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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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Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
PDF
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
Modelling Consumer Payment Behaviour for Australia
1 Jul 2009
RDP
2009-04
of the credit card and views the card more favourably; and card issuers may send pre-approved loyalty program invitations to consumers who have been heavily using credit cards. ... These cards are aimed at revolver consumers, who represent around 34 per
https://www.rba.gov.au/publications/rdp/2009/2009-04/modelling-consumer-payment-behaviour-australia.html
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A Model of Competing Payment Systems
17 Apr 2009
RDP
2009-02
merchant accepts the cards of both platforms, and those who would instead prefer to use card j over card i. ... card. Focusing without loss of generality on the cards of platform i, we see that consumers in the subsets.
https://www.rba.gov.au/publications/rdp/2009/2009-02/model-competing-payment-systems.html
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Conclusions
17 Apr 2009
RDP
2009-03
Most notably it allows for flat rather than per-transaction pricing by platforms to consumers, and endogenises card holding and acceptance decisions by both consumers and merchants. ... It thus represents a fundamental change (and one that better matches
https://www.rba.gov.au/publications/rdp/2009/2009-03/conclusions.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. ... choosing to hold both platforms’ cards and then choosing, respectively, to usecard i over card j, or vice versa, whenever a
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf
Competition Between Payment Systems: Results
15 Apr 2009
RDP
PDF
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
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
PDF
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
Theories of Loan Rate Stickiness
1 Jun 1992
RDP
9206
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/1992/9206/theories-of-loan-rate-stickiness.html
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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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Valuing Safety and Privacy in Retail Central Bank Digital Currency
4 Apr 2024
RDP
PDF
1594KB
phones, computers, or cards, just like they can at other banks already offering bank accounts. ... random phone number dialling and they were incentivised to participate with a $100 gift card.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf