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RBA Glossary definition for PIN

PIN – Personal Identification Number

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Consumer And Merchant Benefits Of Cardholding And Use | Reform of Credit Card Schemes in Australia: II Commissioned Report

9 Mar 2023
On-line debit refers to debit cards that require the buyer to type his or her Personal Identification Number (PIN) on a PIN pad as part of the authorization process.
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/benefits-cardholding.html

Recommended Option | Reform of the EFTPOS and Visa Debit Systems in Australia: Final Reforms and Regulation Impact Statement

9 Mar 2023
In submissions, merchants argued that reducing the EFTPOS interchange fee would limit their scope to recover their investment in PIN pads and associated infrastructure and, as a result, they might invest
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/impact-stmt-apr06/recommend.html

The Board's Assessment | Reform of Australia's Payments System: Preliminary Conclusions of the 2007/08 Review – April 2008

9 Mar 2023
This is very low compared with overseas jurisdictions in which chip and PIN have been implemented, most notably the United Kingdom. ... Furthermore, countries with higher interchange fees than Australia, most notably the United States, have not upgraded
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/review-0708-pre-conclusions/board-assessment.html

Glossary of Terms and Abbreviations | Preliminary Conclusions of the 2007/08 Review – April 2008

9 Mar 2023
EFTPOS. Electronic Funds Transfer at Point of Sale. In Australia, EFTPOS transactions are authorised by personal identification number (PIN) and make use of processing infrastructure owned and operated by the domestic
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/review-0708-pre-conclusions/glossary.html

The Board's Assessment | Preliminary Conclusions of the 2007/08 Review – April 2008

9 Mar 2023
This is very low compared with overseas jurisdictions in which chip and PIN have been implemented, most notably the United Kingdom. ... Furthermore, countries with higher interchange fees than Australia, most notably the United States, have not upgraded
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/review-0708-pre-conclusions/board-assessmt.html

The Board's Response | Reform of Australia's Payments System: Conclusions of the 2007/08 Review – September 2008

9 Mar 2023
Interchange fees in the ATM system are soon to be set at zero and, if scheme debit systems were to introduce cash out (which may be possible now that PINs can
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/review-0708-conclusions/the-boards-response.html

Consultation on the Preliminary Conclusions | Reform of Australia's Payments System: Conclusions of the 2007/08 Review – September 2008

9 Mar 2023
A submission on behalf of the Australian Merchant Payments Forum noted the ‘dramatic increases’ in PIN debit interchange fees in similar circumstances in the United States.
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/review-0708-conclusions/consultation-on-the-preliminary-conclusions.html

Explanatory Notes for Completing Retail Payments Statistics Forms

28 Feb 2023 PDF 1009KB
The transaction may involve the cardholder entering a PIN (or in some circumstances a signature) and contactless payments. ... acceptance terminal and any paper-based back-up arrangements. The transaction. may or may not involve the cardholder entering a
https://www.rba.gov.au/payments-and-infrastructure/resources/pdf/rps-reporting-forms-and-explanatory-notes.pdf

Central Bank Frameworks: Evolution or Revolution?

4 Jan 2023 Conferences PDF 7522KB
RBA Conference Volume 2018
https://www.rba.gov.au/publications/confs/2018/pdf/rba-conference-volume-2018.pdf

The Real Effects of Debt Covenants: Evidence from Australia

25 Oct 2022 RDP 2022-05
Kim Nguyen
Similarly, I attempt to pin down the ex post effect by comparing the control group (previously and currently exposed to debt covenants but no breaches) with the treatment group (previously and
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
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