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Today

Government spending is at its highest level since WWII.

More than 50pc of voters now rely on government for their main income

A “culture of dependency” has lifted spending to its highest level since World War II, and the National Disability Insurance Scheme is the chief culprit.

Yesterday

RBA governor Michele Bullock explains why the board held the cash rate steady at 3.85 per cent.

RBA’s shock call to hold rates based on jobs, inflation: minutes

The Reserve Bank minutes reveal the board was buying time as it shocked the market by holding off on a rate cut at its July meeting.

The RBA’s minutes reveal a board agonising over its big call.

Minutes reveal how TACO kept RBA on hold

As the Reserve Bank board agonised over its rate call this month, the spectre of Donald Trump’s trade war loomed large.

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Why the RBA held rates; Insignia’s $3b deal; Wall St guru buys dip

Read everything that’s happened in the news so far today.

This Month

Fee increases on some products are also likely to help offset the RBA’s proposed changes.

Apple Pay at risk as end of card reward programs as we know them looms

Far-reaching RBA proposals to change how credit card payment processing is paid for blindsided banking executives last week. The pushback is about to begin.

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Schroder’s Adam Kibble spent more than two decades at Macquarie before moving to the global money manager.

How this fundie’s best career call shapes Schroders’ funds

Adam Kibble made a cracking investment decision before the GFC by being “really pre-emptive”. He’s now trying to do the same for the $1.6 trillion money manager.

Tuong Lai Restaurant owner Bic Nguyen. The restaurant, in Sydney’s Cabramatta, prefers cash over card.

Tap and go? Credit cards? In these suburbs, cash is still king

More than 1 million people use banknotes and coins for their everyday payments, even as regulators and banks prepare for the day the country goes cashless.

A pedestrian on Wall Street in New York. Results from major American corporations will set the tone for the market, and drive local shares this week.

ASX to fall, but week hinges on RBA speech and Wall Street earnings

Investors will be watching for dovish sentiment in central bank commentary and results from Alphabet and Tesla, as the local benchmark points slightly lower.

Peter Fox, Armaguard group executive chairman, has rebutted the Reserve Bank’s pursuit of new powers to intervene in his monopoly cash distribution business.

Billionaire Fox family says RBA’s push on cash powers is ‘unusual’

Armaguard’s owners say they have no interest in selling the dominant banknote and coin transport business if banks and regulators agreed to “fair prices”.

Asher Tan, who started crypto business CoinJar in Melbourne before taking it to London, is now making a move in the US.

‘It’s our time’: Meet the Aussies banking on Trump’s crypto bonanza

Through new laws and less hostile regulators, the US President is making the sector great again in America. Australian start-ups hope to get in on the act.

Yoga, isolation or a ‘shadow’ board? How economists predict RBA calls

The art of forecasting what the central bank will do with interest rates is a difficult one and, it turns out, everyone has a different approach.

Markets are pricing in slightly more than three RBA rate cuts this year, which would bring the total in 2025 to four.

Plenty of reasons why rates will remain higher in the long run

Politicians around the world have a habit of running big budget deficits to spend money on voters today by borrowing money from voters in the future.

Most of the cost of card payments are worn by small to medium businesses under $10 million.

Banning surcharges only solves a political problem for the RBA

Small business would not need to charge their customers if major banks and credit card companies just set reasonable fees for credit card use.

Michele Bullock

The jobless rate is up. Over to you Governor Bullock

The unexpected jump in the unemployment rate to 4.3 per cent will put scrutiny on the RBA’s surprise decision not to cut interest rates this month.

Reserve Bank of Australia governor Michele Bullock shocked the market this month.

The RBA suddenly looks late on rates

The jump in the jobless rate appears to have all but locked in a rate cut in August, after the RBA shocked the market by holding last week.

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Jobless rate rises to 4.3pc, cements RBA rate cut

The unemployment rate has jumped to 4.3 per cent, confirming the jobs market is cooling and paving the way an RBA cut to interest rates next month.

John Kehoe, Jonathan Shapiro

Inside the interest rate decision that shocked the country

Economics editor John Kehoe and senior reporter Jonathan Shapiro on the RBA’s shock decision on rates, what it means for the economy and whether the next generation will be worse off than their parents.

An Armaguard van delivering Sydney. Cash payments are expected to fall to 4 per cent of transactions this decade.

RBA, Treasury push for powers to save cash from Armaguard collapse

The proposal, alongside the competition and market regulators, comes amid financial pressure on the monopoly cash delivery business owned by the Fox family.

Credit card points schemes could take a big hit from the RBA’s proposed changes to interchange fees.

How your credit card points will suffer from the RBA crackdown

A big part of the funding for credit card reward schemes offered by Visa and MasterCard comes from the interchange fee the RBA wants to cap.

Surcharging for goods from everyday items to coffee has been a growing impost for consumers. The RBA is proposing to ban those charges.

RBA proposes complete ban on card surcharging, saving shoppers $1.2b

In a blow to major banks, the RBA review also calls for interchange fees – paid between a merchant and a shopper’s bank – to be lowered significantly.

Original URL: https://www.afr.com/topic/reserve-bank-of-australia-619