Skip to content

RESERVE BANK OF AUSTRALIA

Payments System Resources

Speeches

2015

  • 27 August 2015
    Malcolm Edey, Assistant Governor (Financial System)
    Opening Statement to the Senate Economics References Committee Inquiry into Matters Relating to Credit Card Interest Rates – Sydney

  • 26 August 2015
    Glenn Stevens, Governor
    ‘Reform’ and Economic Growth – Sydney

  • 20 August 2015
    Mark Manning, Deputy Head of Payments Policy (Financial System)
    Panel participation at the Risk Australia 2015 Conference – Sydney

  • 14 August 2015
    Christopher Kent, Assistant Governor (Economic)
    Adjustments in the Labour Market – Brisbane

  • 12 August 2015
    Philip Lowe, Deputy Governor
    National Wealth, Land Values and Monetary Policy – Perth

  • 6 August 2015
    Luci Ellis, Head of Financial Stability Department
    Opening Statement to House of Representatives Standing Committee on Economics Inquiry into Home Ownership – Sydney

  • 30 July 2015
    Glenn Stevens, Governor
    Address to the Boao Forum for Asia Financial Cooperation Conference – Sydney

  • 22 July 2015
    Glenn Stevens, Governor
    Issues In Economic Policy – Sydney

  • 8 July 2015
    Mark Manning, Deputy Head of Payments Policy (Financial System)
    Panel participation at the Global Investor/ISF Australia Securities Finance Masterclass - Sydney

  • 30 June 2015
    Glenn Stevens, Governor
    The Changing Landscape of Central Banking – London

  • 16 June 2015
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks on Financial Integration in the Asia Pacific

  • 15 June 2015
    Christopher Kent, Assistant Governor (Economic)
    Monetary Policy Transmission – What's Known and What's Changed – Canberra

  • 10 June 2015
    Glenn Stevens, Governor
    Economic Conditions and Prospects: Creating the Upside – Brisbane

  • 27 May 2015
    Philip Lowe, Deputy Governor
    The Transformation in Maturity Transformation – Sydney

  • 21 May 2015
    Malcolm Edey, Assistant Governor (Financial System)
    Card Payments Regulation: From Wallis to Murray – Melbourne

  • 18 May 2015
    Philip Lowe, Deputy Governor
    Managing Two Transitions – Sydney

  • 5 May 2015
    Sarv Girn, Chief Information Officer
    Leadership in an Age of Digital Disruption – Sydney

  • 28 April 2015
    Glenn Stevens, Governor
    Observations on the Financial System – Sydney

  • 23 April 2015
    Guy Debelle, Assistant Governor (Financial Markets)
    Panel participation by Guy Debelle, Assistant Governor (Financial Markets), at the Forex Network, London

  • 21 April 2015
    Glenn Stevens, Governor
    The World Economy and Australia – New York, USA

  • 7 April 2015
    Tony Richards, Head of Payments Policy Department and David Emery, Senior Manager, Payments Policy Department
    Opening Statement to the Senate Economics References Committee Inquiry into Digital Currency – Sydney

  • 24 March 2015
    Malcolm Edey, Assistant Governor (Financial System)
    Remarks to ASIC Annual Forum 2015 – Sydney

  • 20 March 2015
    Glenn Stevens, Governor
    Remarks to the American Chamber of Commerce in Australia (AMCHAM) – Melbourne

  • 16 March 2015
    Guy Debelle, Assistant Governor (Financial Markets)
    Global And Domestic Influences on the Australian Bond Market – Sydney

  • 11 March 2015
    Christopher Kent, Assistant Governor (Economic)
    Australian Economic Growth – The How, What and Where – Hobart

  • 5 March 2015
    Philip Lowe, Deputy Governor
    Low Inflation in a World of Monetary Stimulus – Sydney

  • 13 February 2015
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics – Sydney

  • 12 February 2015
    Guy Debelle, Assistant Governor (Financial Markets)
    FX Benchmarks – Sydney

  • 9 February 2015
    Glenn Stevens, Governor
    Remarks at the launch of the official Australian Renminbi Clearing Bank – Sydney

2014

  • 16 December 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Liquidity – Sydney

  • 25 November 2014
    Philip Lowe, Deputy Governor
    Building on Strong Foundations - Sydney

  • 21 November 2014
    Alexandra Heath, Head of Economic Analysis Department
    The Domestic Outlook and the Role of Mining – Sydney

  • 18 November 2014
    Glenn Stevens, Governor
    Economic Possibilities – Melbourne

  • 13 November 2014
    Christopher Kent, Assistant Governor (Economic)
    The Business Cycle in Australia - Sydney

  • 11 November 2014
    Chris Aylmer, Head of Domestic Markets Department
    The Securitisation Market – Sydney

  • 27 October 2014
    Luci Ellis, Head of Financial Stability Department
    Remarks to the Australian Housing and Urban Research Institute (AHURI) Panel Roundtable – Sydney

  • 23 October 2014
    Issues in Payments Systems - Sydney
    Glenn Stevens, Governor

  • 21 October 2014
    Philip Lowe, Deputy Governor
    Investing in a Low Interest Rate World - Sydney

  • 20 October 2014
    Christopher Kent, Assistant Governor (Economic)
    Ageing and Australia's Economic Outlook - Adelaide

  • 20 October 2014
    Chris Aylmer, Head of Domestic Markets Department
    Remarks to the Small to Medium Enterprise/Small Business Conference – Melbourne

  • 16 October 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks to a panel discussion at the Thomson Reuters FX Benchmark Event – Sydney

  • 14 October 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Volatility and Market Pricing – Sydney

  • 10 October 2014
    Malcolm Edey, Assistant Governor (Financial System)
    Remarks to a panel discussion at the Australian Banking and Finance (AB+F) Financial Services Institute of Australasia (FINSIA) Conference 2014, Sydney

  • 9 October 2014
    Luci Ellis, Head of Financial Stability Department
    Future Directions in Financial Stability Analysis: Learning from Others, Learning from the Past - Sydney

  • 2 October 2014
    Malcolm Edey, Assistant Governor (Financial System) and
    Luci Ellis, Head of Financial Stability Department
    Opening Remarks - Inquiry into Affordable Housing – Canberra

  • 26 September 2014
    Tony Richards, Head of Payments Policy Department
    The Path to Innovation in Payments Infrastructure in Australia – Chicago

  • 25 September 2014
    Glenn Stevens, Governor
    Remarks to the Melbourne Economic Forum - Melbourne

  • 16 September 2014
    Christopher Kent, Assistant Governor (Economic)
    Non-mining Business Investment - Where to from here? - Sydney

  • 9 September 2014
    Michele Bullock, Assistant Governor (Currency), and
    Keith Drayton, Deputy Head of Note Issue
    Submission to the Inquiry into Financial Related Crime Appearance before the Parliamentary Joint Committee On Law Enforcement Inquiry into financial related crime - Sydney

  • 3 September 2014
    Glenn Stevens, Governor
    The Economic Scene - Adelaide

  • 20 August 2014
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics - Brisbane

  • 14 August 2014
    Jenny Hancock, Senior Manager, Payments System Stability, Payments Policy Department
    Remarks to a panel discussion at the Risk Australia Conference - Sydney

  • 23 July 2014
    Philip Lowe, Deputy Governor
    Australia's RMB Policies and Future Direction - Sydney

  • 22 July 2014
    Glenn Stevens, Governor
    Challenges for Economic Policy - Sydney

  • 22 July 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Panel participation at the 2nd Latin America Australia Investors Forum - Sydney

  • 17 July 2014
    Malcolm Edey, Assistant Governor (Financial System)
    Panel participation at the Centre for International Finance and Regulation (CIFR) Market
    and Regulatory Performance Stream Symposium - Sydney

  • 9 July 2014
    Mark Manning, Deputy Head of Payments Policy (Financial System)
    Collateral and Liquidity: Striking the Right Balance - Sydney

  • 4 July 2014
    Luci Ellis, Head of Financial Stability Department
    Reforming and Financing the Post-crisis Future - Melbourne

  • 3 July 2014
    Glenn Stevens, Governor
    Economic Update - Hobart

  • 2 July 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Future of Money - London

  • 27 June 2014
    Christopher Kent, Assistant Governor (Economic)
    David Orsmond, Deputy Head of Economic Analysis
    Opening Statement to House of Representatives Standing Committee on Economics Inquiry into Foreign Investment in Residential Real Estate - Sydney

  • 25 June 2014
    Philip Lowe, Deputy Governor
    Panel moderation at the G20 Conference: Strengthening the G20's Accountability
    and Effectiveness - Melbourne

  • 16 June 2014
    Christopher Kent, Assistant Governor (Economic)
    Cyclical and Structural Changes in the Labour Market - Sydney

  • 11 June 2014
    Sarv Girn, Chief Information Officer
    Digital Disruption - Opportunities for Innovation and Growth – Sydney

  • 10 June 2014
    Glenn Stevens, Governor
    Financial Regulation: Some Observations - San Francisco

  • 4 June 2014
    Luci Ellis, Head of Financial Stability Department
    Why Financial Stability Matters, and What We Can Do About It - Adelaide

  • 4 June 2014
    Tony Richards, Head of Payments Policy Department
    The Way We Pay: Now and in the Future – Sydney

  • 20 May 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Capital Flows and the Australian Dollar - Adelaide

  • 15 May 2014
    Luci Ellis, Head of Financial Stability Department
    Space and Stability: Some Reflections on the Housing - Finance System - Sydney

  • 13 May 2014
    Luci Ellis, Head of Financial Stability Department
    Remarks to a panel discussion at the Thomson Reuters' 2nd Australian Regulatory
    Summit
    - Sydney

  • 9 May 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks at the Women in Banking and Finance (WIBF) Business Series Lunch - Sydney

  • 15 April 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    The Australian Bond Market - Canberra

  • 3 April 2014
    Glenn Stevens, Governor
    Economic Conditions and Prospects - Brisbane

  • 26 March 2014
    Glenn Stevens, Governor
    Remarks by Glenn Stevens, Governor, to a panel discussion at the 17th Annual Credit Suisse Asian Investment Conference, Hong Kong

  • 26 March 2014
    Glenn Stevens, Governor
    The Economic Outlook - Hong Kong

  • 26 March 2014
    Philip Lowe, Deputy Governor
    Some Implications of the Internationalisation of the Renminbi - Sydney

  • 25 March 2014
    Philip Lowe, Deputy Governor
    Opportunities and Challenges for Market-based Financing - Sydney

  • 16 March 2014
    Malcolm Edey, Assistant Governor (Financial System)
    Reflections on the Financial Crisis - Gold Coast

  • 12 March 2014
    Philip Lowe, Deputy Governor
    Demographics, Productivity and Innovation - Sydney

  • 7 March 2014
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics - Sydney

  • 14 February 2014
    Christopher Kent, Assistant Governor (Economic)
    The Resources Boom and the Australian Dollar - Sydney

  • 13 February 2014
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks to the CIFR Financial Market Developments - Sydney

2013

2012

  • 17 December 2012
    Guy Debelle, Assistant Governor, Financial Markets
    Remarks to a panel discussion at the 25th Australasian Finance and Banking Conference
    - Sydney
    audio mp3

  • 12 December 2012
    Glenn Stevens, Governor
    Challenges for Central Banking - Bangkok
    HTML or PDF audio mp3

  • 6 December 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Macroeconomics at the Melbourne Institute - Melbourne
    audio mp3

  • 5 December 2012
    Philip Lowe, Deputy Governor
    What is Normal? - Sydney
    HTML or PDF audio mp3

  • 30 November 2012
    Glenn Stevens, Governor
    Remarks to Parliamentary Joint Committee on the Australian Commission for Law Enforcement Integrity - Canberra
    HTML and Hansard transcript

  • 20 November 2012
    Glenn Stevens, Governor
    Producing Prosperity - Melbourne
    HTML or PDF audio mp3

  • 13 November 2012
    Jonathan Kearns, Head of Economic Analysis Department
    The Outlook for Dwelling Investment - Sydney
    audio mp3

  • 30 October 2012
    Philip Lowe, Deputy Governor
    Australia and the World - Sydney
    HTML or PDF audio mp3

  • 24 October 2012
    Luci Ellis, Head of Financial Stability Department
    Five Years of Financial Crisis - Sydney
    audio mp3

  • 22 October 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Enhancing Information on Securitisation - Sydney
    audio mp3

  • 18 October 2012
    Malcolm Edey, Assistant Governor (Financial System)
    OTC Derivatives Regulation - Sydney
    audio mp3

  • 11 October 2012
    Luci Ellis, Head of Financial Stability Department
    Macroprudential Policy: A Suite of Tools or a State of Mind? - Sydney
    audio mp3

  • 9 October 2012
    Philip Lowe, Deputy Governor
    The Labour Market, Structural Change and Recent Economic Developments - Hobart
    HTML or PDF audio mp3

  • 8 October 2012
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics - Canberra
    HTML and Hansard transcript

  • 28 September 2012
    Malcolm Edey, Assistant Governor (Financial System)
    Macroprudential Supervision and the Role of Central Banks - Beijing

  • 26 September 2012
    Tony Richards, Head of Payments Policy Department
    Address to the Mobile and Contactless Payments Australia Conference 2012 - Sydney
    Link, opening in a new window, to the audio webcast of Tony Richards' address given on 26 September 2012. mp3

  • 25 September 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Credo et Fido: Credit and Trust - Melbourne
    audio mp3

  • 19 September 2012
    Christopher Kent, Assistant Governor (Economic)
    Implications for the Australian Economy of Strong Growth in Asia - Canberra
    HTML or PDF audio mp3

  • 18 September 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Regulatory Reforms and their Implications for Financial Markets, Funding Costs and Monetary Policy - Adelaide
    audio

  • 24 August 2012
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics - Canberra
    HTML and Hansard transcript

  • 16 August 2012
    Guy Debelle, Assistant Governor, Financial Markets
    Remarks to a panel discussion at the Deeper Insights Series Forum 2012, Museum of Contemporary Art Australia - Sydney
    audio

  • 14 August 2012
    Mark Chambers, Senior Manager, Payments System Stability, Payments Policy Department
    Remarks to a panel discussion at the Risk & Return Australia Conference 2012 - Sydney
    audio

  • 9 August 2012
    Guy Debelle, Assistant Governor (Financial Markets), and
    Chris Aylmer, Head of Domestic Markets Department
    Appearance before the Senate Economics References Committee Inquiry into the Post-Global Financial Crisis Banking Sector - Sydney
    Hansard Transcript
    (See also Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector )

  • 24 July 2012
    Glenn Stevens, Governor
    The Lucky Country - Sydney
    HTML or PDF audio mp3

  • 19 July 2012
    Alexandra Heath, Head of Economic Research Department
    Remarks to a panel discussion at the Australian Economic Forum 2012 - Sydney
    audio

  • 12 July 2012
    Philip Lowe, Deputy Governor
    The Euro Crisis and the Financial System - Sydney
    Presentation Slides [PDF 581K]
    audio mp3

  • 11 July 2012
    Philip Lowe, Deputy Governor
    Bank Regulation and the Future of Banking - Melbourne
    HTML or PDF audio mp3

  • 26 June 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks to a panel discussion at the Mortgage and Finance Association of Australia Industry and Leaders Panel Forum - Adelaide
    audio

  • 20 June 2012
    Tony Richards, Head of Payments Policy Department
    Strategic Review of Innovation in the Payments System - Sydney
    Link, opening in a new window, to the audio webcast of Glenn Stevens' speech given on 13 June 2012.

  • 13 June 2012
    Glenn Stevens, Governor
    The Australian Economy: Some Perspectives - Brisbane
    Presentation Slides [PDF 1.0M]
    Link, opening in a new window, to the audio webcast of Glenn Stevens' speech given on 13 June 2012.

  • 8 June 2012
    Glenn Stevens, Governor
    The Glass Half Full - Adelaide
    HTML or PDF Link, opening in a new window, to the audio webcast of Glenn Stevens' speech given on 8 June 2012.

  • 28 May 2012
    Glenn Stevens, Governor
    Innovation, Stability and the Role of the Payments System Board - Sydney
    HTML or PDF Link, opening in a new window, to the audio webcast of Mr. Glenn Stevens' speech given on 28 May 2012.

  • 14 May 2012
    Philip Lowe, Deputy Governor
    Developments in the Mining and Non-mining Economies - Melbourne
    HTML or PDF Link, opening in a new window, to the audio webcast of Phillip Lowe's speech given on 14 May 2012. mp3

  • 11 April 2012
    Luci Ellis, Head of Financial Stability Department
    Moderator's Opening Remarks for Panel Discussion on Mortgage Finance - Atlanta
    audio mp3

  • 31 March 2012
    Malcolm Edey, Assistant Governor (Financial System)
    Inertia and Coordination Problems in Payment Networks - Kansas City
    audio mp3

  • 27 March 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Remarks to the Morgan Stanley Global Macro Investment Conference - Sydney
    audio mp3

  • 22 March 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    Bank Funding - Sydney
    Link, opening in a new window, to the audio webcast of Guy Debelle's speech given on 22 March 2012. mp3

  • 20 March 2012
    Malcolm Edey, Assistant Governor (Financial System)
    The Current Agenda in Retail Payments Regulation - Sydney
    Link, opening in a new window, to the audio webcast of Malcolm Edey's speech given on 20 March 2012. mp3

  • 19 March 2012
    Glenn Stevens, Governor
    Economic Conditions and Prospects - Hong Kong
    HTML or PDF Link, opening in a new window, to the audio webcast of Glenn Stevens' speech given on 19 March 2012. mp3

  • 7 March 2012
    Philip Lowe, Deputy Governor
    The Changing Structure of the Australian Economy and Monetary Policy - Sydney
    HTML or PDF
    Link, opening in a new window, to the audio webcast of Philip Lowe's speech given on 7 March 2012. mp3

  • 24 February 2012
    Glenn Stevens, Governor
    Opening Statement to House of Representatives Standing Committee on Economics - Sydney
    HTML and Hansard transcript

  • 23 February 2012
    Luci Ellis, Head of Financial Stability Department
    Prudent Mortgage Lending Standards Help Ensure Financial Stability - Sydney
    HTML or PDF Link, opening in a new window, to the audio webcast of Luci Ellis' panel discussion given on 23 February 2012. mp3

  • 21 February 2012
    Glenn Stevens, Governor
    Panel Discussion, ASIC Summer School 2012 - Sydney
    audio

  • 16 February 2012
    Philip Lowe, Deputy Governor
    The Forces Shaping the Economy Over 2012 - Sydney
    HTML or PDF audio mp3

  • 14 February 2012
    Guy Debelle, Assistant Governor (Financial Markets)
    On Europe's Effects on Australian Financial Markets - Sydney
    HTML or PDF audio mp3

2011

2010

  • 15 March 2010
    Michele Bullock, Head of Payments Policy Department
    Address to Cards and Payments Australasia 2010 - Sydney
    audio mp3

  • 15 March 2010
    Malcolm Edey, Assistant Governor (Financial System)
    Competition and Regulation in the Card Payments Market - Sydney
    HTML or PDF 32K
    audio mp3

2009

2008

  • 24 July 2008
    Michele Bullock, Head of Payments Policy Department
    Presentation to APCA’s CECS Advisory Council: Update on Payments System Reforms
    Presentation Slides [PDF 26K]

  • 13 June 2008
    Michele Bullock, Head of Payments Policy Department
    Presentation to Australian Smart Cards Summit 2008: Update on Payments System Reforms
    Presentation Slides [PDF 30K]

  • 4 June 2008
    Philip Lowe, Assistant Governor (Financial System)
    The Preliminary Conclusions of the Payments System Review - Hamilton Island
    HTML or PDF 54K

  • 5, 6 and 9 May 2008
    Michele Bullock, Head of Payments Policy Department
    Presentation to Commonwealth Bank of Australia Merchant Forums (Melbourne, Brisbane and Sydney)
    Presentation Slides [PDF 42K]

  • 11 March 2008
    Michele Bullock, Head of Payments Policy Department
    Presentation to Cards & Payments Australasia: Reviewing Australia’s Payments System Reforms – A Progress Report
    Presentation Slides [PDF 69K]

2007

  • 31 October 2007
    Michele Bullock, Head of Payments Policy Department
    Presentation to Indue Limited 2007 Church Funds & Charities Summit: Trends in the Australian Payments System
    Presentation Slides [PDF 74K]

  • 2 August 2007
    Michele Bullock, Head of Payments Policy Department
    Presentation to Banktech07 - 8th Annual Banking Technology Summit 2007: Review of Payments System Reforms
    Presentation Slides [PDF 36K]

  • 27 June 2007
    Philip Lowe, Assistant Governor (Financial System)
    Reform of Australia's Payments System: The 2007/08 Review - Sydney
    HTML or PDF 109K

  • 7 June 2007
    Michele Bullock, Head of Payments Policy Department
    Presentation to Australian Smart Cards Summit 2007: Review of Payments System Reforms
    Presentation Slides [PDF 165K]

  • 5 May 2007
    Philip Lowe, Assistant Governor (Financial System)
    Non-Banks in the Payments System: A Central Bank Perspective - Santa Fe
    HTML or PDF 50K

  • 27 March 2007
    Michele Bullock, Head of Payments Policy Department
    Presentation to Cards and Payments Australasia: Current Issues in the Australia Payments System
    Presentation Slides [PDF 27K]

2006

  • 12 October 2006
    Philip Lowe, Assistant Governor (Financial System)
    The Central Bank and the Payment System - Sydney

  • 27 September 2006
    Philip Lowe, Assistant Governor (Financial System)
    Presentation to Australian Bankers' Association and Australian Payments Clearing Association Forum on Payment Systems Evolution: Where to From Here?
    Presentation Slides
    PDF 375K or PPT 230K
    Background Paper
    HTML or PDF 229K

  • 15 May 2006
    Philip Lowe, Assistant Governor (Financial System)
    Opening Statement to House of Representatives Standing Committee on Economics, Finance and Public Administration – The Australian Payments System - Sydney
    HTML or PDF 69K

    Hansard transcript for 15 May 2006 [PDF 690K]
    Hansard transcript for 16 May 2006 [PDF 371K]

  • 14 March 2006
    Philip Lowe, Assistant Governor (Financial System)
    The Evolution and Regulation of the Payments System - Melbourne
    HTML or PDF 75K

2005

  • 16 September 2005
    Philip Lowe, Assistant Governor (Financial System)
    Innovation and Governance of Payment Systems - Sydney
    HTML or PDF 72K

  • 7 May 2005
    Philip Lowe, Assistant Governor (Financial System) and Ian Macfarlane, Governor
    Payments System Reform: The Australian Experience - Santa Fe
    HTML or PDF 54K

  • 23 March 2005
    Ian Macfarlane, Governor
    Gresham's Law of Payments - Sydney
    HTML or PDF 50K

  • 2 March 2005
    Philip Lowe, Assistant Governor (Financial System)
    Reform of the Payments System - Werribee
    HTML or PDF 59K

1999

  • 16 June 1999
    John Laker, Assistant Governor (Financial System)
    The Role of the Payments System Board - Sydney
    HTML or PDF 66K

1998

1997