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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey

21 Nov 2023 RDP PDF 2354KB
in the figures cited for debit and credit card payments; these cards were used for less than per cent of the number. ... being more likely to meet the lending standards for a credit card, as well as debit cards and cash.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf

Price Incentives and Consumer Payment Behaviour

17 Aug 2009 RDP PDF 262KB
5.5 Credit Card Price Incentives and the Use of Debit Cards and Cash 34. ... Credit cards are used relatively more at higher income levels, while debit card use.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf

The Evolution of Payment Costs in Australia

11 Apr 2019 RDP PDF 1298KB
13. than cards (MasterCard 2014); or the costs to individuals experiencing credit stress from credit cards. ... These rankings of cash, debit cards, credit cards and cheques are broadly consistent with overseas studies and the 2007 study.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf

Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
RDP 2015-06: Credit Losses at Australian Banks: 1980–2013 2. Measuring Credit Losses. ... It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example).
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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How Australians Pay: Evidence from the 2016 Consumer Payments Survey

24 Jul 2017 RDP PDF 1438KB
with growth in debit card payments outpacing that in credit cards since the mid 2000s.11 There are. ... debit card payments (2.5 per cent). This difference is consistent with credit cards tending to be.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf

Credit Loss Modelling

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of households to service debt obligations and, thus, probability of default (Banerjee and ... Indicative of this, there has
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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Macrofinancial Stress Testing on Australian Banks

13 Sep 2023 RDP PDF 1940KB
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of. ... 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

Valuing Safety and Privacy in Retail Central Bank Digital Currency

4 Apr 2024 RDP PDF 1594KB
surcharges to use debit cards and credit cards, rather than cash. ... household internet access, and credit card usage. The survey asked 9,100 Australians to join via.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf

Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

9 Sep 2020 RDP PDF 1619KB
not included in the figures cited for debit and credit card payments; these cards were used for less than 1 per cent of. ... debit card, compared to 21 per cent in 2016. In contrast, respondents used credit cards slightly less frequently than they did
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf

The Changing Way We Pay: Trends in Consumer Payments

4 Feb 2015 RDP PDF 1225KB
Feedback from participants in the study suggests that some respondents may have confused debit cards from MasterCard and Visa with these schemes’ credit cards, particularly when making a debit card payment ... No. MasterCard/Visa credit card. American
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf