Search: dual-network card
RBA Glossary definition for dual-network card
dual-network card – A payment card that can be used to initiate transactions, typically from the same deposit account, for two different payment processing networks. For example, a debit card (sometimes also known as an ATM card) that can be used to make a payment via either the eftpos network or one of the international scheme networks. These cards usually have an international scheme logo (Mastercard or Visa) on one side and the eftpos logo on the other.
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Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
RDP
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1641KB
interest rates. Unlike card payments, however, the value of cash payments is not observed directly. ... 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
Competition Between Payment Systems: Results
15 Apr 2009
RDP
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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
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. ... to defaulting. The calculation does not take into account additional debts, such as credit card debts or debts with.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
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728KB
Mortgage status %%. 2010. Credit card paymentbehaviour. Doesn’tpay off. Pays offNo cardBehindAbout onAhead. ... credit card ordid not always pay off the entire balance of their credit card each month.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Non-technical summary for 'The Role of Collateral in Borrowing'
15 Jan 2021
RDP
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417KB
RDP 2021-01 non-technical summary
https://www.rba.gov.au/publications/rdp/2021/2021-01/rdp-2021-01-non-technical-summary.pdf
The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
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179KB
Housing rate. Personal instalment rate. Credit card rate. Lending ratesDeposit rates %%. 4. 8. 12. 16. 20. 24. Cash rate. 2-yr treasury bonds. ... The stickiest interest rate is the rate on credit cards. BetweenJanuary 1986 and October 1994, the credit
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
A Tale of Two Surveys: Household Debt and Financial Constraints in Australia
2 Dec 2009
RDP
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168KB
Credit cards –0.19 1.2 1 card –2.3. Credit card interest 0.55 31.2% Pays interest 4.9. ... 23. Figure 11: Marginal Effect of Credit Card Ownership. Predicted probability of being financially constrained.
https://www.rba.gov.au/publications/rdp/2003/pdf/rdp2003-08.pdf
Stress Testing the Australian Household Sector Using the HILDA Survey
5 Mar 2015
RDP
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1095KB
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 upward pressure for credit card ... Additionally, the assumption that interest rates on credit cards
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-01.pdf
Estimating Marginal Propensities to Consume in Australia Using Micro Data
27 Nov 2009
RDP
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252KB
We do not account for theeffect that servicing any credit card debt will have on consumption. ... that nolonger hold a credit card; although this does not imply a causal relationship.23.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-07.pdf
ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia
28 Jan 2015
RDP
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739KB
ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia. ... issuer) that primarily reflects costs of ATM withdrawals made using a debit card.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-03.pdf