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…   7. Hardware encryption - Apple’s Secure Element (SE) and Android’s cloud-based Host Card Emulation (HCE) provide a … will inevitably be using a phone for face-to-face payments. 11. Convergence - Phones aggregate your life’s activities … allows payment of electricity, water and even satellite TV services. Visitors to Canada from Europe, Asia and Africa …

… 3  https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1710000901 4  https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1710000501 5  …

… retail payment transactions made in 2023, totalling $11.9 trillion . The report reveals that the Canadian payment … per cent); electronic funds transfer (15 per cent); cash (11 per cent); online transfer (six per cent); cheque, … 15 per cent of payment volume, followed by cash at 11 per cent, online transfer at six per cent, in addition to …

… on volume.   1.06 billion e-transfers were sent in 2022, up 11 per cent in volume from 2021. Nearly half (48 per cent) … 20.5 billion payment transactions made in 2022 totaling $11.7 trillion (more than $475 billion every business day) … payment type with year-over-year volume growth of 11 per cent and value growth of 19 per cent from 2021. …

… Pay button wherever a checkout button is displayed for Android and Chrome users. This means we can minimize screen …