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RBA Glossary definition for business cycle

business cycle – The period between peaks or troughs of macroeconomic activity.

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Transitional Arrangements | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 |…

8 Jun 2012 Consultations
Looking ahead, it is not clear that the switch in the direction of interchange fees necessarily affects the long-run viability of different business models, but there could be significant disruptions, ... This is most applicable for some specialist
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/transitional-arrangements.html

Consultation | Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document December 2013 | Consultations

6 Dec 2013 Consultations
At a broad level, some parties argued that authorisation requirements and prudential standards applicable to SCCIs are more onerous than warranted by the limited business they undertake. ... In addition, a number of players pointed to significant
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/consultation.html

Policy Options | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations

10 Dec 2011 Consultations
For example, acquirers may have an incentive to include a wider range of costs in the merchant service fee in order to attract the business of merchants that wish to impose
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/policy-options.html

Access Framework | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
On the other hand, allowing a new entrant conducting more traditional acquiring business to access that same bilateral rate might provide the new entrant with a competitive advantage over other more
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/access-framework.html

References | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 | Consultations

7 Jun 2011 Consultations
Emery D, T West and D Massey (2008), ‘Household Payment Patterns in Australia’, in Payments System Review Conference, Proceedings of a Conference, Reserve Bank of Australia and Centre for Business and ... Public Policy at the Melbourne Business School
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/references.html

Interchange Fees Standard | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 |…

8 Jun 2012 Consultations
The Board, however, is conscious that EPAL's business is still evolving and therefore that its interchange fee schedule and transaction mix might evolve over time. ... are well below the current cap, the EFTPOS offering and business model may evolve over
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/interchange-fees-std.html

Introduction | Strategic Review of Innovation in the Payments System: Issues for Consultation June 2011 | Consultations

7 Jun 2011 Consultations
Merchants, billers, businesses and government agencies have gained access to efficient means of collecting revenue and distributing payments, through a variety of payment systems offering different mixes of real-time confirmation, ... The focus of the
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/issues/introduction.html

Central Clearing of OTC Derivatives | Central Clearing of OTC Derivatives in Australia June 2011 | Consultations

7 Jun 2011 Consultations
Graph 1. As well as counterparty risks, the long maturity and bespoke nature of many OTC derivatives contracts can give rise to numerous life cycle events that can bring a variety ... In order to reduce some of these problems, proprietary and third-party
https://www.rba.gov.au/publications/consultations/201106-otc-derivatives/central-clearing-otc-derivatives.html

Background and Potential Issues | Review of Card System Access Regimes: A Consultation Document May 2013 | Consultations

28 May 2013 Consultations
The reform was put in place by expanding the definition of ‘banking business’ under the. ... In addition, debit card acquiring is not defined as ‘banking business’ under the.
https://www.rba.gov.au/publications/consultations/201305-review-card-sys-access-regimes/background-potential-issues.html

Snapshot of Consumer Payment Patterns in 2010 | Strategic Review of Innovation in the Payments System: Issues for Consultation June 2011 |…

7 Jun 2011 Consultations
payments. This issue, however, may be more relevant for businesses, as reflected by feedback during the initial round of consultations.
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/issues/snapshot-consumer-payment-patterns-2010.html