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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Credit Losses at Australian Banks: 1980–2013
8 May 2015
RDP
PDF
1495KB
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). ... Losses on personal lending, such as credit cards and non-housing term loans, were non-negligible, but appear
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-06.pdf
The Effect of Consumer Sentiment on Consumption
21 Nov 2016
RDP
PDF
1429KB
Research Discussion Paper. The Effect of Consumer Sentiment on Consumption. Christian Gillitzer and Nalini Prasad. RDP 2016-10. Figures in this publication were generated using Mathematica. The contents of this publication shall not be reproduced,
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-10.pdf
Do Interest Rates Affect Business Investment? Evidence from Australian Company-level Data
27 Apr 2018
RDP
PDF
1257KB
The companies facing. higher interest rates could be relying on more expensive forms of borrowing, such as credit cards or overdrafts,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-05.pdf
Monetary Transmission in a Deregulated Financial System
19 Nov 2012
RDP
PDF
825KB
plastic cards (either debit or credit). The model conclusions do not depend on this. ... cards. The central bank would, therefore, need "to set reserve requirements as a.
https://www.rba.gov.au/publications/rdp/1988/pdf/rdp8811.pdf
Home Prices and Household Spending
2 Feb 2015
RDP
PDF
732KB
This argument is supported by the cross-tabulations in Figure 2, which show the mean ratios of home loans to home prices and the mean ratios of unsecured credit card debts
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-04.pdf
Non-technical summary for 'The Role of Collateral in Borrowing'
15 Jan 2021
RDP
PDF
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 Household Cash Flow Channel of Monetary Policy
14 Dec 2016
RDP
PDF
1053KB
Credit cards 1.7 0.0 1.0. Other debt (e.g. student debt) 4.6 0.0 2.7. ... amounts of debt (usually in the form of credit cards) and hence are still defined as ‘lenders’.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-12.pdf
THE 1930'S AND THE 1980'S: SOME FACTS P.D. Jonson ...
23 Feb 2017
RDP
PDF
1608KB
THE 1930'S AND THE 1980'S: SOME FACTS. P.D. Jonson and G.R. Stevens. Reserve Bank of Australia. Research Discussion Paper. 8303. September 1983. The views expressed herein are solely those of the author(s) and are not necessarily shared by the
https://www.rba.gov.au/publications/rdp/1983/pdf/rdp8303.pdf
Financial Decisions and Home Valuation Differences
12 Dec 2014
RDP
2014-04
Specifically, we consider the average level of renters' spending, non-housing debt (credit cards and personal loans) and the average share of wealth held in equities (Table 4).
https://www.rba.gov.au/publications/rdp/2014/2014-04/fin-dec-hom.html
Appendix A: Data Details
12 Sep 2014
RDP
2014-06
cards, more frequently.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html