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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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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit Cards as Payment Instruments

8 May 2024 Submissions
The study found that direct debit payments had the lowest resource costs, while cheques were the most expensive payment instrument (The difference in resource costs across the various payment instruments reflect ... For example, direct debit payments
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-as-payment-instruments.html

Submission to the Senate Select Committee on Financial Technology and Regulatory Technology – December 2019 | Payments System | Submissions

28 Dec 2019 Submissions
Direct participants connect to the NPP directly using their own NPP payment gateway. ... Identified institutions connect to the NPP indirectly via a direct participant's NPP payment gateway.
https://www.rba.gov.au/publications/submissions/payments-system/financial-and-regulatory-technology/index.html

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

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

Inquiry into Mobile Payment and Digital Wallet Financial Services – July 2021 | Payments System | Submissions

8 May 2024 Submissions
These wallets enable consumers to make contactless (and in some cases online) payments with a smartphone or other consumer device using a digital representation of their debit and/or credit cards. ... While technology platforms have the potential to
https://www.rba.gov.au/publications/submissions/payments-system/inquiry-into-mobile-payment-and-digital-wallet-financial-services/index.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

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

Internationalisation and the Macroeconomy | Conference – 1994

11 Jul 1994 Conferences
David Gruen and Geoffrey Shuetrim
The second effect is a direct price effect. The real exchange rate appreciation makes imports cheaper. ... Clearly, the demand effect acts to increase domestic inflation while the direct price effect acts to reduce it.
https://www.rba.gov.au/publications/confs/1994/gruen-shuetrim.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Introduction

8 May 2024 Submissions
As part of its work, the Bank collects and publishes data on credit and debit cards as well as other payment methods. ... While the Bank's payments system reforms have reduced the incentive for consumers to use credit cards over debit cards, the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/introduction.html

Competition in the Payments System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
Debit card issuance is a little more concentrated than the overall card market. ... Accordingly, switching debit cards usually involves changing to a new transaction account, which can be inconvenient in terms of re-establishing direct debits and credits.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/competition-in-the-payments-system.html