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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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List of tables

10 Aug 2006 SMP – August 2006
Home equity. 7.70. 0.25. – Margin loans. 8.50. 0.20. – Standard credit cards. ... 17.00. 0.25. – Low-rate/no-frills credit cards. 11.00. 0.10. Variable rates – small business.
https://www.rba.gov.au/publications/smp/2006/aug/tables.html

Domestic Financial Conditions

4 Nov 2022 SMP – November 2022
in part because consumers shifted to using debit cards rather than credit cards). ... This growth in personal credit has largely reflected increases in outstanding credit card balances, consistent with strong nominal consumption growth, and follows a
https://www.rba.gov.au/publications/smp/2022/nov/domestic-financial-conditions.html

The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

19 Jul 2020 RDP PDF 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

Appendix A: Data

1 Jun 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
Scheme credit, debit and charge card fraud perpetrated in Australia and internationally on Australia-issued cards. ... Australian Payments Clearing Association – Fraud Statistics. Debit card expenditure. The value of purchases made using debit cards
https://www.rba.gov.au/publications/rdp/2015/2015-05/appendix-a.html
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Aggregate Unemployment and Household Unsecured Debt

28 Nov 2014 Research Workshop PDF 759KB
https://www.rba.gov.au/publications/workshops/research/2014/pdf/bethunea-rocheteaub-rupert.pdf

Financial Conditions

7 May 2024 SMP – May 2024
Financial Conditions | Statement on Monetary Policy – May 2024
https://www.rba.gov.au/publications/smp/2024/may/financial-conditions.html

Box B: The Effect of Policy Rate Changes on Household Debt Servicing

10 Nov 2009 SMP – November 2009
payments on credit cards, auto loans and other non-real estate related debt. ... sharp rise in the delinquency rate on credit card repayments that has led to an increase in charge-offs, which are almost 10 per cent of outstanding balances.
https://www.rba.gov.au/publications/smp/2009/nov/box-b.html

Statement on Monetary Policy

3 Nov 2022 SMP - November 2022 PDF 7804KB
https://www.rba.gov.au/publications/smp/2022/nov/pdf/statement-on-monetary-policy-2022-11.pdf

Statement on Monetary Policy

20 Nov 2023 SMP - November 2023 PDF 9530KB
https://www.rba.gov.au/publications/smp/2023/nov/pdf/statement-on-monetary-policy-2023-11.pdf

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/