The Reserve Bank has completed its second study of consumers' use of payment instruments. The study indicates that cash remains the most common form of payment by consumers. It is used extensively in situations where average payment values are low and where quick transaction times are preferred....

Following the introduction of direct charging in March 2009, ATM pricing has become more transparent and flexible. Cardholders continue to respond to the clearer price signals by changing their cash withdrawal behaviour to avoid paying direct charges, and newly available data indicate that...