Search: smart card
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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References
31 Dec 2004
RDP
2004-05
Seasholes MS (2001), ‘Smart foreign traders in emerging markets,’ unpublished working paper, University of California, Berkeley.
https://www.rba.gov.au/publications/rdp/2004/2004-05/references.html
Measuring Credit Losses
31 Dec 2015
RDP
2015-06
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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Appendix A: Effectiveness of Australian Intervention – A Survey
31 Dec 2004
RDP
2004-06
The central bank could use publicly announced intervention operations to coordinate ‘smart money’ traders to enter the market together and break the bubble (Sarno and Taylor 2001, p 863).
https://www.rba.gov.au/publications/rdp/2004/2004-06/appendix-a.html
Appendix 1: Unit Root Tests
1 May 1995
RDP
9504
0.48. 0.70. 2.36. 2.73. 2.73. 2.61. Credit card rate. 0.40. 0.06.
https://www.rba.gov.au/publications/rdp/1995/9504/appendix-1.html
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The Changing Way We Pay: Trends in Consumer Payments
4 Feb 2015
RDP
PDF
1225KB
5. Cards 16 5.1 Contactless Card Use at the Point of Sale 18. ... No. MasterCard/Visa credit card. American Express/Diners Club card. All cards Debit card.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf
Is Declining Union Membership Contributing to Low Wages Growth?
2 Apr 2019
RDP
PDF
1832KB
between union and non-union jobs, and mismeasurement of union status (Freeman 1984; Card 1996; Hirsch 2004). ... Card 1996; LaLonde, Marschke and Troske 1996; DiNardo and Lee 2004).
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-02.pdf
Appendix B: Auxiliary Regressions
12 Dec 2014
RDP
2014-03
0.44. 0.87. Number of credit cards. 0.23. 0.05. Personal credit status. ... No of credit cards. 3.9. 3.7. 0.6. 3.8. 3.8. 0.2. Personal debt.
https://www.rba.gov.au/publications/rdp/2014/2014-03/appendix-b.html
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Stress Testing the Australian Household Sector Using the HILDA Survey
5 Mar 2015
RDP
PDF
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
Non-technical summary for 'Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey'
9 Sep 2020
RDP
PDF
612KB
RDP 2020-06 non-technical summary
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-non-technical-summary.pdf
References
31 Dec 2015
RDP
2015-15
Download the Paper 4.72. MB. Abowd JM and D Card (1989), ‘On the Covariance Structure of Earnings and Hours Changes’,.
https://www.rba.gov.au/publications/rdp/2015/2015-15/references.html
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