2017 Methods-of-Payment Survey Report
Bibliographic record
Abstract
The Bank of Canada surveys Canadians to get a better understanding of how they pay for goods and services. The Bank has conducted three Methods-of-Payment surveys—in 2009, 2013 and 2017. These surveys include a questionnaire and a diary where survey participants record their payments and cash withdrawals over the course of three days. Using this information, we calculate the share of payments made with cash, credit cards, debit cards and other methods. Results from the 2017 survey show that cash use is declining. Cash makes up a smaller share of all transactions and a smaller share of the total amount spent. At the same time, Canadians are increasingly using contactless credit and debit cards and mobile and online payments, including Interac e-Transfer. We investigate the reasons for these patterns, such as demographics and perceptions. For the first time, the 2017 survey also explores the role of financial literacy and participants’ experiences with payment fraud.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.015 | 0.040 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.005 | 0.007 |
| Science and technology studies | 0.003 | 0.001 |
| Scholarly communication | 0.003 | 0.001 |
| Open science | 0.002 | 0.002 |
| Research integrity | 0.001 | 0.002 |
| Insufficient payload (model declined to judge) | 0.138 | 0.056 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".