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.
Search Results
Credit Losses at Australian Banks: 1980–2013
8 May 2015
RDP
PDF
1495KB
It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example). ... Losses on personal lending, such as credit cards and non-housing term loans, were non-negligible, but appear
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-06.pdf
Do Interest Rates Affect Business Investment? Evidence from Australian Company-level Data
27 Apr 2018
RDP
PDF
1257KB
The companies facing. higher interest rates could be relying on more expensive forms of borrowing, such as credit cards or overdrafts,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-05.pdf
Trends in the Australian Banking System: Implications for Financial System Stability and Monetary Policy
1 Dec 2009
RDP
PDF
156KB
0.4. 0.5. 0.6. 19921990 1994 1996 1998. RatioRatio. Unbundling occurred across many types of services, including the provision ofmortgage finance, payment services (through credit cards) and deposits (forexample, ... Also, theANZ Banking Group has
https://www.rba.gov.au/publications/rdp/1999/pdf/rdp1999-05.pdf
The Effect of Consumer Sentiment on Consumption
21 Nov 2016
RDP
PDF
1429KB
Research Discussion Paper. The Effect of Consumer Sentiment on Consumption. Christian Gillitzer and Nalini Prasad. RDP 2016-10. Figures in this publication were generated using Mathematica. The contents of this publication shall not be reproduced,
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-10.pdf
The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
PDF
179KB
Housing rate. Personal instalment rate. Credit card rate. Lending ratesDeposit rates %%. 4. 8. 12. 16. 20. 24. Cash rate. 2-yr treasury bonds. ... The stickiest interest rate is the rate on credit cards. BetweenJanuary 1986 and October 1994, the credit
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
Home Prices and Household Spending
2 Feb 2015
RDP
PDF
732KB
This argument is supported by the cross-tabulations in Figure 2, which show the mean ratios of home loans to home prices and the mean ratios of unsecured credit card debts
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-04.pdf
The Household Cash Flow Channel of Monetary Policy
14 Dec 2016
RDP
PDF
1053KB
Credit cards 1.7 0.0 1.0. Other debt (e.g. student debt) 4.6 0.0 2.7. ... amounts of debt (usually in the form of credit cards) and hence are still defined as ‘lenders’.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-12.pdf
THE 1930'S AND THE 1980'S: SOME FACTS P.D. Jonson ...
23 Feb 2017
RDP
PDF
1608KB
THE 1930'S AND THE 1980'S: SOME FACTS. P.D. Jonson and G.R. Stevens. Reserve Bank of Australia. Research Discussion Paper. 8303. September 1983. The views expressed herein are solely those of the author(s) and are not necessarily shared by the
https://www.rba.gov.au/publications/rdp/1983/pdf/rdp8303.pdf
Estimating Marginal Propensities to Consume in Australia Using Micro Data
27 Nov 2009
RDP
PDF
252KB
We do not account for theeffect that servicing any credit card debt will have on consumption. ... that nolonger hold a credit card; although this does not imply a causal relationship.23.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-07.pdf
ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia
28 Jan 2015
RDP
PDF
739KB
issuer) that primarily reflects costs of ATM withdrawals made using a debit card. ... If the costs of credit functions are included, the weighted-average card issuer cost is $0.04 higher.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-03.pdf