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RBA Glossary definition for debit card
debit card – A debit card is a card that enables the holder to access funds in a deposit account at an authorised deposit-taking institution.
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The ATM Market in Australia
31 Dec 2012
RDP
2012-03
a) That is, the own-bank processing cost incurred by the cardholder's bank (or more generally the card issuer) that primarily reflects costs of ATM withdrawals made using a debit ... If the costs of credit functions are included, the weighted-average
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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Valuing Safety and Privacy in Retail Central Bank Digital Currency
11 Apr 2024
RDP
2024-02
People would be able to access their money using mobile phones, computers, or cards, just like they can at other banks already offering bank accounts. ... The survey asked 9,100 Australians to join via random phone number dialling and they were
https://www.rba.gov.au/publications/rdp/2024/2024-02/full.html
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A Model of Competing Payment Systems
17 Apr 2009
RDP
2009-02
Some consumers, for instance, may be particularly averse to taking on debt, and so appreciate the budgeting discipline provided by a debit card. ... Others, by contrast, may value the flexibility afforded by a credit card relative to a debit card in
https://www.rba.gov.au/publications/rdp/2009/2009-02/model-competing-payment-systems.html
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Conceptual Framework
1 Dec 1988
RDP
8811
It is therefore assumed below that all transactions will eventually be carried out using plastic cards (either debit or credit). ... As Tobin (1987) points out, this also requires that reserve requirements capture the ability of individuals to make
https://www.rba.gov.au/publications/rdp/1988/8811/conceptual-framework.html
Modelling Currency Demand in Australia
31 Dec 2013
RDP
2013-01
EFTPOS terminals also allow substitution from cash to debit cards. Working in the other direction, however, ATM providers demand more banknotes to stock the extra machines.
https://www.rba.gov.au/publications/rdp/2013/2013-01/modelling-currency-demand-australia.html
Do Australian Households Borrow to Keep up with the Joneses?
10 Nov 2022
RDP
2022-06
7,631. 7,631. 7,631. 7,631. Non-mortgage. Credit card. Hire purchase. Car. Business. ... 7,646. 7,646. 7,646. 7,646. 7,646. Non-mortgage. Credit card. Hire purchase. Car.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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Loan Rate Stickiness: Theory and Evidence
1 Jun 1992
RDP
9206
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1992/9206.html
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Research Discussion Papers – 2018
13 Feb 2018
RDP
Richard Finlay, Andrew Staib and Max Wakefield. RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases.
https://www.rba.gov.au/publications/rdp/2018/
Appendix 1: Data
1 Dec 1994
RDP
9407
Source: Treasury, “Economic Round-up”. International Freight: The price of international freight is estimated using the implicit price deflator for shipment debits in the balance of payments. ... Prior to September 1974, a measure of the implicit
https://www.rba.gov.au/publications/rdp/1994/9407/appendix-1.html
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
Debt-servicing costs also include interest payments on personal and credit card debt, and we assume households also repay 2 per cent of the principal on these additional loans each year.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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