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RBA Glossary definition for interchange fee
interchange fee – A fee paid between card issuers and acquirers when cardholders make transactions.
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The Australian Financial System in the 1990s | Conference – 2000
21 Jun 1990
Conferences
Second, fees such as interchange fees are set by each credit card scheme, thus limiting the scope for individual banks within the scheme to adjust fees unilaterally. ... Scheme-wide rules notwithstanding, there is little incentive for a bank to
https://www.rba.gov.au/publications/confs/2000/gizycki-lowe.html
Statistical Method for Estimating Willingness to Pay
19 Apr 2024
RDP
2024-02
and. β. 3. measure respondents' average sensitivity to the difference in the accounts' fees, provider, and privacy settings. ... 5. α. 2. /. α. 1. (where the 5 comes from the difference in account fees).
https://www.rba.gov.au/publications/rdp/2024/2024-02/statistical-method-for-estimating-willingness-to-pay.html
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Appendix A: Survey Methodology
27 Nov 2023
RDP
2023-08
Along with their payments, respondents were asked to include details of cash top-ups, including the value of any ATM fee paid. ... Date. Day-of-week. Cash top-up amount. ATM fee paid (dollar amount). Total value of banknotes in wallet after top-up.
https://www.rba.gov.au/publications/rdp/2023/2023-08/appendix-a.html
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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Banks can also respond endogenously by increasing their non-interest income (for example, fee income) and reducing their costs of operating. ... For instance, banks can pivot to Non-II-generating activities as well as increase their fees.
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
In some jurisdictions, banks have increased fees to offset the cost of the ELB (CGFS 2019). ... To date, there is no evidence of Australian banks increasing fees to compensate for the deposit rate ELB (Sparks and Garner 2021).
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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The Term Funding Facility: Has It Encouraged Business Lending?
13 Dec 2022
RDP
2022-07
The overall price of the scheme may also incorporate additional fees or discounts that vary depending on certain criteria, and, in some cases, the price has been used to incentivise banks
https://www.rba.gov.au/publications/rdp/2022/2022-07/full.html
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The Yield and Market Function Effects of the Reserve Bank of Australia's Bond Purchases
24 May 2022
RDP
2022-02
Research Discussion Paper – RDP 2022-02 The Yield and Market Function Effects of the Reserve Bank of Australia's Bond Purchases. Richard Finlay, Dmitry Titkov and Michelle Xiang. May 2022. 1.89. MB. 1. Introduction. This paper focuses on three
https://www.rba.gov.au/publications/rdp/2022/2022-02/full.html
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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
In some jurisdictions, banks have increased fees to offset the deposit lower bound (Hack and Nicholls 2021).
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
There may also be fees associated with redrawing money from the loan and limits on how often the redraw facility is used.
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Job Loss, Subjective Expectations and Household Spending
18 Aug 2021
RDP
2021-08
Home repairs, renovation and maintenance. Healthcare fees and products. Utilities. Telecommunications. ... Education fees. Insurance. Weekly. Groceries. Meals eaten out. Source: HILDA Survey Release 19.0.
https://www.rba.gov.au/publications/rdp/2021/2021-08/full.html
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