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RBA Glossary definition for smart card

smart card – Also known as a chip card or IC (integrated circuit) card. A card containing one or more computer chips or integrated circuits for identification, data storage or special-purpose processing used to validate personal identification numbers (PINs), authorise purchases, verify account balances and store personal records.

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Innovation

1 Nov 1984 RDP 8402
Lindsay F. Boulton and Warren J. Tease
COSTELLO, J. “‘Smart Card’ Goes Ahead in France: A Microprocessor in Plastic Pays the Bills”. ... No. 3, 1980, pp.27–30. MAYER, M. “Here Comes the Smart Card”.
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
76, 1967, pp.889-892. RUSSELL, T. The Economics of Bank Credit Cards.
https://www.rba.gov.au/publications/rdp/1984/pdf/rdp8402.pdf

Card Payments

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
2019. 2022. All card payments. 4.7. 7.3. Credit cards. 5.5. 7.3. ... Debit cards. 4.3. 7.3. Reward cardholder status. Owns a rewards card.
https://www.rba.gov.au/publications/rdp/2023/2023-08/card-payments.html
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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

9 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Moreover, most cardholders, including those who receive a net benefit, appear not to choose cards that best suit their use patterns – for instance, I estimate that consumers who use their card ... Finally, I find that around half of the respondents who
https://www.rba.gov.au/publications/rdp/2018/2018-11.html
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Payment Cards

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Opal cards can be topped up in a number of ways, including by making an online or in-person card payment. ... the cards that they held, rather than selecting the type of card (i.e.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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Appendix C: Credit Card Holding and Rewards Program Membership

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
RDP 2015-03: The Value of Payment Instruments: Estimating Willingness to Pay and Consumer Surplus Appendix C: Credit Card Holding and Rewards Program Membership. ... Holds a credit card. Member of rewards program. Coefficient. Marginal effect.
https://www.rba.gov.au/publications/rdp/2015/2015-03/appendix-c.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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Understanding Merchants' and Consumers' Card Choices

17 Apr 2009 RDP 2009-02
George Gardner and Andrew Stone
is the (relatively high) effective per-transaction price that a consumer who holds both cards, but who would prefer to use card i over card j, faces for card j transactions. ... would gain from being able to switch his or her card payments from platform
https://www.rba.gov.au/publications/rdp/2009/2009-02/understanding-merchants.html
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

14 Sep 2020 RDP 2020-06
James Caddy, Luc Delaney and Chay Fisher
5.2 Contactless Card Payments and Mobile Wallets. The way in which consumers use their cards has changed significantly over the past decade or so. ... All card payments. 3.9. Credit cards. 5.0. Debit cards. 3.4. Reward cardholder status.
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.html
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Private Net Costs

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
complimentary insurance) that credit cards offer (although this is before taking into account interest payments for customers who carry a balance on their credit card). ... For merchants, the private costs of credit cards are lower for card-present
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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