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      <marc:subfield code="a">An empirical analysis of bill payment choices / </marc:subfield>
      <marc:subfield code="c">by Anneke Kosse.</marc:subfield>
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      <marc:subfield code="a">Ottawa, Ontario, Canada : </marc:subfield>
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      <marc:subfield code="a">"Last updated: May 17, 2021."</marc:subfield>
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      <marc:subfield code="a">Includes bibliographical references (pages 19-20).</marc:subfield>
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      <marc:subfield code="a">"The aim of this paper is to examine which payment instruments Canadians use for paying bills and to assess the factors driving their bill payment behaviour. I use 2019 survey data collected among over 4,000 Canadians and estimate a set of binomial and multinomial regressions to assess the factors influencing consumers' use and perception of different bill payment options"--Abstract, page ii.</marc:subfield>
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      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2021/banque-bank-canada/FB3-5-2021-23-eng.pdf</marc:subfield>
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