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This means that instead of paying off their short-term loan first, they choose to spend the money on other other things that can be labelled as discretionary.
With regard to revenue, impacts could go either way: Payment revenue would be reduced if the notices lead to consumers taking steps to avoid having payments debited from their accounts, including placing stop payment orders or paying other expenses or obligations prior to the posting of the payment request.
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This is considered necessary to revive the ABS markets; facilitate the risk assessment of ABSs as collateral used by Eurosystem counterparties in monetary policy operations.
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Each employee strives to meet commitments even if it requires them to work hard for long hours.
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ING Direct Australia reimburse domestic ATM fees provided that customers deposit AU$1000 per month as part of a loyalty program, however do not operate any of their own ATMs.