The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.

1. PAYMENTS PULSE SURVEY
CONSUMER EDITION
July 23, 2018

2. FOREWORD
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and
priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a
pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments
Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up
Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The
SUMMIT, including ‘invisible payments’ and social media payments.
What we heard in Phase 1 is that 62 per cent of Canadian consumers are ready and open to change. They
want more choice when it comes to payment options such as e-transfers, e-wallets and digital currencies. In
Phase 2, we found out that 43 per cent of Canadian consumers are interested in payments becoming more
invisible. They also seem interested in social networking apps, such as Alipay and WeChat, as payment options
in Canada. Convenience at checkout is important to Canadians; the study found that 53 per cent of those
surveyed have left a store or abandoned an online purchase at some point, due to inconvenience at checkout.
The Phase 2 survey also found that the majority of consumers are willing to integrate new technologies, like an
e-wallet, into their everyday lives, but change has been modest since last year. Of the 19 per cent of Canadians
who’ve uploaded an e-wallet, 70 per cent have used this payment type since its launch in Canada.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program
will foster a faster, safer and more data-rich payments environment. The enhancements will come from new
real-time payments, giving consumers more choice in how they make their payments, and the adoption of the
ISO 20022 data standard, which will improve automation and efficiency by increasing the data that travels with
a payment.

3. KEY FINDINGS
43% of Canadians are interested in
payments becoming more invisible
70%
of Canadians who have downloaded
an e-wallet have used this payment
type since its launch in Canada
Four-in-ten are interested in alias or token ID, allowing others
to pay/send money across a variety of platforms:
Agree
38%
Disagree
48% find e-wallet convenient
Canadians value a convenient, hassle-free check-out process during purchases:
53% 10%
of Canadians have left a store or
abandoned an online purchase due to
inconvenience at checkout
of Canadians have done this on
several occasions
One third of Canadians are interested in social networking apps,
like Alipay and WeChat, as payment options in Canada:
Yes
33%
No
66%
One third of Canadians have deposited a cheque using camera
or mobile app:
Yes
33%
No
66%
find this to be convenient
96%
TOP 3 forms of payments remain as:
credit card, debit and cash
55% of Canadians are willing to give
up cash and coins
Phase1Phase2
Alias or token ID | unique identifier
to limit info revealed
18-34, males, urbanites and those
with children <18 most likely

4. METHODOLOGY
QUANTITATIVE RESEARCH
INSTRUMENT
The Phase 1 survey including 1,501 Canadians was
completed online between April 2, 2018 to April 11,
2018 using Leger’s online panel, LegerWeb.
The Phase 2 survey (a unique new sample from
Phase 1) including 1,539 Canadians was completed
online between June 8 to June 11, 2018 also using
Leger’s online panel, LegerWeb.
A probability sample of the same size would yield a
margin of error of +/-2.5%, 19 times out of 20. ABOUT LEGER’S ONLINE
PANEL
Leger’s online panel has approximately 400,000
members nationally and has a retention rate of 90%.
QUALITY CONTROL
Stringent quality assurance measures allow Leger
to achieve the high-quality standards set by the
company. As a result, its methods of data
collection and storage outperform the norms set by
WAPOR (The World Association for Public Opinion
Research). These measures are applied at every
stage of the project: from data collection to
processing, through to analysis. We aim to answer
our clients’ needs with honesty, total confidentiality,
and integrity.

5. PHASE 1
RESPONDENT
PROFILE

6. PHASE 1: RESPONDENT PROFILE
27%
16%
18%
17%
21%
18-34
35-44
45-54
55-64
65+
AGEGENDER
WOMEN
51%
MEN
49%
REGION
QUE 23%
ON 38%
AB 11%
BC 14%
SK / MB 07%
ATL 07%
Base: All (n=1501)

7. PHASE 1: RESPONDENT PROFILE
MARITAL
STATUS
HH INCOME EDUCATION
26%
60%
13%
1%
SINGLE
MARRIED / CL
WIDOWED /
DIVORCED /
SEPARATED
REFUSAL
YES
29%
NO
69%
CHILDREN < 18
33%
29%
37%
UNIVERSITY
SOME COLLEGE /
COLLEGE
HIGH SCHOOL OR
LESS
REFUSAL
23%
30%
34%
14%
< $40K
$40K - < $80K
$80K+
REFUSAL
Base: All (n=1501)

8. PHASE 1
DETAILED
RESULTS

9. SIX-IN-TEN ARE OPEN TO CHANGE IN THEIR DAILY ROUTINE
When it comes to openness
to change, six-in-ten (62%)
Canadians like change when
it comes to their daily
routine. Those who are more
open to move away from cash
transactions (vs not will to
move away), and those willing
to move away from using
cheques (vs not willing to
move away), are significantly
more likely to like change in
their daily routine (68% vs
57% and 69% vs 58%
respectively).
62%
10%
51%
37%
32%
5%
2%
LIKE CHANGE
I strongly like change
I somewhat like change
DO NOT LIKE CHANGE
I somewhat dislike change
I strongly dislike change
DK / Prefer not to answer
0001 Which of the following best describes your openness to change when it comes to your daily routine?
Base: All (2018: n=1501) (n=2017: n=1507).
2017
60%
11%
50%
38%
34%
4%
2%

10. CREDIT CARD, DEBIT AND CASH ARE THE PREFERRED
METHODS TO PAY FOR GOOD AND SERVICES
Canadians prefer to use
credit card, debit and cash
as their main methods of
payment. When it comes to
what they would like
available to them, the same
three payment methods
come out on top.
Beyond the top two methods
of payment, the percentage of
Canadians who would like
those methods available to
them is higher than the
percentage currently are using
as their preferred payment
methods.
69%
60%
55%
28%
25%
24%
24%
15%
6%
5%
3%
1%
1%
<1%
<1%
<1%
Credit Card
Debit
Cash
E-Transfers
Contactless/Tap
Automated funds transfer / direct deposit
PayPal
Cheque
E-Wallet
Retail Apps
Check-out free transactions
Digital currency
QR Code
Other
None of the above
DK / Prefer not to answer
0002 What are your preferred payment methods for goods and services?
0004 What payment methods would you like to have available to you?
Base: All (2018: n=1501)
WOULD LIKE TO HAVE AVAILABLEPREFERRED PAYMENT METHODS
65%
58%
59%
38%
34%
32%
31%
27%
14%
10%
10%
4%
3%
<1%
3%
5%

11. AUTODEPOSIT, RECURRING PAYMENTS AND REQUESTING
MONEY ARE TOP SERVICES USED WITH AN E-TRANSFER
Among Canadians currently using
e-transfers as one of their methods
of payments, autodeposit (43%),
recurring payments (42%) and
money requests (38%) are the
services most commonly used.
Quebecers (vs rest of the Canadians)
are significantly more likely to use
the Autodeposit (62% vs 38% ROC)
and recurring payments (66% vs 34%
ROC) with e-transfer.
43%
41%
38%
12%
7%
7%
4%
2%
1%
1%
5%
Autodeposit
Recurring Payments
Request Money
International E-Transfers
Money transfer to people
E-Transfer Bulk Disbursement
Paying bills
E-Transfer with security question
One off general E-Transfer
Other
DK / Prefer not to answer
0003 What services have you used with E-Transfers?
Base: Those who use e transfers (2018: n=432)
28%
USE E-TRANSFERS
SERVICES USED WITH E-TRANSFERS

12. MAJORITY SAY THEY WOULD BE CONFIDENT THEIR SERVICE
PROVIDER ENSURES PRIVACY OF CREDIT CARD INFORMATION
Four-in-ten (38%) Canadians store personal credit card information with a mobile app or online ecommerce site, and the vast majority
(86%) feel confident that the app or service provider they are using ensures the security and privacy of their personal credit card
information. Residents of BC, males, university educated Canadians, higher earning Canadians, as well as younger Canadians (age 18-44) are
significantly more likely to store personal credit card information with a mobile app or online ecommerce site.
STORE PERSONAL CREDIT CARD
INFORMATION WITH MOBILE
APP/ONLINE ECOMMERCE
0005 Do you store personal credit card information with a mobile app or online ecommerce site (e.g., Uber or Amazon.ca)? Base:
All (2018: n=1501) (n=2017: n=1507).
0006 To what extent do you feel confident that the app or service provider you used will ensure the security and privacy of your
personal credit card information?
Base: yes store credit card info with mobile app or ecommerce site (2018: n=587) (n=2017: n=666).
Yes
38%No
58%
86%
27%
59%
14%
13%
1%
1%
CONFIDENT
Very confident
Somewhat confident
NOT CONFIDENT
Not very confident
Not at all confident
DK / Prefer not to answer
CONFIDENT CREDIT CARD
INFORMATION STORED IS SECURED IN
APP /SERVICE PROVIDER
2017
90%
30%
60%
10%
9%
1%
1%
2017: 41%
2017: 56%

13. MAJORITY USE THEIR CREDIT CARD FOR MONTHLY
PAYMENTS TO COLLECT REWARDS
Two-thirds (67%) of Canadians use their credit card for monthly payments, with three-in-four (74%) saying they use their credit to collect
rewards. Convenience (59%) and building credit (24%) are also top motivations to use a credit card for monthly payments. BC residents
(76%), men, higher educated Canadians, and higher earning Canadians are significantly more likely to use their credit card for monthly payments.
Younger Canadians (18-44) are significantly more likely to use their credit card for monthly payments to build credit, while older Canadians are
more likely to use their credit card to earn rewards (age 35 and older) and for convenience (age 65 and older).
USE CREDIT CARD FOR MONTHLY
PAYMENTS
Yes
67%
No
31%
MOTIVATION TO USE CREDIT CARD FOR
MONTHLY PAYMENTS
74%
59%
24%
10%
<1%
Rewards
Convenience
Build credit
My only option at the time
DK / Prefer not to answer
0007 Do you use a credit card for any of your monthly payments (i.e. bills, groceries, goods and services etc.)? Base: All (2018:
n=1501)
0008 What is your motivation for using your credit card to pay for your monthly payments (i.e. bills, groceries, goods and services
etc.)? Base: use credit card for monthly payments (2018: n=1050)

14. ONE-IN-FIVE USE THEIR CREDIT CARD FOR NEARLY
ALL OF THEIR MONTHLY PURCHASES
Three-quarters (76%) of
Canadians use their credit card
for at least some (at least 1%) of
their monthly payments, while
one-in-five (20%) Canadians are
using their credit card for more
than 90% of their monthly
payments.
Quebecers are more likely than the
rest of Canadians to use their credit
card for more than 90% of their
monthly purchases.
9%
6%
8%
6%
5%
4%
7%
3%
8%
9%
15%
5%
9%
6%
0%
1-9%
10-19%
20-29%
30-39%
40-49%
50-59%
60-69%
70-79%
80-89%
90-99%
100%
I do not have a credit card
DK / Prefer not to answer
76%
PAY AT LEAST 1% OF
THEIR MONTHLY
PAYMENTS WITH
THEIR CREDIT CARD
20%
PAY AT LEAST
90% OF THEIR
MONTHLY
PAYMENTS WITH
THEIR CREDIT
CARD
0009 What percentage of your monthly payments (i.e. bills, groceries, goods and services etc.) is paid with your credit card? Base:
use credit card for monthly payments (2018: n=1050)
% OF MONTHLY PAYMENTS PAID WITH
CREDIT CARD

15. CANADIANS ARE SLIGHTLY MORE LIKELY TO HAVE
UPLOADED AN E-WALLET COMPARED TO ONE YEAR AGO
Sixteen percent of Canadians have uploaded an e-wallet, since it launched in Canada (up 3 percentage points from 2017). Among those
who have uploaded the e-wallet, eight-in-ten (82%) find it convenient. Younger Canadians (age 18-34), males, and higher earning Canadians
($100K or more) are significantly more likely to have uploaded an e-wallet.
UPLOADED AN E-WALLET SINCE IT
LAUNCHED IN CANADA
Yes
16%
No
82%
HOW CONVENIENT IS THE EXPERIENCE WITH
E-WALLET
2017: 13%
2017: 86%
82%
44%
38%
10%
9%
2%
8%
CONVENIENT
Very convenient
Somewhat Convenient
NOT CONVENIENT
Not very convenient
Not at all convenient
DK / Prefer not to answer
83%
44%
38%
12%
10%
2%
6%
0010 Have you uploaded an e-wallet (Apple Pay, Google Wallet, etc.) app since it launched in Canada? Base: All (2018: n=1501)
(n=2017: n=1507).
0011 Based on your experience with your e-wallet (Apple Pay, Google Wallet, etc.), how convenient do you find it: Base: uploaded e
wallet (2018: n=238) (n=2017: n=220).

16. NEARLY ALL CANADIANS WHO HAVE DEPOSITED A CHEQUE
WITH THEIR MOBILE DEVICES FIND IT CONVENIENT
0013 Have you deposited a cheque using your smartphone’s camera and mobile banking app? Base: All (2018: n=1501) (n=2017:
n=1507).
0014 Based on your experience depositing a cheque using your smartphone’s camera and mobile banking app, how convenient do
you find the process: Base: uploaded e wallet (2018: n=500) (n=2017: n=443).
DEPOSITED A CHEQUE USING
SMARTPHONE’S CAMERA AND MOBILE
BANKING APP
Yes
33%No
67%
2017: 27%
2017: 72%
96%
77%
19%
3%
1%
2%
1%
CONVENIENT
Very convenient
Somewhat Convenient
NOT CONVENIENT
Not very convenient
Not at all convenient
DK / Prefer not to answer
2017
97%
79%
18%
2%
2%
<1%
1%
HOW CONVENIENCE IS THE PROCESS TO DEPOSIT A
CHEQUE WITH SMARTPHONE’S CAMERA AND
BANKING APP
One-third of Canadians have deposited a cheque using their smartphone’s camera and mobile banking app, a 5 percentage point
increase from one year ago. Nearly all (96%) of those who have deposited a cheque using their smartphones camera and mobile
banking app, find the process convenient, with 77% saying very convenient. Younger Canadians (age 18-54), and higher earning
Canadians ($100K or more) are significantly more likely to have deposited a cheque using their smartphone’s camera and mobile banking app.

17. HALF OF CASH USERS ARE WILLING TO MOVE AWAY FROM
CASH TO ELECTRONIC PAYMENTS THROUGH MOBILE DEVICE
0015 A. Approximately how much cash do you use in a typical month? Number of cash transactions. Base: All (2018: n=1501)
(n=2017: n=1507).
0015 B. Approximately how much cash do you use in a typical month? Value of cash transactions. Base: All (2018: n=1501)
(n=2017: n=1507).
0016 How willing are you to move completely away from using cash and coins to highly convenient electronic payments accessible
through your mobile device? Base: More than 1 cash transaction per month (2018: n=1252) (n=2017: n=1251).
Average number of cash
transactions per month:
19 transactions
(2017: 22 transactions)
Average value of cash
transactions per month:
$206
(2017: $220)
WILLINGNESS TO MOVE COMPLETELY AWAY FROM
USING CASH AND COINS TO HIGHLY CONVENIENT
ELECTRONIC PAYMENTS ACCESSIBLE THROUGH
YOUR MOBILE DEVICE:
55%
18%
37%
44%
27%
17%
2%
WILLING
Very willing
Somewhat willing
NOT WILLING
Not very willing
Not at all willing
DK / Prefer not to answer
On average Canadians use cash roughly 20 times a month, totaling slightly more than $200 per month. Lower earning Canadians
(<$60K/year) are using cash for more transactions. Canadians who do make cash transactions, are split on whether they would move away
from cash to use a more convenient electronic payment method, with 55% saying they would be willing to do this (a 5 percentage point
increase from one year ago) and 44% saying they are not willing. Younger Canadians (age 18-44) and higher earning Canadians ($100K+)
are significantly more likely to say they are willing to turn to more convenient electronic payment methods on their mobile device and move away
from using cash.

18. TWO-THIRDS ARE WILLING TO MOVE AWAY FROM WRITING
CHEQUES FOR HIGHLY CONVENIENT ELECTRONIC PAYMENTS
0017 A. Approximately how many cheques do you write in typical month? Number of cheques Base: All (2018: n=1501) (n=2017:
n=1507).
0017 B. Approximately how many cheques do you write in typical month? Value of cheque transactions Base: All (2018: n=1501)
(n=2017: n=1507).
0019 How willing are you to move completely away from using cheques for highly convenient electronic payments accessible through
the internet or your mobile device? Base: More than 1 cheque written per month (2018: n=742) (n=2017: n=732).
Average number of
cheques written per month:
3 cheques
(2017: 3 cheques)
Average value of cheques
written per month:
$243
(2017: $245)
66%
28%
38%
32%
17%
15%
2%
WILLING
Very willing
Somewhat willing
NOT WILLING
Not very willing
Not at all willing
DK / Prefer not to answer
2017
66%
26%
40%
32%
18%
14%
2%
WILLINGNESS TO MOVE COMPLETELY AWAY FROM
USING CHEQUES FOR HIGHLY CONVENIENT
ELECTRONIC PAYMENTS ACCESSIBLE THROUGH
THE INTERNET OR YOUR MOBILE DEVICE
On average, Canadians write 3 cheques a month, totaling slightly less than $250 per month, however forty percent are writing zero
cheques a month. Among those writing at least one cheque a month, two-thirds (66%) are willing to move away from writing cheques
for a more convenient payment method through the internet or mobile phone. Younger Canadians (age 18-54) are significantly more likely
to say they are willing to move to more convenient electronic payment method on the internet or mobile device and move away from using
cheques.

19. HOME SERVICES AND RENT ARE THE MOST COMMON
REASONS TO WRITE A CHEQUE
0017 A. Approximately how many cheques do you write in typical month? Number of cheques Base: All (2018: n=1501) (n=2017:
n=1507).
0017 B. Approximately how many cheques do you write in typical month? Value of cheque transactions Base: All (2018: n=1501)
(n=2017: n=1507).
0018 What types of transactions have you paid with a cheque? Base: More than 1 cheque written per month (2018: n=742)
Average number of
cheques written per month:
3 cheques
(2017: 3 cheques)
Average value of cheques
written per month:
$243
(2017: $245)
TYPES OF CHEQUE TRANSACTIONS:
31%
28%
20%
7%
6%
6%
5%
5%
3%
3%
3%
3%
6%
Other home services (i.e. gardeners,
renovations, etc.)
Rent
School activity payments
Charitable donation
Gym membership
Household bills (hydro, oil, gas,
cellphone, etc.)
Babysitter
Miscellaneous house/personal items
(clothes, magazines, art, trips, etc.)
Church collection/donation
Taxes (various)
Gift
Other
DK / Prefer not to answer
Among those writing cheques,
Canadians are writing cheques
for various home services, rent,
and school activity payments.
Quebecers are significantly more
likely to write cheques for rent,
while the rest of Canadians are
significantly more likely to write
cheques for home services and
charitable donations.

20. PHASE 2
RESPONDENT
PROFILE

21. 27%
16%
18%
17%
21%
18-34
35-44
45-54
55-64
65+
AGEGENDER
WOMEN
51%
MEN
49%
REGION
QUE 23%
ON 38%
AB 11%
BC 14%
SK / MB 07%
ATL 07%
Base: All (n=1539)
PHASE 2: RESPONDENT PROFILE
URBAN 43%
SUBURBAN 36%
RURAL 18%

22. MARITAL STATUSHH INCOME EDUCATION
27%
58%
14%
1%
SINGLE
MARRIED / CL
WIDOWED /
DIVORCED /
SEPARATED
REFUSAL
YES
29%
NO
70%
CHILDREN < 18
Base: All (n=1539)
32%
29%
37%
UNIVERSITY
SOME COLLEGE /
COLLEGE
HIGH SCHOOL OR LESS
REFUSAL
23%
32%
33%
12%
< $40K
$40K - < $80K
$80K+
REFUSAL
PHASE 2: RESPONDENT PROFILE

23. PHASE 2
DETAILED
RESULTS

24. FOUR-IN-TEN CANADIANS ARE INTERESTED IN PAYMENTS
BECOMING MORE INVISIBLE
More than four-in-ten (43%)
Canadians are interested in
payments becoming more
invisible. Younger Canadians
(ages 18-34), males, those
who live in urban Canada, and
those with children <18 are
significantly more likely to be
interested in payments that
are more invisible.
43%
12%
31%
50%
24%
26%
8%
INTERESTED
Very interested
Somewhat interested
NOT INTERESTED
Not very interested
Not at all interested
DK / Prefer not to answer
0001 To what extent are you interested in payments that become more invisible? In other words, you just take/order products and
services and the payment happens automatically in the background. (e.g. Uber/Amazon Go) Base: All (n=1539)
INTEREST IN PAYMENTS BECOMING
MORE INVISIBLE:

25. A THIRD ARE INTERESTED IN SOCIAL NETWORKING APPS
AS A PAYMENT OPTION IN CANADA
One-third (33%) of Canadians are
interested in social networking
apps, such as Alipay and WeChat,
as a payment option in Canada,
while 60% are not interested.
Similar to those who are interested in
invisible payments, younger
Canadians (ages 18-34), males,
those who live in urban Canada, and
those with children <18 are
significantly more likely to be
interested in social networking apps,
such as Alipay and WeChat, as a
payment option in Canada.
33%
8%
25%
60%
28%
32%
7%
INTERESTED
Very interested
Somewhat interested
NOT INTERESTED
Not very interested
Not at all interested
DK / Prefer not to answer
0002 In countries with more modernized payments options, consumers use social networking apps, such as Alipay and WeChat. To
what extent would you be interested in these payment options in Canada? Base: All (n=1539)
INTEREST IN SOCIAL NETWORKING APPS
AS PAYMENT OPTIONS IN CANADA:

26. MORE THAN HALF HAVE LEFT A STORE OR ABANDONED AN
ONLINE PURCHASE DUE TO INCONVENIENCE AT CHECKOUT
More than half (53%) of Canadians
have left a store or
abandoned an online purchase at
some point, due to
inconvenience at check-out, with
one-in-ten saying they have
done this on several occasions.
Canadians 18-64, and those
from Ontario and the Prairies, are
significantly more likely to
have left a store or abandoned an
online purchase at some
point due to inconvenience at check-
out.
53%
12%
30%
10%
44%
3%
YES
Yes, on several occasions
Yes, once or twice
Yes, not in the last year
No, not that I can remember
DK / Prefer not to answer
0003 Have you left a store or abandoned an online purchase in the last year because of inconvenience at check -out? Base: All
(n=1539)
LEFT A STORE OR ABANDONED AN ONLINE PURCHASE IN
THE LAST YEAR BECAUSE OF INCONVENIENE AT CHECK-
OUT:

27. FOUR-IN-TEN ARE INTERESTED IN ALIAS OR TOKEN ID ALLOWING
OTHERS TO PAY/SEND MONEY ACROSS A VARIETY OF PLATFORMS
Four-in-ten (38%) are interested in
alias or token ID allowing others to
pay/send money across a variety of
platforms, while 48% are not
interested. Similar to those who are
interested in invisible payments and
social networking apps as a payment
option in Canada, younger Canadians
(ages 18-34), males, those who live in
urban Canada, and those with
children <18 are significantly more
likely to be interested in alias or token
ID allowing others to pay/send money
across a variety of platforms.
38%
8%
30%
48%
21%
27%
14%
AGREE
Strongly agree
Somewhat agree
DISAGREE
Somewhat disagree
Strongly disagree
DK / Prefer not to answer
0004 Would you be interested in an alias or token ID for yourself that would allow others to pay you/send money across a variety of
platforms, such as media, text or email? To what extent do you agree or disagree: Base: All (n=1539)
% AGREE: INTERSTED IN ALIAS OR TOKEN ID THAT
WOULD ALLOW OTHERS TO PAY/SEND MONEY ACROSS
PLATFORMS:

28. ONE-IN-FIVE HAVE UPLOADED AN E-WALLET APP SINCE IT
LAUNCHED IN CANADA
One-in-five (19%) Canadians have
uploaded an e-wallet app since it
launched in Canada. Younger
Canadians (age 18-44) and males are
significantly more likely to say they
have uploaded an e-wallet, while
older Canadians (45 and older) and
females are significantly more likely to
have not uploaded an e-wallet. As
well, higher earning Canadians
($80K+ vs <$80K), are significantly
more likely to have uploaded an e-
wallet app since it launched in
Canada.
19%
78%
70%
9%
3%
Yes
NO
No
No, my bank and debit card are not offering the
service yet
DK / Prefer not to answer
0005 Have you uploaded an e-wallet (Apple Pay, Google Wallet, etc.) app since it launched in Canada? Base: All (n=1539)
Have uploaded an e-wallet:
June 2018: 19%
April 2018: 16%
April 2017: 13% % WHO’VE UPLOADED AN E-WALLET APP SINCE IT
LAUNCHED IN CANADA
Since April 2017, the percentage of
Canadians who have uploaded an e-
wallet has been steadily increasing

29. 70% WHO HAVE UPLOADED AN E-WALLET HAVE USED THIS
PAYMENT TYPE
Among those who have uploaded an e-wallet, seven-in-ten (70%) have used this payment type since it has been launched in Canada.
% WHO HAVE USED E-WALLET SINCE
IT’S BEEN LAUNCHED:
0006 Have you used your e-wallet for payment since you’ve uploaded it? Base: All (n=1539)
Yes
70%
No
30%
19%
HAVE UPLOADED AN E-
WALLET

30. ABOUT PAYMENTS CANADA
Payments Canada ensures that financial transactions in Canada are carried out safely and
securely each day. The organization underpins the Canadian financial system and economy
by owning and operating Canada’s payment clearing and settlement infrastructure, including
associated systems, bylaws, rules and standards. The value of payments cleared by
Payments Canada’s systems in 2017 was approximately $50 trillion or $200 billion every
business day. These encompass a wide range of payments made by Canadians and
businesses involving inter-bank transactions, including those made with debit cards, pre-
authorized debits, direct deposits, bill payments, wire payments and cheques. Payments
Canada is a proud supporter of the Catalyst Accord and The 30% Club.