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22 Jul 2020
RDP
2020-03
Lower financial literacy may also be correlated with the presence of consumer debts, such as credit cards, that may lower borrowers' ability-to-pay threshold (Disney and Gathergood 2013).
https://www.rba.gov.au/publications/rdp/2020/2020-03/results.html
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How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
Similarly, Jordà, Schularick and Taylor (2013) and Mian, Sufi and Verner (2017) conclude that recessions preceded by rapid credit growth tend to be deeper than others, even when the financial sector ... Debt-servicing costs also include interest
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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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
Innovation
1 Nov 1984
RDP
8402
FEDERAL RESERVE SYSTEM. “Bank Credit-Card and Check-Credit Plans”. A Federal Reserve System Report. , ... Federal Reserve System, Washington, 1968. FEDERAL RESERVE SYSTEM. “Credit Cards in the U.S.
https://www.rba.gov.au/publications/rdp/1984/8402/innovation.html
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FINANCIAL INNOVATION BIBLIOGRAPHY compiled by Lindsay F. Boultori and ...
14 Oct 2014
RDP
PDF
2298KB
SASTRY, A.S.R. "The Effects of Credit on Transactions Demand for Cash". ... 76, 1967, pp.889-892. RUSSELL, T. The Economics of Bank Credit Cards.
https://www.rba.gov.au/publications/rdp/1984/pdf/rdp8402.pdf
Data
23 Dec 2016
RDP
2016-12
6.9. 0.0. 4.0. Fixed-rate business debt. 3.2. 0.0. 1.9. Credit cards. ... More than two-thirds of households hold some form of debt, but many hold only small amounts of debt (usually in the form of credit cards) and hence are still defined
https://www.rba.gov.au/publications/rdp/2016/2016-12/data.html
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Competition Between Payment Systems
15 Apr 2009
RDP
PDF
243KB
14. on some features of competition between four-party credit card schemes (such asMasterCard and Visa). ... Others, bycontrast, may value the flexibility afforded by a credit card relative to a debit cardin managing intra-month cash flow constraints.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf
Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
RDP
PDF
1641KB
driven by an increasing use of cards (credit and debit) to carry out in-person payments (Figure 2). ... 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
Method
11 Sep 2015
RDP
2015-01
and P and C are the estimated interest payments on personal and credit card debt, respectively. ... Losses are assumed to be borne in order of credit cards, other personal loans and mortgages; this puts downward pressure on LGDs for housing loans and
https://www.rba.gov.au/publications/rdp/2015/2015-01/method.html
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The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
2 The main groups are banks, merchant banks, finance companies, building societies, credit. ... In theUnited States, where disintermediation has been a feature of the financial system fora decade or more, almost two-thirds of residential mortgages and
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf