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Résultats de l’enquête de 2023 sur les modes de paiement acceptés par les commerçants : la pandémie de COVID 19 n’a pas fait disparaître l’argent comptant

Author

Listed:
  • Angelika Welte
  • Katrina Talavera
  • Liang Wang
  • Joy Wu

Abstract

Ces dernières années, l’essor des modes de paiement numériques a suscité un débat, au Canada et à l’étranger, sur l’avenir de l’utilisation de l’argent comptant aux points de vente. Afin de mieux comprendre les tendances relatives aux modes de paiement acceptés au pays, notamment le taux d’acceptation de l’argent comptant et l’incidence des modes de paiement novateurs comme les paiements mobiles, la Banque du Canada a mené une enquête auprès des petites et moyennes entreprises canadiennes. Selon les résultats de l’enquête, 96 % des répondants acceptaient l’argent comptant en 2023. L’acceptation des cartes de débit et de crédit a augmenté depuis 2021 pour s’établir à 89 %. On note également une croissance de l’acceptation du côté des paiements numériques. Cela dit, la grande majorité des commerçants (92 %) n’ont pas pour autant l’intention de cesser d’utiliser l’argent comptant à l’avenir. Par conséquent, l’argent comptant et les paiements numériques continuent de coexister aux points de vente, et le Canada est loin d’être une société sans argent comptant.

Suggested Citation

  • Angelika Welte & Katrina Talavera & Liang Wang & Joy Wu, 2024. "Résultats de l’enquête de 2023 sur les modes de paiement acceptés par les commerçants : la pandémie de COVID 19 n’a pas fait disparaître l’argent comptant," Discussion Papers 2024-02fr, Bank of Canada.
    • Handle: RePEc:bca:bocadp:24-02fr
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    References listed on IDEAS

    as
    1. Kim Huynh & Gradon Nicholls & Mitchell Nicholson, 2019. "2018 Merchant Acceptance Survey," Staff Analytical Notes 2019-31, Bank of Canada.
    2. Kim Huynh & Gradon Nicholls & Oleksandr Shcherbakov, 2022. "Equilibrium in Two-Sided Markets for Payments: Consumer Awareness and the Welfare Cost of the Interchange Fee," Staff Working Papers 22-15, Bank of Canada.
    3. Christopher Henry & Doina Rusu & Matthew Shimoda, 2024. "2022 Methods-of-Payment Survey Report: Cash Use Over 13 Years," Discussion Papers 2024-01, Bank of Canada.
    4. Heng Chen & Walter Engert & Kim Huynh & Daneal O’Habib & Joy Wu & Julia Zhu, 2022. "Cash and COVID-19: What happened in 2021," Discussion Papers 2022-8, Bank of Canada.
    5. Ben Fung & Kim Huynh & Anneke Kosse, 2017. "Acceptance and Use of Payments at the Point of Sale in Canada," Bank of Canada Review, Bank of Canada, vol. 2017(Autumn), pages 14-26.
    6. Angelika Welte & Joy Wu, 2023. "The 2021–22 Merchant Acceptance Survey Pilot Study," Discussion Papers 2023-1, Bank of Canada.
    7. Jean‐Charles Rochet & Jean Tirole, 2006. "Two‐sided markets: a progress report," RAND Journal of Economics, RAND Corporation, vol. 37(3), pages 645-667, September.
    8. Wei Dong & James Fudurich & Lena Suchanek, 2017. "Digital Transformation in the Service Sector: Insights from Consultations with Firms in Wholesale, Retail and Logistics," Staff Analytical Notes 17-19, Bank of Canada.
    9. Michal Polasik, 2013. "The use of electronic distribution channels of banking services in Poland," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 2(1), pages 139-152.
    10. Angelika Welte & Jozsef Molnar, 2021. "The market for acquiring card payments from small and medium-sized Canadian merchants," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 56(2), pages 87-97, April.
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    More about this item

    Keywords

    Billets de banque; Méthodes économétriques et statistiques; Monnaies numériques et technologies financières;
    All these keywords.

    JEL classification:

    • C8 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs
    • D22 - Microeconomics - - Production and Organizations - - - Firm Behavior: Empirical Analysis
    • E4 - Macroeconomics and Monetary Economics - - Money and Interest Rates
    • L2 - Industrial Organization - - Firm Objectives, Organization, and Behavior

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