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Commonwealth of Australia: In the Australian Competition Tribunal – April 2004 | Payments System | Submissions

8 May 2024 Submissions
The benefits of the EFTPOS system accrue to both consumers and merchants.
https://www.rba.gov.au/publications/submissions/payments-system/au-competition-tribunal/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
A simple calculation would suggest that around 75–80 per cent of transactions on credit cards do not accrue interest. ... the implied average balance for those accounts that do not accrue interest would be around $1,600 to $1,900.
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

Proposed merger between Armaguard and Prosegur – October 2022 | Responses and Options Paper

8 May 2024 Submissions
moving to a new regulatory model) to be a benefit that would accrue from the Proposed Transaction, as the Reserve Bank is not, at this stage, proposing ‘moving to a new
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-october-2022/index.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Introduction

8 May 2024 Submissions
The proportion of the stock of credit card debt that accrues interest has been falling in recent years.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/introduction.html

Payments System

4 Jan 2024
Overview of the Australian Payments System
https://www.rba.gov.au/payments-and-infrastructure/payments-system.html

Other Payment Methods

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
So, the benefits of competition in the BNPL market may accrue to BNPL users, subsidised by non-users as merchants recoup the cost by raising the price of goods and services
https://www.rba.gov.au/publications/rdp/2023/2023-08/other-payment-methods.html
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Domestic Financial Conditions

10 Nov 2023 SMP – November 2023
Domestic Financial Conditions | Statement on Monetary Policy – November 2023
https://www.rba.gov.au/publications/smp/2023/nov/domestic-financial-conditions.html

About Our Gold Holdings | Questions & Answers

3 Nov 2023
Frequently asked questions about the RBA Website
https://www.rba.gov.au/qa/gold-holding.html

2014/15 Assessment of ASX Clearing and Settlement Facilities-Special Topic – Recovery Planning

17 Aug 2023
i) such residual losses would be expected to be extremely remote, and (ii) they would accrue gradually over time rather than arising on a short unanticipated timeframe.
https://www.rba.gov.au/payments-and-infrastructure/financial-market-infrastructure/clearing-and-settlement-facilities/assessments/2014-2015/special-topic-recovery-planning.html

Consumer Payment Behaviour in Australia

15 Jun 2023 Bulletin – June 2023
Thuong Nguyen and Benjamin Watson
The results of the Reserve Bank’s 2022 Consumer Payments Survey show that consumers continue to shift from using cash to electronic payment methods – a trend that was accelerated by the COVID-19 pandemic and consumers’ preference towards using
https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html