Search: smart card
RBA Glossary definition for smart card
smart card – Also known as a chip card or IC (integrated circuit) card. A card containing one or more computer chips or integrated circuits for identification, data storage or special-purpose processing used to validate personal identification numbers (PINs), authorise purchases, verify account balances and store personal records.
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Payment Cards
8 Aug 2017
RDP
2017-04
Opal cards can be topped up in a number of ways, including by making an online or in-person card payment. ... the cards that they held, rather than selecting the type of card (i.e.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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The Personal Credit Card Market in Australia: Pricing over the Past Decade
10 Mar 2012
Bulletin
– March 2012
b) Does not include spending on companion cards that may accompany these card products. ... with $18,800 without a companion card), making these slightly more competitive than the merchant-branded cards.
https://www.rba.gov.au/publications/bulletin/2012/mar/7.html
Understanding Merchants' and Consumers' Card Choices
17 Apr 2009
RDP
2009-02
is the (relatively high) effective per-transaction price that a consumer who holds both cards, but who would prefer to use card i over card j, faces for card j transactions. ... would gain from being able to switch his or her card payments from platform
https://www.rba.gov.au/publications/rdp/2009/2009-02/understanding-merchants.html
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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
PDF
2354KB
5.4 Surcharging of card transactions 27. 5.5 Dual network debit cards 29. ... card and just under half indicated that they held both types of cards.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
Bulletin
18 Apr 2024
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/
Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
14 Sep 2020
RDP
2020-06
5.2 Contactless Card Payments and Mobile Wallets. The way in which consumers use their cards has changed significantly over the past decade or so. ... All card payments. 3.9. Credit cards. 5.0. Debit cards. 3.4. Reward cardholder status.
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.html
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Abstract for The Personal Credit Card Market in Australia: Pricing over the Past Decade
10 Mar 2012
Bulletin
– March 2012
Bulletin – March 2012 The Personal Credit Card Market in Australia: Pricing over the Past Decade Abstract. ... New strategies adopted by issuers include: the introduction of ‘companion’ American Express cards; a substantial increase in the number
https://www.rba.gov.au/publications/bulletin/2012/mar/bu-0312-7a.html
Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
credit card (if they held multiple cards, this was the one they used most often). ... was the only card that they held, but some respondents held multiple cards.19 Respondents with.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of. ... a tight relationship between the unemployment rate and credit card loss rates during stress events.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
How Australians Pay: Evidence from the 2016 Consumer Payments Survey
24 Jul 2017
RDP
PDF
1438KB
cards (Table 1). Since the 2013 survey, the share of debit card payments has increased by slightly. ... they can handle card payments, potentially lowering the overall cost of accepting cards.20 Similarly,.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf