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.
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
9 Sep 2020
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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
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
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1659KB
consumption (car debt and credit card debt). And while investment debt may generate dividend. ... Non-mortgage. Credit card Hire purchase Car Business Investment. Gini coefficient –0.22.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
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262KB
5.5 Credit Card Price Incentives and the Use of Debit Cards and Cash 34. ... Credit cards are used relatively more at higher income levels, while debit card use.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf
Read me file for Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
10 Sep 2020
RDP
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457KB
RDP 2020-06 supplementary information
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-read-me.pdf
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
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1853KB
Elul et al (2010) use borrowers’ credit card data as a proxy for liquidity constraints. ... to defaulting. The calculation does not take into account additional debts, such as credit card debts or debts with.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
RDP
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1641KB
interest rates. Unlike card payments, however, the value of cash payments is not observed directly. ... 16. Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by businesses using debit cards; dashed line indicates
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-12.pdf
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
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819KB
High risk credit card borrowers, on the other hand, are more likely to be interest rate sensitive because they fully intend to borrow on their cards. ... When a customer wishes to change credit cards, the new issuer may require her to pay off the balance
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9206.pdf
Is the Phillips Curve Still a Curve? Evidence from the Regions
29 Aug 2021
RDP
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1706KB
Is the Phillips Curve Still a Curve? Evidence from the Regions. James Bishop and Emma Greenland. Research Discussion Paper. R DP 2021- 09. Figures in this publication were generated using Mathematica. ISSN 1448-5109 (Online). The Discussion Paper
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-09.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
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728KB
Mortgage status %%. 2010. Credit card paymentbehaviour. Doesn’tpay off. Pays offNo cardBehindAbout onAhead. ... credit card ordid not always pay off the entire balance of their credit card each month.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Competition Between Payment Systems: Results
15 Apr 2009
RDP
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273KB
6. and the fractions of those choosing to hold both cards who will then prefer to usecard i over card j, or vice versa, at the moment of sale. ... ci, j;i) outnumber, sometimes by a significant margin, those who. hold both cards but prefer to use card j
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-03.pdf