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… 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 …

… settlement. However, they may also be disruptive to central clearing services offered by organizations such as Payments … In the context of disruption to existing wholesale payments clearing and settlement infrastructures such as the Large … payments space and have the potential to erode established clearing and settlement services provided by central banks …

… our focus is on the core infrastructure that supports the clearing and settlement of payments in Canada. And we have a … them. And we've seen the same in the US as well with the Clearinghouse. It's the data and the ability to have a …