{"text_format":"3","workbook":"xls","n_sheets":3,"sheets":["Data","Notes","Series breaks"],"not_rendered":{"external_links":2,"defined_names":26},"read":"whole","date_system":"1900","formulas":"cached_only"}

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["C6 CHEQUES AND DIRECT ENTRY PAYMENTS"]
["Title","Number of customer cheques","Value of customer cheques","Number of financial institution cheques","Value of financial institution cheques","Total number of cheques","Total value of cheques","Number of credit transfers","Value of credit transfers","Number of debit transfers","Value of debit transfers","Total number of direct entry payments","Total value of direct entry payments","Total number of NPP payments","Total value of NPP payments"]
["Description","Number of customer cheques drawn; for series breaks, see 'Series breaks'","Value of customer cheques drawn; for series breaks, see 'Series breaks'","Number of financial institution cheques drawn; for series breaks, see 'Series breaks'","Value of financial institution cheques drawn; for series breaks, see 'Series breaks'","Total number of cheques drawn; for series breaks, see 'Series breaks'","Total value of cheques drawn; for series breaks, see 'Series breaks'","Number of credit transfers; for series breaks, see 'Series breaks'","Value of credit transfers; for series breaks, see 'Series breaks'","Number of debit transfers; for series breaks, see 'Series breaks'","Value of debit transfers; for series breaks, see 'Series breaks'","Total number of direct entry payments; for series breaks, see 'Series breaks'","Total value of direct entry payments; for series breaks, see 'Series breaks'","Total number of New Payments Platform payments; for series breaks, see 'Series breaks'","Total value of New Payments Platform payments; for series breaks, see 'Series breaks'"]
["Frequency","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly","Monthly"]
["Type","Original","Original","Original","Original","Original","Original","Original","Original","Original","Original","Original","Original","Original","Original"]
["Units"," '000","$ million"," '000","$ million"," '000","$ million"," '000","$ million"," '000","$ million"," '000","$ million"," '000","$ million"]
[]
[]
["Source","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA","RBA"]
["Publication date","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12","2019-03-12"]
["Series ID","CCDEPCCN","CCDEPCCV","CCDEPCFIN","CCDEPCFIV","CCDEPCTN","CCDEPCTV","CCDEPDEPCTN","CCDEPDEPCTV","CCDEPDEPDTN","CCDEPDEPDTV","CCDEPDEPTN","CCDEPDEPTV","CCDEPNPPTN","CCDEPNPPTV"]
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["2018-03-31",{"v":5930.098,"d":"5930"},{"v":35675.462037920006,"d":"35675"},{"v":655.836,"d":"656"},{"v":40117.94982249,"d":"40118"},{"v":6585.934,"d":"6586"},{"v":75793.41186041001,"d":"75793"},{"v":238942.7995,"d":"238943"},{"v":804848.4225021013,"d":"804848"},{"v":113053.3821307139,"d":"113053"},{"v":515803.655647336,"d":"515804"},{"v":351996.18163071387,"d":"351996"},{"v":1320652.0781494374,"d":"1320652"},{"v":2685.917,"d":"2686"},{"v":1391.0173602,"d":"1391"}]
["2018-04-30",{"v":5434.858,"d":"5435"},{"v":33272.54576722001,"d":"33273"},{"v":594.381,"d":"594"},{"v":38208.175298439994,"d":"38208"},{"v":6029.239,"d":"6029"},{"v":71480.72106566002,"d":"71481"},{"v":223596.37,"d":"223596"},{"v":779300.1804030932,"d":"779300"},{"v":115785.87645475421,"d":"115786"},{"v":496337.21737090405,"d":"496337"},{"v":339382.24645475426,"d":"339382"},{"v":1275637.3977739974,"d":"1275637"},{"v":3377.112,"d":"3377"},{"v":2136.81733249,"d":"2137"}]
["2018-05-31",{"v":5724.846,"d":"5725"},{"v":33941.32327746,"d":"33941"},{"v":656.792,"d":"657"},{"v":42545.88800395,"d":"42546"},{"v":6381.638,"d":"6382"},{"v":76487.21128141,"d":"76487"},{"v":217744.736,"d":"217745"},{"v":536823.59261523,"d":"536824"},{"v":70227.606,"d":"70228"},{"v":184110.43733830002,"d":"184110"},{"v":287972.342,"d":"287972"},{"v":720934.02995353,"d":"720934"},{"v":4473.14,"d":"4473"},{"v":3119.22568123,"d":"3119"}]
["2018-06-30",{"v":5182.967,"d":"5183"},{"v":36034.69321314999,"d":"36035"},{"v":597.596,"d":"598"},{"v":42699.78584067,"d":"42700"},{"v":5780.563,"d":"5781"},{"v":78734.47905382,"d":"78734"},{"v":179814.664,"d":"179815"},{"v":589947.63673088,"d":"589948"},{"v":64217.237,"d":"64217"},{"v":186925.23586811,"d":"186925"},{"v":244031.901,"d":"244032"},{"v":776872.87259899,"d":"776873"},{"v":4725.973,"d":"4726"},{"v":3316.45579165,"d":"3316"}]
["2018-07-31",{"v":5017.222,"d":"5017"},{"v":32129.21990005,"d":"32129"},{"v":608.522,"d":"609"},{"v":40173.55632339,"d":"40174"},{"v":5625.744,"d":"5626"},{"v":72302.77622343999,"d":"72303"},{"v":198105.655,"d":"198106"},{"v":652220.4680774701,"d":"652220"},{"v":68806.438,"d":"68806"},{"v":206884.20674678002,"d":"206884"},{"v":266912.093,"d":"266912"},{"v":859104.67482425,"d":"859105"},{"v":5569.061,"d":"5569"},{"v":3498.7244361399994,"d":"3499"}]
["2018-08-31",{"v":5214.533,"d":"5215"},{"v":30499.590809960002,"d":"30500"},{"v":673.341,"d":"673"},{"v":37475.31213382001,"d":"37475"},{"v":5887.874,"d":"5888"},{"v":67974.90294378,"d":"67975"},{"v":203049.876,"d":"203050"},{"v":619005.37030905,"d":"619005"},{"v":71821.914,"d":"71822"},{"v":191838.47224813997,"d":"191838"},{"v":274871.79,"d":"274872"},{"v":810843.84255719,"d":"810844"},{"v":7774.087,"d":"7774"},{"v":7362.6649824099995,"d":"7363"}]
["2018-09-30",{"v":4390.663,"d":"4391"},{"v":26342.3013201,"d":"26342"},{"v":556.15,"d":"556"},{"v":30964.997986240003,"d":"30965"},{"v":4946.813,"d":"4947"},{"v":57307.29930634,"d":"57307"},{"v":181256.526,"d":"181257"},{"v":555980.3397858299,"d":"555980"},{"v":63449.79,"d":"63450"},{"v":171852.93198911002,"d":"171853"},{"v":244706.316,"d":"244706"},{"v":727833.2717749398,"d":"727833"},{"v":9177.446,"d":"9177"},{"v":8669.02232862,"d":"8669"}]
["2018-10-31",{"v":4782.695,"d":"4783"},{"v":27864.95006274,"d":"27865"},{"v":605.394,"d":"605"},{"v":31470.721104549997,"d":"31471"},{"v":5388.089,"d":"5388"},{"v":59335.671167290006,"d":"59336"},{"v":200995.497,"d":"200995"},{"v":630539.05509536,"d":"630539"},{"v":72859.866,"d":"72860"},{"v":197666.40057929998,"d":"197666"},{"v":273855.363,"d":"273855"},{"v":828205.4556746599,"d":"828205"},{"v":11222.97,"d":"11223"},{"v":10264.678742740001,"d":"10265"}]
["2018-11-30",{"v":4927.472,"d":"4927"},{"v":27522.700537020006,"d":"27523"},{"v":567.23,"d":"567"},{"v":31181.62678408,"d":"31182"},{"v":5494.702,"d":"5495"},{"v":58704.327321100005,"d":"58704"},{"v":194217.304,"d":"194217"},{"v":596545.98928162,"d":"596546"},{"v":72908.688,"d":"72909"},{"v":189313.33980623,"d":"189313"},{"v":267125.992,"d":"267126"},{"v":785859.32908785,"d":"785859"},{"v":11965.284,"d":"11965"},{"v":10671.05780585,"d":"10671"}]
["2018-12-31",{"v":4323.181,"d":"4323"},{"v":26592.865410839997,"d":"26593"},{"v":513.472,"d":"513"},{"v":30733.97284465,"d":"30734"},{"v":4836.653,"d":"4837"},{"v":57326.838255489994,"d":"57327"},{"v":180850.688,"d":"180851"},{"v":595359.1825697902,"d":"595359"},{"v":68029.456,"d":"68029"},{"v":187044.6509054,"d":"187045"},{"v":248880.144,"d":"248880"},{"v":782403.8334751902,"d":"782404"},{"v":12443.154,"d":"12443"},{"v":10990.994173970003,"d":"10991"}]
["2019-01-31",{"v":4015.32,"d":"4015"},{"v":22609.143521420003,"d":"22609"},{"v":482.928,"d":"483"},{"v":20756.56455986,"d":"20757"},{"v":4498.248,"d":"4498"},{"v":43365.70808128,"d":"43366"},{"v":178832.196,"d":"178832"},{"v":554377.3049808609,"d":"554377"},{"v":72817.497,"d":"72817"},{"v":176553.3906037341,"d":"176553"},{"v":251649.693,"d":"251650"},{"v":730930.6955845951,"d":"730931"},{"v":13247.579,"d":"13248"},{"v":10699.290095860002,"d":"10699"}]

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["C6 CHEQUES AND DIRECT ENTRY PAYMENTS"]
["‘Cheques’ covers cheques drawn on financial institutions in Australia."]
["‘Direct entry payments’ covers electronic transfers through the direct entry system, which is used for bulk or batch-processed payment transfers between deposit accounts. This includes transfers through AusPayNet’s Bulk Electronic Clearing System (BECS), and transfers between account holders at the same financial institution where the transaction is settled internally. Reporting institutions are Australian banks, foreign banks operating in Australia, most building societies and credit unions, industry service providers, and the Reserve Bank of Australia. Series are not seasonally adjusted, and they are subject to revision from time to time."]
["‘Customer cheques’ means all cheques written by individuals or business customers."]
["‘Financial institution cheques’ means cheques drawn by a financial institution on itself or on the issuing institution’s own account with the drawee bank."]
["‘Credit transfers’ means payments where a payer provides instructions to its financial institution to transfer money from the payer’s deposit account to another account at the same or a different institution. From March 2008, this includes all BPAY transactions (from both deposit and credit accounts). Real-time gross settlement system payments are not included."]
["‘Debit transfers’ means direct debit payments where a payee provides instructions to its financial institution to debit the payer’s deposit account at the same or a different institution and credit the payee’s account."]
["'NPP Payments' means all interbank and intrabank payments cleared through the New Payments Platform. The total number and value of interbank NPP transactions settled in the Reserve Bank's Fast Settlement Service (FSS) are shown in Table C7."]

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["C6 CHEQUES AND DIRECT ENTRY PAYMENTS – BREAKS IN SERIES"]
["Three break types are identified: ",null,"A - Breaks in series due to the establishment of new banks. All new banks shown. Date refers to the first month in which the institution reported as a bank."]
[null,null,"B - Breaks in series due to other changes in bank reporting. Some smaller breaks are not listed."]
[null,null,"C - Breaks in series due to changes in the coverage and reporting of non-banks. Other than the counterpart breaks associated with the conversion of NBFIs to banks and transfer of assets and liabilities from NBFIs to banks. Some smaller breaks are not listed."]
["Prior to January 2007, details about each of these breaks at each point in time are available in",null,null," 'Historical series breaks'."]
["A more detailed explanation of the impact of breaks is contained in 'Technical Note: Series Breaks in Bank, NBFI and Financial Aggregate Tables' in the December 1992 Bulletin."]
[]
["Date","Break type","Series title",null,"Details"]
["2006-10-31","B","Financial institution cheques"]
["2008-03-31","B","All series",null,"Reporting change: Break due to introduction of new reporting forms. Revised definitions affect credit transfers. Reporting changes by several banks affect a range of series."]
["2008-03-31","C","Direct entry payments",null,"Change in collection coverage: Break in direct entry payments series due to the addition of a non-bank to the collection."]
["2008-03-31","C","All series",null,"Reporting change: Break due to introduction of new reporting forms. Revised definitions affect credit transfers. Reporting changes by several banks affect a range of series."]
["2008-06-30","B","Customer cheques",null,"Reporting change: Reporting change by a bank decreased the number and value of customer cheques."]
["2009-10-31","B","Credit transfers",null,"Reporting change: Reporting change by a bank increased the number and decreased the value of credit transfers."]
["2010-07-31","B","Customer cheques",null,"Reporting change: Reporting change by a bank decreased the value of customer cheques."]
["2014-03-31","B","Value of credit transfers; Value of debit transfers; Total value of direct entry payments",null,"Reporting change: Reporting change by a bank decreased the value of direct entry payments."]
["2014-03-31","C","Direct entry payments",null,"Reporting change: Reporting change by a non-bank decreased the number and value of all direct entry payments."]
["2018-05-01","B","All series",null,"Reporting change: Break due to the introduction of new reporting forms. Revised definitions affect all series. Reporting changes by several banks affect a range of series."]
["2018-05-01","B","All series",null,"Change in collection coverage: Break due to changes to bank coverage in the collection."]
["2018-05-01","C","All series",null,"Reporting change: Break due to the introduction of new reporting forms. Revised definitions affect all series. Reporting changes by several non-banks affect a range of series."]
["2018-05-01","C","All series",null,"Change in collection coverage: Break due to changes to non-bank coverage in the collection"]