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RBA Glossary definition for card issuer
card issuer – An institution that provides its customers with debit or credit cards.
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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
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1746KB
US market. In an experiment, a credit card issuer sent card solicitations with varying introductory. ... card issuers’ websites in late 2016. These data are collected by the RBA for internal analysis,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
The Evolution of Payment Costs in Australia
11 Apr 2019
RDP
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1298KB
Recent innovations have included:. • The transition from using the magnetic stripe on cards to using chips for the storage of card details and transmission of these details to the terminal. • ... Countries with high cash use relative to debit card
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf
The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
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2354KB
combined with most card issuers supporting the storage of their cards in mobile wallets (such as. ... and terminals by card schemes, card issuers and payment service providers.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
How Australians Pay: Evidence from the 2016 Consumer Payments Survey
24 Jul 2017
RDP
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1438KB
if, for example, they had access to the appropriate technology and card issuer. ... they can handle card payments, potentially lowering the overall cost of accepting cards.20 Similarly,.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf
Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
9 Sep 2020
RDP
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1619KB
types of card.18 Australian consumers are increasingly using these cards instead of cash to make. ... Occhiutto 2020). When choosing to pay with a card, Australian consumers have increasingly been using debit cards,.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
significant incentive to use credit cards over other payment methods. The rewards programs offered by credit card issuers are due in large part to the existence of. ... This. enables issuers to pay more generous incentives to holders of these cards; card
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Submission to the ACCC: Reform of Debit Card (EFTPOS) Interchange Fees - 21 March 2003
7 May 2008
Submissions
PDF
26KB
Reform of Debit Card (EFTPOS) Interchange Fees
https://www.rba.gov.au/publications/submissions/payments-system/eftpos-interchange-fees/pdf/eftpos-interchange-fees.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
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262KB
Credit cards are used relatively more at higher income levels, while debit card use. ... views the card more favourably; and card issuers may send pre-approved loyalty program invitations to consumers who have been heavily using credit cards.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
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1940KB
incentives for RMBS issuers to only include high-quality loans) may plausibly bias this multiple higher. ... a tight relationship between the unemployment rate and credit card loss rates during stress events.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
Reforms to the Payment Systems (Regulation) Act 1998
1 Dec 2023
Submissions
PDF
446KB
Submission to Consultation on Exposure Draft Legislation
https://www.rba.gov.au/publications/submissions/payments-system/pdf/reforms-to-the-payment-systems-regulation-nov-2023.pdf