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RBA Glossary definition for direct debit
direct debit – A pre-authorised debit on the payer's bank account initiated by the recipient (payee).
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Other Remote Payment Methods
31 Dec 2014
RDP
2014-05
direct debit – where an individual gives prior authorisation to a merchant for payments to be automatically deducted from their bank account. ... BPAY and direct debit together account for around half of all bill payments; internet and phone banking
https://www.rba.gov.au/publications/rdp/2014/2014-05/oth-rem-pay-meth.html
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Read me file for Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
10 Sep 2020
RDP
PDF
457KB
RDP 2020-06 supplementary information
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-read-me.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
PDF
262KB
at the expense of alternative payment methods, such as debit cards and cash. ... 75. 2008. NoNo. Debit card. Cheque Direct credit. Credit card. Direct debit.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf
The ATM Market in Australia
31 Dec 2012
RDP
2012-03
A year on from the reform, direct fees had largely stayed at this level (Filipovski and Flood 2010). ... $2.00). $0.10. ($0.00). $0.00. ($0.00). $0.00. ($0.00). Direct fee. $0.00. ($0.00).
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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Valuing Safety and Privacy in Retail Central Bank Digital Currency
4 Apr 2024
RDP
PDF
1594KB
survey-based investigations of privacy, to varying degrees. Although we caution about studying privacy attitudes with direct survey questions, there is one such. ... Some. proposed CBDC designs do involve a more direct relationship between the central
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf
Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
cash; in most other respects, credit cards provide very similar functionality to debit cards. ... search costs, time spent applying. for a new card and transferring any direct debits), there may also be behavioural barriers.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
The Social Costs of Currency Counterfeiting
1 May 2015
RDP
PDF
881KB
direct loss; and the wider public can lose confidence in the functionality of the currency. ... data. Deposit account transactions could be made using a proprietary debit card (e.g.
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.pdf
Literature
11 Sep 2015
RDP
2015-03
Borzekowski, Kiser and Ahmed (2008) used survey data on debit card adoption and use to evaluate how US consumers reacted to per-transaction prices on card payments. ... 2.3 per cent surcharge on small-value payments would increase the use of debit cards
https://www.rba.gov.au/publications/rdp/2015/2015-03/literature.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
Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by businesses using debit cards; dashed line indicates points that have been interpolated or extrapolated; dots indicate direct ... Banknote lodgements, on the
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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A Model of Competing Payment Systems
17 Apr 2009
RDP
2009-02
and. to merchants for the use of their cards. Thus, for platform i, each consumer that subscribes generates direct revenue. ... Some consumers, for instance, may be particularly averse to taking on debt, and so appreciate the budgeting discipline
https://www.rba.gov.au/publications/rdp/2009/2009-02/model-competing-payment-systems.html
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