Search: direct debit

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RBA Glossary definition for direct debit

direct debit – A pre-authorised debit on the payer's bank account initiated by the recipient (payee).

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Banking in the 21st Century: The Transformation of an Industry | Conference – 1996

9 Jul 1996 Conferences
David T. Llewellyn
Similarly, the development of credit cards and debit cards erodes this same monopoly, and an increasing proportion of transactions can now be executed without the need for even a temporary stock ... Financial innovation and technology are also eroding
https://www.rba.gov.au/publications/confs/1996/llewellyn.html

Literature

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
Borzekowski, Kiser and Ahmed (2008) used survey data on debit card adoption and use to evaluate how US consumers reacted to per-transaction prices on card payments. ... 2.3 per cent surcharge on small-value payments would increase the use of debit cards
https://www.rba.gov.au/publications/rdp/2015/2015-03/literature.html
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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes

1 Dec 2018 RDP 2018-12
Richard Finlay, Andrew Staib and Max Wakefield
Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by businesses using debit cards; dashed line indicates points that have been interpolated or extrapolated; dots indicate direct ... Banknote lodgements, on the
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011

24 Jul 2000 Conferences
Kevin Davis
By reducing and aligning interchange fees for debit and credit cards, and providing greater merchant discretion, a substantial increase in the relative use of debit cards has eventuated. ... for on-lending rather than facilitating direct borrowings by
https://www.rba.gov.au/publications/confs/2011/davis.html

The Economics of Shadow Banking | Conference – 2013

19 Aug 2013 Conferences
Manmohan Singh
This includes the financial lubrication provided by intraday debits and credits, and cross-border payments of ‘cash or cash equivalents’ (i.e. ... their direct investment choices, but the portfolio choice and investment management techniques of their
https://www.rba.gov.au/publications/confs/2013/singh.html

Developments in the Business of Banking | Conference – 1996

9 Jul 1996 Conferences
Robert Joss
Over the last decade, banks have developed these selling skills and they have also developed new, more cost-effective channels for selling by using mobile lenders and direct marketing, including systematic ... Electronic funds transfer, automatic teller
https://www.rba.gov.au/publications/confs/1996/joss.html

A Model of Competing Payment Systems

17 Apr 2009 RDP 2009-02
George Gardner and Andrew Stone
and. to merchants for the use of their cards. Thus, for platform i, each consumer that subscribes generates direct revenue. ... Some consumers, for instance, may be particularly averse to taking on debt, and so appreciate the budgeting discipline
https://www.rba.gov.au/publications/rdp/2009/2009-02/model-competing-payment-systems.html
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Financial Markets, Institutions and Liquidity | Conference – 2013

19 Aug 2013 Conferences
Franklin Allen and Elena Carletti
The literature on contagion takes two approaches: examining direct linkages and indirect balance-sheet linkages. ... In looking for contagious effects via direct linkages, research by Allen and Gale (2000) studies how the banking system responds to
https://www.rba.gov.au/publications/confs/2013/allen-carletti.html

Introduction

1 Jun 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
payment suffer a direct loss; and the wider public can lose confidence in the functionality of the currency. ... close payment substitutes like debit cards and credit cards.
https://www.rba.gov.au/publications/rdp/2015/2015-05/introduction.html
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Methodology

1 Nov 1999 RDP 1999-09
Marianne Gizycki and Brenton Goldsworthy
Furthermore, some customers are willing to pay an added premium to transact with banks since banks are viewed as being a superior source of both credit and debit services. ... If a bank fails, the payout under the guarantee may take the form of direct
https://www.rba.gov.au/publications/rdp/1999/1999-09/methodology.html