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RBA Glossary definition for interest rate

interest rate – The term used to describe the cost of borrowing money or the return to the owner of the funds which are invested or lent out. It is usually expressed as a percent per annum of the amount of money borrowed, lent or invested.

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Summary

11 Feb 2020 DOCX 175KB
ANZ considers further analysis of these changes should be undertaken if additional adjustments to interchange rates were to be considered. ... ANZ is also represented on the Australian Payments Council.]. ANZ considers that options for governance and
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/anz.DOCX

REVIEW OF RETAIL PAYMENTS REGULATION: ISSUES PAPER

12 Feb 2020 DOCX 55KB
Much of the Issues Paper relates to matters outside of TrueLayer’s currents interests in Australia, however we felt that we had useful insights into a number of fields of interest ... This resulted in a significant dropoff in conversion rates for our
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/truelayer.DOCX

19 February 2020 Tony Richards Head of Payments Policy ...

19 Feb 2020 DOCX 95KB
Similarly, a reduction in interchange rates has a disproportionate impact on smaller card issuers compared to other banks that can absorb the revenue decline by their ability to amortise costs across ... Larger merchants have benefited from lower
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/cuscal.DOCX

Review of Retail Payments Regulation Saurav Dutta, Lien Duong, ...

11 Feb 2020 DOCX 23KB
These services allow consumers to make the purchase currently, and spread out their payments over a period of time, interest free. ... The late-payment fee charged by the BNPL providers are often a fixed fee and could lead to exorbitant interest charges
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/curtin-university.DOCX

29th January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 103KB
The AACS represents the interests of these small businesses; their owners, staff, suppliers and customers. ... In the interests of competition, we believe there is scope for the RBA to crack down on exclusive contracts between banks and schemes,
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/australasian-association-of-convenience-stores.DOCX

Submission for the Review of Retail Payments Regulation

11 Feb 2020 DOCX 33KB
In comparison, when Sweden was making headlines[endnoteRef:3] for moving towards a cashless society, their rate was 20%.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/liron-lightwood.DOCX

29 January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 92KB
Restaurant & Catering Australia (R&CA) is the national industry association representing the interests of more than 47,000 restaurants, cafés and catering businesses across Australia.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/restaurant-and-catering-industry-association.DOCX