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RBA Glossary definition for Pillar 1
Pillar 1 – The New Basel Capital Accord, issued by the Basel Committee on Banking Supervision, aims to improve the flexibility and risk sensitivity of the existing Accord. The New Accord consists of three mutually reinforcing pillars. Pillar 1 sets out the framework for revised minimum capital requirements, building-in rewards for stronger and more accurate risk management.
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Proposed merger between Armaguard and Prosegur – October 2022 | Responses and Options Paper
8 May 2024
Submissions
Graph 1. Further, cash is an important back-up for electronic payment methods and is used as a store of wealth. ... Table 1: Stylised Models of the CIT Industry. Model 1 Traditional CIT model.
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-october-2022/index.html
Applications for Authorisation in Relation to PIN@POS – Auguest 2013 | Payments System | Submissions
8 May 2024
Submissions
Download the complete Submission 1.1. MB. 65 Martin Place. Sydney NSW 200. ... of all scheme card fraud in 2012 and has grown rapidly in recent years (Graph 1).
https://www.rba.gov.au/publications/submissions/payments-system/applications-for-authorisation-re-pin@pos-2013-08/index.html
Inquiry into Mobile Payment and Digital Wallet Financial Services – July 2021 | Payments System | Submissions
8 May 2024
Submissions
person card transactions in late 2019, compared to 2 per cent when the previous CPS was conducted in late 2016 (Graph 1). ... Graph 1. Mobile payment services can in principle use a range of technologies to facilitate in-person payments but the most
https://www.rba.gov.au/publications/submissions/payments-system/inquiry-into-mobile-payment-and-digital-wallet-financial-services/index.html
Proposed Merger Between Armaguard and Prosegur – April 2023 | Responses and Options Paper
8 May 2024
Submissions
It shows a further, significant step-down in cash usage compared to three years ago (Graph 1). ... Graph 1. The Reserve Bank also noted in its Previous Submission that the proposed transaction is one option that may achieve a more viable industry
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-april-2023/index.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
8 May 2024
Submissions
Of this amount, $33.1 billion, or around 65 per cent was bearing interest. ... that pay interest is estimated at about 17 per cent, down about 1 percentage point from 2011.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit Cards as Payment Instruments
8 May 2024
Submissions
A typical card transaction (Figure 1) involves four parties – the cardholder, the cardholder's financial institution (the issuer), the merchant and the merchant's financial institution (the acquirer). ... large merchants to 2 per cent for the highest
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-as-payment-instruments.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-References
8 May 2024
Submissions
Download 906. KB. References. Ausubel L (1991), ‘The Failure of Competition in the Credit Card Market’, The American Economic Review, 81(1), pp 50–81.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/references.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-The Credit Card Market
8 May 2024
Submissions
Interchange revenues from transactions on MasterCard and Visa credit cards (and issuer fees from American Express ‘companion’ card transactions): based on incomplete data, the Bank estimates these at around $1–1 ... These are discussed further
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/the-credit-card-market.html
Australian Banking Association – Application for Authorisation AA1000664
23 Apr 2024
Submissions
PDF
113KB
AUSTRALIAN BANKING ASSOCIATION – APPLICATION FOR AUTHORISATION AA1000664 | 1. Australian Banking Association – Application for Authorisation AA1000664. ... 2 Parliament of Australia (2023), ‘Committee Hansard – Senate Rural and Regional Affairs
https://www.rba.gov.au/publications/submissions/payments-system/accc-on-aba-cash-in-transit-application-04-2024/pdf/submission-to-accc-on-aba-cash-in-transit-application-april-2024.pdf
Reforms to the Payment Systems (Regulation) Act 1998 Submission to Senate Economics Legislation Committee - February 2024
15 Apr 2024
Submissions
PDF
266KB
REFORMS TO THE PAYMENT SYSTEMS (REGULATION) ACT 1998. | 1. Reforms to the Payment Systems (Regulation). ... In particular, the RBA supports:. 1. the expansion of the regulatory perimeter of the PSRA, by updating existing definitions of a.
https://www.rba.gov.au/publications/submissions/payments-system/reforms-to-the-psra/pdf/reforms-to-the-payment-systems-regulation-feb-2024.pdf