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… and may offer motivating incentives. Even arduous cheque-writing has been mostly displaced for consumers by … and automatic withdrawals. Business payments are still cheque-heavy, driven by a need for remittance data that …

… providing a quick and easy substitute for cash or cheques. Our survey data show that almost half of our sample … payment instruments (cash, debit card, credit card, and cheque), cash accounted for 16 per cent of the total monthly … preferences of the recipient. We see a similar story on the cheque side as well where 34 per cent of people from Quebec …