The app instantly responded: “Thanks. Please try the transaction again.”

Boom. A cheerful green checkmark animation filled the screen. A message appeared: Part 3: The First Test

That night, Maya opened the app one more time. Under the “Cards” tab, her new card now showed as . She noticed a small toggle: “Lock card” — a safety feature she could use if she ever misplaced it. She also saw “Manage contactless limits” and “Travel notification” (which she turned on for Melbourne).

The next day, she needed cash for the farmer’s market. She found a CommBank ATM outside a shopping centre. She inserted her new card. The machine whirred.

She paused. She had the same PIN as her old card, but muscle memory took over. She typed it in. The machine hesitated for half a second—then spat out $100 in crisp $20 notes.

Maya grinned. But the true test came that evening.

The security check, known as , had worked exactly as designed.

On the home screen, a small red notification badge sat on the “Cards” tab. She tapped it.

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