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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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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

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

The Social Costs of Currency Counterfeiting

1 May 2015 RDP PDF 881KB
Finally, the response of the stock of credit card debt is also positive which suggests that the public also increase their use of credit cards following a shock. ... We would expect the counterfeiting shock to reduce the demand for banknotes and increase
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.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

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

The Social Costs of Currency Counterfeiting

1 Jun 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
This gives rise to two additional sources of social costs. First, currency issuers generate revenue through the issuance of banknotes, otherwise known as seigniorage. ... In Australia, studies have found that the average-sized cash transaction incurs
https://www.rba.gov.au/publications/rdp/2015/2015-05/social-costs-currency-counterfeiting.html
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Conclusions

17 Apr 2009 RDP 2009-03
George Gardner and Andrew Stone
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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Theories of Loan Rate Stickiness

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
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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Cards

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
In addition, new card technologies appear to have influenced consumers to make greater use of cards. ... Contactless card payment technology has been widely adopted in Australia since 2010 and appears to have encouraged greater use of cards at the point
https://www.rba.gov.au/publications/rdp/2014/2014-05/cards.html
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Up to 1950: Largely Publicly Owned Issuers

31 Dec 2012 RDP 2012-09
Susan Black, Joshua Kirkwood, Alan Rai and Thomas Williams
RDP 2012-09: A History of Australian Corporate Bonds 3. Up to 1950: Largely Publicly Owned Issuers. ... 2009). The modest private bond issuance that did occur was mostly to fund mining investment; corporations that later went on to become BHP were the
https://www.rba.gov.au/publications/rdp/2012/2012-09/largely-publicly-owned-issuers.html
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