Varya Taylor - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-29T02:38:09+00:00Examining Full Collateral Coverage in Canada’s Large Value Transfer System
https://www.bankofcanada.ca/2015/07/working-paper-2015-29/
The Large Value Transfer System (LVTS) is Canada’s main electronic interbank funds transfer system that financial institutions use daily to transmit thousands of payments worth several billions of dollars.2015-07-31T10:49:33+00:00enExamining Full Collateral Coverage in Canada’s Large Value Transfer System2015-07-31Financial institutionsPayment clearing and settlement systemsWorking Paper 2015-29https://www.bankofcanada.ca/wp-content/uploads/2015/07/wp2015-29.pdfExamining Full Collateral Coverage in Canada’s Large Value Transfer SystemLana EmbreeVarya TaylorJuly 2015EE4E47GG2G21Removal of the Unwinding Provisions in the Automated Clearing Settlement System: A Risk Assessment
https://www.bankofcanada.ca/2014/07/discussion-paper-2014-4/
A default in the Automated Clearing Settlement System (ACSS) occurs when a Direct Clearer is unable to settle its final obligation.2014-07-23T11:34:02+00:00enRemoval of the Unwinding Provisions in the Automated Clearing Settlement System: A Risk Assessment2014-07-23Financial stabilityPayment clearing and settlement systemsDiscussion Paper 2014-4https://www.bankofcanada.ca/wp-content/uploads/2014/07/dp2014-4.pdfRemoval of the Unwinding Provisions in the Automated Clearing Settlement System: A Risk AssessmentNicholas LabelleVarya TaylorJuly 2014CC1C15GG0G01G2G3The Role of Convenience and Risk in Consumers' Means of Payment
https://www.bankofcanada.ca/2009/07/discussion-paper-2009-8/
Using data from a 2004 survey of the Canadian public, the authors study the role of convenience and risk in consumers' use of cash relative to debit and credit cards. The authors find that consumers who perceive debit cards and credit cards to be more convenient and less risky than cash use them more frequently.2009-07-01T06:00:00+00:00enThe Role of Convenience and Risk in Consumers' Means of Payment2009-07-01Bank notesDiscussion Paper 2009-8https://www.bankofcanada.ca/wp-content/uploads/2010/01/dp09-8.pdfThe Role of Convenience and Risk in Consumers’ Means of PaymentCarlos ArangoVarya TaylorJuly 2009EE4E41LL2Merchants' Costs of Accepting Means of Payment: Is Cash the Least Costly?
https://www.bankofcanada.ca/wp-content/uploads/2010/06/arango_taylor.pdf
In a competitive sales environment, merchants are compelled to offer consumers the option of paying for goods and services using a variety of payment methods, including cash, debit card, or credit card. Each method entails different costs and benefits to merchants. To better understand the costs of accepting retail payments, the Bank of Canada surveyed over 500 Canadian merchants and found that most consider cash the least costly. This article investigated this perception by calculating the variable costs per transaction of accepting different means of payment. The findings are that costs for each payment method vary by merchant and transaction value, with debit cards the least costly payment for a broad cross-section of merchants.2008-11-11T14:05:06+00:00enMerchants' Costs of Accepting Means of Payment: Is Cash the Least Costly?2008-11-11Merchant Acceptance, Costs, and Perceptions of Retail Payments: A Canadian Survey
https://www.bankofcanada.ca/2008/08/discussion-paper-2008-12/
Using the results of a survey on accepted means of payment, the authors examine merchant preferences and perceptions of retail payment reliability, risk, and costs; the share of each type of payment method over total sales; and the costs involved in accepting payments.2008-08-25T14:09:32+00:00enMerchant Acceptance, Costs, and Perceptions of Retail Payments: A Canadian Survey2008-08-25Bank notesDiscussion Paper 2008-12https://www.bankofcanada.ca/wp-content/uploads/2010/01/dp08-12.pdfMerchant Acceptance, Costs, and Perceptions of Retail Payments: A Canadian SurveyCarlos ArangoVarya TaylorAugust 2008EE4E41LL2Trends in Retail Payments and Insights from Public Survey Results
https://www.bankofcanada.ca/wp-content/uploads/2010/06/taylor.pdf
While the volume and value of bank notes have continued to increase, the use of cash as a payment method has been affected by the growing use of electronic alternatives. Taylor reports on a 2004 Bank of Canada survey of consumers' payment habits and their perceptions of cash and its alternatives, including their confidence in the security of bank notes. Analysis of the survey results shows that numerous factors affect the demand for bank notes, including income, age, education, gender, the use of debit and credit cards, and the perceived convenience of cash. Taylor also includes a report on the construction of a bank note confidence index that will serve as a benchmark for future surveys.2006-04-14T11:37:01+00:00enTrends in Retail Payments and Insights from Public Survey Results2006-04-14