauthorised transactions'!C31","v":0},{"$f":"'Unauthorised transactions'!D31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","ID Takeover",{"$f":"'Unauthorised transactions'!C32","v":0},{"$f":"'Unauthorised transactions'!D32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","Phone Porting",{"$f":"'Unauthorised transactions'!C33","v":0},{"$f":"'Unauthorised transactions'!D33","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!C34","v":0},{"$f":"'Unauthorised transactions'!D34","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone same FI","Other",{"$f":"'Unauthorised transactions'!C35","v":0},{"$f":"'Unauthorised transactions'!D35","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","Malware",{"$f":"'Unauthorised transactions'!E30","v":0},{"$f":"'Unauthorised transactions'!F30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","Phishing",{"$f":"'Unauthorised transactions'!E31","v":0},{"$f":"'Unauthorised transactions'!F31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","ID Takeover",{"$f":"'Unauthorised transactions'!E32","v":0},{"$f":"'Unauthorised transactions'!F32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","Phone Porting",{"$f":"'Unauthorised transactions'!E33","v":0},{"$f":"'Unauthorised transactions'!F33","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!E34","v":0},{"$f":"'Unauthorised transactions'!F34","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","Pay anyone other FI","Other",{"$f":"'Unauthorised transactions'!E35","v":0},{"$f":"'Unauthorised transactions'!F35","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","Malware",{"$f":"'Unauthorised transactions'!G30","v":0},{"$f":"'Unauthorised transactions'!H30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","Phishing",{"$f":"'Unauthorised transactions'!G31","v":0},{"$f":"'Unauthorised transactions'!H31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","ID Takeover",{"$f":"'Unauthorised transactions'!G32","v":0},{"$f":"'Unauthorised transactions'!H32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","Phone Porting",{"$f":"'Unauthorised transactions'!G33","v":0},{"$f":"'Unauthorised transactions'!H33","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!G34","v":0},{"$f":"'Unauthorised transactions'!H34","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet banking","BPAY","Other",{"$f":"'Unauthorised transactions'!G35","v":0},{"$f":"'Unauthorised transactions'!H35","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","Malware",{"$f":"'Unauthorised transactions'!I30","v":0},{"$f":"'Unauthorised transactions'!J30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","Phishing",{"$f":"'Unauthorised transactions'!I31","v":0},{"$f":"'Unauthorised transactions'!J31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","ID Takeover",{"$f":"'Unauthorised transactions'!I32","v":0},{"$f":"'Unauthorised transactions'!J32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","Phone Porting",{"$f":"'Unauthorised transactions'!I33","v":0},{"$f":"'Unauthorised transactions'!J33","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!I34","v":0},{"$f":"'Unauthorised transactions'!J34","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone same FI","Other",{"$f":"'Unauthorised transactions'!I35","v":0},{"$f":"'Unauthorised transactions'!J35","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","Malware",{"$f":"'Unauthorised transactions'!K30","v":0},{"$f":"'Unauthorised transactions'!L30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","Phishing",{"$f":"'Unauthorised transactions'!K31","v":0},{"$f":"'Unauthorised transactions'!L31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","ID Takeover",{"$f":"'Unauthorised transactions'!K32","v":0},{"$f":"'Unauthorised transactions'!L32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","Phone Porting",{"$f":"'Unauthorised transactions'!K33","v":0},{"$f":"'Unauthorised transactions'!L33","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!K34","v":0},{"$f":"'Unauthorised transactions'!L34","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","Pay anyone other FI","Other",{"$f":"'Unauthorised transactions'!K35","v":0},{"$f":"'Unauthorised transactions'!L35","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","BPAY","Malware",{"$f":"'Unauthorised transactions'!M30","v":0},{"$f":"'Unauthorised transactions'!N30","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","BPAY","Phishing",{"$f":"'Unauthorised transactions'!M31","v":0},{"$f":"'Unauthorised transactions'!N31","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","BPAY","ID Takeover",{"$f":"'Unauthorised transactions'!M32","v":0},{"$f":"'Unauthorised transactions'!N32","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile app banking","BPAY","Phone Porting",{"$f":"'Unauthorised transactions'!M33","v":0},{"$f":"'Unauthorised transactions'!N33","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile telco","Phishing",{"$f":"'Unauthorised transactions'!C52","v":0},{"$f":"'Unauthorised transactions'!D52","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","Never Received",{"$f":"'Unauthorised transactions'!E48","v":0},{"$f":"'Unauthorised transactions'!F48","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","Phishing",{"$f":"'Unauthorised transactions'!E52","v":0},{"$f":"'Unauthorised transactions'!F52","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","ID Takeover",{"$f":"'Unauthorised transactions'!E53","v":0},{"$f":"'Unauthorised transactions'!F53","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","Phone Porting",{"$f":"'Unauthorised transactions'!E54","v":0},{"$f":"'Unauthorised transactions'!F54","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!E55","v":0},{"$f":"'Unauthorised transactions'!F55","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet","Other ",{"$f":"'Unauthorised transactions'!E56","v":0},{"$f":"'Unauthorised transactions'!F56","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Face-to-face POS","Lost / Stolen",{"$f":"'Unauthorised transactions'!G47","v":0},{"$f":"'Unauthorised transactions'!H47","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Face-to-face POS","Phishing",{"$f":"'Unauthorised transactions'!G52","v":0},{"$f":"'Unauthorised transactions'!H52","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Face-to-face POS","ID Takeover",{"$f":"'Unauthorised transactions'!G53","v":0},{"$f":"'Unauthorised transactions'!H53","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Face-to-face POS","Phone Porting",{"$f":"'Unauthorised transactions'!G54","v":0},{"$f":"'Unauthorised transactions'!H54","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","Never Received",{"$f":"'Unauthorised transactions'!I48","v":0},{"$f":"'Unauthorised transactions'!J48","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","Counterfeit / Skimming",{"$f":"'Unauthorised transactions'!I49","v":0},{"$f":"'Unauthorised transactions'!J49","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","Malware",{"$f":"'Unauthorised transactions'!I51","v":0},{"$f":"'Unauthorised transactions'!J51","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","Phishing",{"$f":"'Unauthorised transactions'!I52","v":0},{"$f":"'Unauthorised transactions'!J52","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","ID Takeover",{"$f":"'Unauthorised transactions'!I53","v":0},{"$f":"'Unauthorised transactions'!J53","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","Phone Porting",{"$f":"'Unauthorised transactions'!I54","v":0},{"$f":"'Unauthorised transactions'!J54","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other","System / Equipment malfunction",{"$f":"'Unauthorised transactions'!I55","v":0},{"$f":"'Unauthorised transactions'!J55","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Telephone Banking","Compensation",{"$f":"Complaints!E11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Mobile App Banking","Compensation",{"$f":"Complaints!G11","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Face-to-fac e POS","Compensation",{"$f":"Complaints!Q11","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Internet Banking","No Compensation",{"$f":"Complaints!D11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Telephone Banking","No Compensation",{"$f":"Complaints!F11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Mobile App Banking","No Compensation",{"$f":"Complaints!H11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"POS (Includes remote transactions)","No Compensation",{"$f":"Complaints!J11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"ATM","No Compensation",{"$f":"Complaints!L11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Mobile telco network","No Compensation",{"$f":"Complaints!N11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Internet Banking","No Compensation",{"$f":"Complaints!P11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Face-to-fac e POS","No Compensation",{"$f":"Complaints!R11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved under 21 Cal days",{"$f":"Complaints!$E$18","v":0},"Other","No Compensation",{"$f":"Complaints!T11","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Internet Banking","Compensation",{"$f":"Complaints!C12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Telephone Banking","Compensation",{"$f":"Complaints!E12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Mobile App Banking","Compensation",{"$f":"Complaints!G12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"POS (Includes remote transactions)","Compensation",{"$f":"Complaints!I12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"ATM","Compensation",{"$f":"Complaints!K12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Mobile telco network","Compensation",{"$f":"Complaints!M12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Internet Banking","Compensation",{"$f":"Complaints!O12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Face-to-fac e POS","Compensation",{"$f":"Complaints!Q12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Other","Compensation",{"$f":"Complaints!S12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Internet Banking","No Compensation",{"$f":"Complaints!D12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Telephone Banking","No Compensation",{"$f":"Complaints!F12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Mobile App Banking","No Compensation",{"$f":"Complaints!H12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"POS (Includes remote transactions)","No Compensation",{"$f":"Complaints!J12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"ATM","No Compensation",{"$f":"Complaints!L12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Mobile telco network","No Compensation",{"$f":"Complaints!N12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Internet Banking","No Compensation",{"$f":"Complaints!P12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Face-to-fac e POS","No Compensation",{"$f":"Complaints!R12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved between 22-45",null,"Other","No Compensation",{"$f":"Complaints!T12","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Internet Banking","Compensation",{"$f":"Complaints!C13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Telephone Banking","Compensation",{"$f":"Complaints!E13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Mobile App Banking","Compensation",{"$f":"Complaints!G13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"POS (Includes remote transactions)","Compensation",{"$f":"Complaints!I13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"ATM","Compensation",{"$f":"Complaints!K13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Mobile telco network","Compensation",{"$f":"Complaints!M13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Internet Banking","Compensation",{"$f":"Complaints!O13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Face-to-fac e POS","Compensation",{"$f":"Complaints!Q13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Other","Compensation",{"$f":"Complaints!S13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Internet Banking","No Compensation",{"$f":"Complaints!D13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Telephone Banking","No Compensation",{"$f":"Complaints!F13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Mobile App Banking","No Compensation",{"$f":"Complaints!H13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"POS (Includes remote transactions)","No Compensation",{"$f":"Complaints!J13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"ATM","No Compensation",{"$f":"Complaints!L13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Mobile telco network","No Compensation",{"$f":"Complaints!N13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Internet Banking","No Compensation",{"$f":"Complaints!P13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Face-to-fac e POS","No Compensation",{"$f":"Complaints!R13","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Resolved after 45 days",null,"Other","No Compensation",{"$f":"Complaints!T13","v":0}]

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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Telephone Banking","Compensation",{"$f":"Complaints!E25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Mobile App Banking","Compensation",{"$f":"Complaints!G25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","POS (Includes remote transactions)","Compensation",{"$f":"Complaints!I25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","ATM","Compensation",{"$f":"Complaints!K25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Mobile telco network","Compensation",{"$f":"Complaints!M25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Internet Banking","Compensation",{"$f":"Complaints!O25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Face-to-face POS","Compensation",{"$f":"Complaints!Q25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Other","Compensation",{"$f":"Complaints!S25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Internet Banking","No Compensation",{"$f":"Complaints!D25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Telephone Banking","No Compensation",{"$f":"Complaints!F25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Mobile App Banking","No Compensation",{"$f":"Complaints!H25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","POS (Includes remote transactions)","No Compensation",{"$f":"Complaints!J25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","ATM","No Compensation",{"$f":"Complaints!L25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Mobile telco network","No Compensation",{"$f":"Complaints!N25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Internet Banking","No Compensation",{"$f":"Complaints!P25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Face-to-face POS","No Compensation",{"$f":"Complaints!R25","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Fraudulent Transactions","Other","No Compensation",{"$f":"Complaints!T25","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Telephone Banking","Compensation",{"$f":"Complaints!E26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Mobile App Banking","Compensation",{"$f":"Complaints!G26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","POS (Includes remote transactions)","Compensation",{"$f":"Complaints!I26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","ATM","Compensation",{"$f":"Complaints!K26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Mobile telco network","Compensation",{"$f":"Complaints!M26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Internet Banking","Compensation",{"$f":"Complaints!O26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Face-to-face POS","Compensation",{"$f":"Complaints!Q26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Other","Compensation",{"$f":"Complaints!S26","v":0}]
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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Telephone Banking","No Compensation",{"$f":"Complaints!F26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Mobile App Banking","No Compensation",{"$f":"Complaints!H26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","POS (Includes remote transactions)","No Compensation",{"$f":"Complaints!J26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","ATM","No Compensation",{"$f":"Complaints!L26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Mobile telco network","No Compensation",{"$f":"Complaints!N26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Internet Banking","No Compensation",{"$f":"Complaints!P26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Face-to-face POS","No Compensation",{"$f":"Complaints!R26","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Other Unauthorised Transactions","Other","No Compensation",{"$f":"Complaints!T26","v":0}]

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[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},null,"ATM",{"$f":"'Unauthorised transactions'!E19","v":0},{"$f":"'Unauthorised transactions'!F19","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet Banking","Pay anyone same FI",{"$f":"'Unauthorised transactions'!C37","v":0},{"$f":"'Unauthorised transactions'!D37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet Banking","Pay anyone other FI",{"$f":"'Unauthorised transactions'!E37","v":0},{"$f":"'Unauthorised transactions'!F37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Internet Banking","BPAY",{"$f":"'Unauthorised transactions'!G37","v":0},{"$f":"'Unauthorised transactions'!H37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile Application Banking","Pay anyone same FI",{"$f":"'Unauthorised transactions'!I37","v":0},{"$f":"'Unauthorised transactions'!J37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile Application Banking","Pay anyone other FI",{"$f":"'Unauthorised transactions'!K37","v":0},{"$f":"'Unauthorised transactions'!L37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Mobile Application Banking","BPAY",{"$f":"'Unauthorised transactions'!M37","v":0},{"$f":"'Unauthorised transactions'!N37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},"Telephone Banking","BPAY",{"$f":"'Unauthorised transactions'!O37","v":0},{"$f":"'Unauthorised transactions'!P37","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},null,"Mobile Telco",{"$f":"'Unauthorised transactions'!C58","v":0},{"$f":"'Unauthorised transactions'!D58","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},null,"Internet",{"$f":"'Unauthorised transactions'!E58","v":0},{"$f":"'Unauthorised transactions'!F58","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},null,"Face-to-face POS",{"$f":"'Unauthorised transactions'!G58","v":0},{"$f":"'Unauthorised transactions'!H58","v":0}]
[{"$f":"Instructions!$D$16","v":"<please enter>"},{"$f":"Instructions!$D$20","v":"<please select>"},{"$f":"Instructions!$D$22","v":2017},null,"Other",{"$f":"'Unauthorised transactions'!I58","v":0},{"$f":"'Unauthorised transactions'!J58","v":0}]

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