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RBA Glossary definition for debit card

debit card – A debit card is a card that enables the holder to access funds in a deposit account at an authorised deposit-taking institution.

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Modelling Consumer Payment Behaviour for Australia

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
However, while cash and debit cards are held by almost all consumers, many do not have a credit card. ... Perhaps for transactions that a consumer already prefers to perform on a credit card, debit cards are a closer substitute.
https://www.rba.gov.au/publications/rdp/2009/2009-04/modelling-consumer-payment-behaviour-australia.html

Price Incentives and Consumer Payment Behaviour

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2009/2009-04.html

Conclusion

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
The substitution patterns between credit cards, debit cards and cash found in this paper are intriguing. ... Debit card use is relatively unaffected by whether or not a consumer has a loyalty program.
https://www.rba.gov.au/publications/rdp/2009/2009-04/conclusions.html

Introduction

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
In this paper, the data collected from this study are used to estimate econometric models of the holding of credit cards, and the use of credit cards, debit cards and cash. ... In particular, we consider what effect loyalty programs have on the choice of
https://www.rba.gov.au/publications/rdp/2009/2009-04/introduction.html

References

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
Borzekowski R, E Kiser and S Ahmed (2008), ‘Consumers' Use of Debit Cards: Patterns, Preferences, and Price Response’, Journal of Money, Credit and Banking, 40(1), pp 149–172. ... RBA and Australian Competition and Consumer Commission (2000), Debit
https://www.rba.gov.au/publications/rdp/2009/2009-04/references.html

Appendix B: Results Tables – Use of Payment Methods

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
0.37. No scheme debit card. 14.1. Cheque book. 0.00. No cheque book. ... Marginal effects are evaluated at the base case. Table B2: Debit Card Use.
https://www.rba.gov.au/publications/rdp/2009/2009-04/appendix-b.html

Consumer Payments Literature

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
consumers would increase their use of debit cards and decrease the use of credit cards. ... Zinman's results suggest that debit cards are a close substitute for credit cards, cash and cheques.
https://www.rba.gov.au/publications/rdp/2009/2009-04/consumer-payments-literature.html

The Australian Payments Landscape

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
These included setting interchange fee benchmarks for the credit card, debit card and EFTPOS systems, and removing scheme rules that prevented merchants from surcharging. ... Figure 4 shows growth in credit and debit card payments during this period of
https://www.rba.gov.au/publications/rdp/2009/2009-04/australian-payments-landscape.html

Appendix A: Diary Study Fields

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
1. Cash. 2. Debit card using a PIN. 3. MasterCard/Visa debit card. ... 4. MasterCard/Visa credit card. 5. American Express/Diners Club card. 6. Petrol/store card.
https://www.rba.gov.au/publications/rdp/2009/2009-04/appendix-a.html

Data and Summary Statistics

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
Credit cards are used relatively more at higher income levels, while debit card use is highest for middle income bands. ... Conversely, revolvers tend to use debit cards more often than transactors (Table 3).
https://www.rba.gov.au/publications/rdp/2009/2009-04/data-summary-statistics.html