Search: card issuer
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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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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
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2354KB
combined with most card issuers supporting the storage of their cards in mobile wallets (such as. ... and terminals by card schemes, card issuers and payment service providers.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
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1746KB
US market. In an experiment, a credit card issuer sent card solicitations with varying introductory. ... card issuers’ websites in late 2016. These data are collected by the RBA for internal analysis,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
The Evolution of Payment Costs in Australia
11 Apr 2019
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1298KB
Recent innovations have included:. • The transition from using the magnetic stripe on cards to using chips for the storage of card details and transmission of these details to the terminal. • ... Countries with high cash use relative to debit card
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf
Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
9 Sep 2020
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1619KB
types of card.18 Australian consumers are increasingly using these cards instead of cash to make. ... Occhiutto 2020). When choosing to pay with a card, Australian consumers have increasingly been using debit cards,.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf
How Australians Pay: Evidence from the 2016 Consumer Payments Survey
24 Jul 2017
RDP
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1438KB
if, for example, they had access to the appropriate technology and card issuer. ... they can handle card payments, potentially lowering the overall cost of accepting cards.20 Similarly,.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
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1940KB
incentives for RMBS issuers to only include high-quality loans) may plausibly bias this multiple higher. ... a tight relationship between the unemployment rate and credit card loss rates during stress events.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
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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
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
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1853KB
Elul et al (2010) use borrowers’ credit card data as a proxy for liquidity constraints. ... Issuers of securitisations may also face incentives to disproportionately select certain types of loans,.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
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1641KB
Abstract. The Reserve Bank of Australia is the sole issuer and redeemer of Australian banknotes. ... 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
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
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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