<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
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    <marc:controlfield tag="001">9.862217</marc:controlfield>
    <marc:controlfield tag="003">CaOODSP</marc:controlfield>
    <marc:controlfield tag="005">20221107160946</marc:controlfield>
    <marc:controlfield tag="007">cr |||||||||||</marc:controlfield>
    <marc:controlfield tag="008">180920s2018    oncd    ob   f000 0 eng d</marc:controlfield>
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      <marc:subfield code="a">CaOODSP</marc:subfield>
      <marc:subfield code="b">eng</marc:subfield>
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      <marc:subfield code="a">eng</marc:subfield>
      <marc:subfield code="b">fre</marc:subfield>
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      <marc:subfield code="a">n-cn---</marc:subfield>
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      <marc:subfield code="a">FB3-5/2018-46E-PDF</marc:subfield>
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      <marc:subfield code="a">Vallée, Geneviève.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="245" ind1="1" ind2="0">
      <marc:subfield code="a">How long does it take you to pay? </marc:subfield>
      <marc:subfield code="h">[electronic resource] : </marc:subfield>
      <marc:subfield code="b">a duration study of Canadian retail transaction payment times / </marc:subfield>
      <marc:subfield code="c">by Geneviève Vallée.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="246" ind1="3" ind2="0">
      <marc:subfield code="a">Duration study of Canadian retail transaction payment times</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="260" ind1=" " ind2=" ">
      <marc:subfield code="a">[Ottawa] : </marc:subfield>
      <marc:subfield code="b">Bank of Canada, </marc:subfield>
      <marc:subfield code="c">2018.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="300" ind1=" " ind2=" ">
      <marc:subfield code="a">iii, 28 p. : </marc:subfield>
      <marc:subfield code="b">col. charts.</marc:subfield>
    </marc:datafield>
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      <marc:subfield code="a">Bank of Canada staff working paper, </marc:subfield>
      <marc:subfield code="x">1701-9397 ; </marc:subfield>
      <marc:subfield code="v">2018-46</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">"September 2018."</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="504" ind1=" " ind2=" ">
      <marc:subfield code="a">Includes bibliographical references (p. 16-18).</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="520" ind1="3" ind2=" ">
      <marc:subfield code="a">"Using an exclusive data set of payment times for retail transactions made in Canada, I show that cash is the most time-efficient method of payment (MOP) when compared with payments by debit and credit cards. The efficiency of cash helps explain its continued use in Canada, which is motivated by its low cost in terms of payment time for consumers and merchants"--Abstract, p. ii.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="546" ind1=" " ind2=" ">
      <marc:subfield code="a">Includes abstract in French.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="693" ind1=" " ind2="4">
      <marc:subfield code="a">Retail trade</marc:subfield>
    </marc:datafield>
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      <marc:subfield code="a">Payment</marc:subfield>
    </marc:datafield>
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      <marc:subfield code="a">Bank of Canada.</marc:subfield>
    </marc:datafield>
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      <marc:subfield code="a">Staff working paper (Bank of Canada)</marc:subfield>
      <marc:subfield code="x">1701-9397 ; </marc:subfield>
      <marc:subfield code="v">2018-46.</marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.806221</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="856" ind1="4" ind2="0">
      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">3.00 MB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2018/banque-bank-canada/FB3-5-2018-46-eng.pdf</marc:subfield>
    </marc:datafield>
  </marc:record>
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