Payments & Infrastructure Resources Publications

Payments System Board Annual Report 2024

2024 Assessment of the Reserve Bank Information and Transfer System

Interlinking Fast Payment Systems for Cross-border Payments

Migration to Public Cloud: Risks and Regulatory Requirements for Clearing and Settlement Facilities

Payments System Board Annual Report 2023

Assessment of ASX Clearing and Settlement Facilities

The Australian Debit Card Market: Default Settings and Tokenisation – Conclusions Paper

Consumer Payment Behaviour in Australia

Cash Use and Attitudes in Australia

The Australian Debit Card Market: Default Settings and Tokenisation – Issues Paper

Targeted Assessment of the Reserve Bank Information and Transfer System

Stablecoins: Market Developments, Risks and Regulation

Payments System Board Annual Report 2022

The Cost of Card Payments for Merchants

Assessment of ASX Clearing and Settlement Facilities

Assessment of LCH Limited's SwapClear Service

Assessment of Chicago Mercantile Exchange Inc.

2022 Assessment of the Reserve Bank Information and Transfer System

Assessment of LCH Limited's SwapClear Service

Review of Retail Payments Regulation – Conclusions Paper

Payments System Board Annual Report 2021

Assessment of ASX Clearing and Settlement Facilities

How Far Do Australians Need to Travel to Access Cash?

Examining the Causes of Historical Failures of Central Counterparties

2021 Assessment of the Reserve Bank Information and Transfer System

Review of Retail Payments Regulation – Consultation Paper

Developments in the Buy Now, Pay Later Market

Governance of Financial Market Infrastructures

Assessment of LCH Limited's SwapClear Service

Payments System Board Annual Report 2020

Assessment of ASX Clearing and Settlement Facilities

Retail Central Bank Digital Currency: Design Considerations, Rationales and Implications

Assessment of the Reserve Bank Information and Transfer System

Consumer Payment Behaviour in Australia

The Cost of Card Payments for Merchants

ISO 20022 Migration for the Australian Payments System – Conclusions Paper

Assessment of LCH Limited's SwapClear Service

Review of Retail Payments Regulation – Issues Paper

Payments System Board Annual Report 2019

Assessment of ASX Clearing and Settlement Facilities

ISO 20022 Migration for the Australian Payments System – Responses and Options Paper

Cryptocurrency: Ten Years On

New Payments Platform Functionality and Access: Conclusions Paper

Assessment of the Reserve Bank Information and Transfer System

The Operation of the Interchange Standards: Conclusions Paper

Assessment of Chicago Mercantile Exchange Inc.

New Payments Insights from the Updated Retail Payments Statistics Collection

The Operation of the Interchange Standards: Consultation Paper

Payment Surcharges: Economics, Regulation and Enforcement

Assessment of LCH Limited's SwapClear Service

Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

Assessment of ASX Clearing and Settlement Facilities

The Australian OTC Derivatives Market: Insights from New Trade Repository Data

Assessment of the Reserve Bank Information and Transfer System

Assessment of Chicago Mercantile Exchange Inc.

Assessment of LCH Limited's SwapClear Service

Central Counterparty Margin Frameworks

Recent Developments in the ATM Industry

Payments System Board Annual Report 2017

Assessment of ASX Clearing and Settlement Facilities

How Australians Pay: Evidence from the 2016 Consumer Payments Survey

The Ongoing Decline of the Cheque System

Assessment of the Reserve Bank Information and Transfer System

How Australians Pay: New Survey Evidence

Assessment of Chicago Mercantile Exchange Inc. 344KB

The Future of Cash

2015/16 Assessment of LCH.Clearnet Limited's SwapClear Service

Dual-Network Cards and Mobile Wallet Technology: Consultation Paper

Payments System Board Annual Report 2016

Regulatory Expectations for Conduct in Operating Cash Equity Clearing and Settlement Services in Australia

Minimum Conditions for Safe and Effective Competition in Cash Equity Clearing in Australia

2015/16 Assessment of ASX Clearing and Settlement Facilities

Sources of Financial Risk for Central Counterparties

Review of Card Payments Regulation – Conclusions Paper

The ATM System since the 2009 Reforms

Review of Competition in Clearing Australian Cash Equities: Conclusions Paper

2014/15 Assessment of Chicago Mercantile Exchange Inc. 867KB

CCPs and Banks: Different Risks, Different Regulations

Review of Card Payments Regulation – Consultation Paper

2014/15 Assessment of LCH.Clearnet Limited's SwapClear Service

2015 Assessment of the Reserve Bank Information and Transfer System

Resolution Regime for Financial Market Infrastructures: Response to Consultation

Overseas Clearing and Settlement Facilities: The Australian Licensing Regime - Response to Consultation

Report on the Australian OTC Derivatives Market

Central Clearing of Repos in Australia: Conclusions

Payments System Board Annual Report 2015

2014/15 Assessment of ASX Clearing and Settlement Facilities

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates 906KB

Skin in the Game – Central Counterparty Risk Controls and Incentives 1.38MB

The Value of Payment Instruments: Estimating Willingness to Pay and Consumer Surplus

Central Counterparty Loss Allocation and Transmission of Financial Stress

Overseas Clearing and Settlement Facilities: the Australian Licensing Regime

Central Clearing of Repos in Australia: A Consultation Paper

Review of Card Payments Regulation – Issues paper

Review of Competition in Clearing Australian Cash Equities: Consultation Paper 674KB

Fast Retail Payment Systems

The Equity Securities Lending Market

2014 Assessment of the Reserve Bank Information and Transfer System

The Evolution of Payment Costs in Australia

Submission to the Inquiry into Digital Currency 648KB

Payments System Board Annual Report 2014

Initial Assessment of Chicago Mercantile Exchange Inc. against the Financial Stability Standards for Central Counterparties

2013/14 Assessment of ASX Clearing and Settlement Facilities

2013/14 Assessment of LCH.Clearnet Limited's SwapClear Service

Assessment of ASX Clearing and Settlement (CS) Facilities against the Principles for Financial Market Infrastructures (Principles)

Self-assessment of the Australian Securities and Investments Commission and Reserve Bank of Australia - Clearing and Settlement Facilities

Supplementary Submission to the Financial System Inquiry

The Changing Way We Pay: Trends in Consumer Payments

Report on the Australian OTC Derivatives Market

Submission to the Financial System Inquiry

Application of the Regulatory Influence Framework for Cross-border Central Counterparties

Non-dealer Clearing of Over-the-counter Derivatives

Payment Card Access Regimes: Conclusions

Recovery and Resolution of Central Counterparties

2013 Self-assessment of the Reserve Bank Information and Transfer System

2013 Self-assessment of the Reserve Bank of Australia – Systemically Important Payment Systems

Proposed Variations to the MasterCard and Visa Access Regimes: Consultation Document

Central Counterparty Links and Clearing System Exposures

Payments System Board Annual Report 2013

2012/13 Assessment of ASX Clearing and Settlement Facilities

Report on the Australian OTC Derivatives Market

OTC Derivatives Reforms and the Australian Cross-currency Swap Market

Australian Regulators' Statement on Assessing the Case for Mandatory Clearing Obligations

Review of Card System Access Regimes: A Consultation Document

Letter from APRA - Qualifying Central Counterparties: ASX Clear and ASX Clear (Futures) 124KB

Letter to APRA - Qualifying Central Counterparties: ASX Clear and ASX Clear (Futures) 167KB

Trends in Mobile Payments in Developing and Advanced Economies

Australian OTC Derivatives Markets: Insights from the BIS Semiannual Survey

New Financial Stability Standards: Final Standards and Regulation Impact Statement

Operational Incidents in Retail Payments Systems: Conclusions

The Regulatory Framework for the EFTPOS System: Final Reforms and Regulation Impact Statement

Guidance Note: Interpretation of the Surcharging Standards

RBA Core Criteria for a ‘Fast Payments’ Solution

The Impact of Payment System Design on Tiering Incentives

Report on the Australian OTC Derivatives Market

Payment System Design and Participant Operational Disruptions

2011/12 Assessment of Clearing and Settlement Facilities in Australia

Payments System Board Annual Report 2012

A Variation to the Access Regime for the ATM System: Conclusions

Consultation on New Financial Stability Standards

Guidance Note: Interpretation of the Surcharging Standards (Revised Draft)

ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia

Central Counterparty Interoperability

A Variation to the Surcharging Standards: Final Reforms and Regulation Impact Statement

Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform

Strategic Review of Innovation in the Payments System: Conclusions

A Variation to the Access Regime for the ATM System: Consultation Document

ATM Taskforce - Report on Transparency and Competition

ATM Taskforce - Report on Indigenous ATM Issues

The Personal Credit Card Market in Australia: Pricing over the Past Decade

OTC Derivatives Market Reform Considerations: A report by the Council of Financial Regulators

Review of the Regulatory Framework for the eftpos System: Consultation on Designation

Strategic Review of Innovation in the Payments System: Summary of Consultation

A Variation to the Surcharging Standards: A Consultation Document

Review of Financial Market Infrastructure Regulation: Consultation Paper

2010/11 Assessment of Clearing and Settlement Facilities in Australia

Payments System Board Annual Report 2011

Strategic Review of Innovation in the Payments System: Issues for Consultation

Strategic Review of Innovation in the Payments System: Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study

Central Clearing of OTC Derivatives in Australia

Review of Card Surcharging: A Consultation Document

Developments in the Financial System Architecture

PDF Version 107KB

The ATM Reforms – New Evidence from Survey and Market Data

2009/10 Assessment of Clearing and Settlement Facilities in Australia

Payments System Board Annual Report 2010

A Guide to the Card Payments System Reforms

Real-time Gross Settlement in Australia

Developments in the Financial System Architecture

PDF Version

Reform of the ATM System – One Year On

The Foreign Exchange Market and Central Counterparties

Developments in the Financial System Architecture

PDF Version

A Revised Interchange Standard for the EFTPOS System

Payments System Board Annual Report 2009

Developments in the Financial System Architecture

2008/09 Assessment of Clearing and Settlement Facilities in Australia

Self-Assessment of the Reserve Bank Information and Transfer System

Survey of the OTC Derivatives Market in Australia

Consultation on Assessing Sufficient Equivalence

The Introduction of Direct Charging for ATMs

PDF Version

Developments in the Financial System Architecture

Review of Participation Requirements in Central Counterparties

Disclosure of Equities Securities Lending

An Access Regime for the ATM System

Access Regime for the ATM System: A Consultation Document

2007/08 Assessment of Clearing and Settlement Facilities in Australia

Consultation on Variation of the Financial Stability Standard for Central Counterparties:
Oversight of Overseas Facilities

Consultation on Variation of the Financial Stability Standard for Securities Settlement Facilities: Disclosure of Equities Securities Lending

Developments in the Financial System Infrastructure

Reform of Australia's Payments System: Conclusions of the 2007/08 Review

Payments System Board Annual Report 2008

Review of Settlement Practices for Australian Equities

Reform of Australia's Payments System: Preliminary Conclusions of the 2007/08 Review

Proceedings of Payments System Review Conference

Payments System Review Conference

2006/07 Assessment of Clearing and Settlement Facilities in Australia

Payments System Board Annual Report 2007

Reform of Australia's Payments System: Issues for the 2007/08 Review

Self-Assessment of the Reserve Bank Information and Transfer System

Payments System Board Annual Report 2006

Reform of the EFTPOS and Visa Debit Systems in Australia: Final Reforms and Regulation Impact Statement

Reform of Debit Card Systems in Australia: A Consultation Document

Common Benchmark for the Setting of Credit Card Interchange Fees

Payments System Board Annual Report 2005

Developments in the Financial System Infrastructure

Merchant Service Fees and Market Shares for Credit and Charge Cards 105KB

Proposed Changes to the Credit Card Interchange Standard: A Consultation Document

An Access Regime for the Visa Debit System: A Consultation Document

Reform of the EFTPOS and Visa Debit Systems in Australia: A Consultation Document

Payments System Board Annual Report 2004

Reasons for the Decision to Designate the EFTPOS Payment System

Merchant Service Fees for Credit Cards 54KB

How Australians Withdraw Cash 64KB

Submission by the Reserve Bank of Australia to the Australian Competition Tribunal 271KB

Financial Stability Review 612KB

The Australian High-Value Payments System 99KB

Payments System Board Annual Report 2003

The Changing Australian Retail Payments Landscape 77KB

Financial Stability Standards for Central Counterparties and Securities Settlement Facilities

Payments System Board Annual Report 2002

Reform of Credit Card Schemes in Australia – IV Final Reforms and Regulation Impact Statement

Payments System Board Annual Report 2001

Reform of Credit Card Schemes in Australia
I A Consultation Document
II Commissioned Report
III Submissions Received (Volume 1)
III Submissions Received (Volume 2)

Payments System Board Annual Report 2000

Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access 408KB

The Future of Clearing and Settlement in Australia: A Discussion Paper 453KB

Payments System Board Annual Report 1999

Reducing Foreign Exchange Settlement Risk in Australia: A Progress Report 367KB

The Role of Exchange Settlement Accounts 51KB

Some Features of the Australian Payments System 42KB

Foreign Exchange Settlement Practices in Australia 269KB