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Appendix A: Data
1 Jun 2015
RDP
2015-05
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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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes
1 Dec 2018
RDP
2018-12
Data from the CPS show a steady shift away from cash as a means of payment over the past decade, driven by an increasing use of cards (credit and debit) to ... Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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Consumption Behavior across the Distribution of Liquid Assets
19 Dec 2023
Research Workshop
PDF
2239KB
RBA Workshop 2023
https://www.rba.gov.au/publications/workshops/research/2023/pdf/rba-workshop-2023-graham-mcdowall.pdf
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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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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Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
RDP
PDF
1641KB
driven by an increasing use of cards (credit and debit) to carry out in-person payments (Figure 2). ... 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
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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Competition Between Payment Systems
15 Apr 2009
RDP
PDF
243KB
theevent that a merchant accepts the cards of both platforms, and those who wouldinstead prefer to use card j over card i. ... Some consumers, for instance, may be particularly averse to taking on debt,and so appreciate the budgeting discipline provided
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf
Non-technical summary for 'Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey'
9 Sep 2020
RDP
PDF
612KB
RDP 2020-06 non-technical summary
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-non-technical-summary.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