Research Discussion Paper – RDP 2014-14 The Evolution of Payment Costs in Australia

Contents

• Introduction
• Related Literature and Scope
• Methodology
• Resource Costs of Payments
• Private Net Costs
• Influence of Payment Size
• Small Businesses Costs
• Conclusion
• Appendix A: Additional Detailed Results
• Appendix B: Payment Activity in the Sample
• Appendix C: Costs for Consumers in Making Payments
• Appendix D: Description of Survey of SMEs
• References

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We would like to thank the entities that participated in this study. We would also like to thank David Emery, Darren Flood, Tony Richards, Stephanie Bolt, Tim West, Clare Noone, Fumiko Hayashi, Michele Bullock, John Simon and Carl Schwartz for useful comments and suggestions.