<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
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      <marc:subfield code="a">Hernandez, Sebastian, </marc:subfield>
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      <marc:subfield code="a">Tech reluctance : </marc:subfield>
      <marc:subfield code="b">fostering empathy for Canadians facing challenges with digital systems / </marc:subfield>
      <marc:subfield code="c">by Sebastian Hernandez, Helena Wang, Badr Omrane, Vera Roberts and David Pereyra.</marc:subfield>
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      <marc:subfield code="a">[Ottawa] : </marc:subfield>
      <marc:subfield code="b">Bank of Canada = Banque du Canada, </marc:subfield>
      <marc:subfield code="c">2025.</marc:subfield>
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      <marc:subfield code="c">©2025</marc:subfield>
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      <marc:subfield code="a">Staff discussion paper = </marc:subfield>
      <marc:subfield code="l">Document d'analyse du personnel, </marc:subfield>
      <marc:subfield code="y">1914-0568 ; </marc:subfield>
      <marc:subfield code="v">2025-2</marc:subfield>
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      <marc:subfield code="a">"Last updated: January 17, 2025."</marc:subfield>
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      <marc:subfield code="a">ISSN assigned to different series.</marc:subfield>
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      <marc:subfield code="a">Includes bibliographical references (page 18).</marc:subfield>
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      <marc:subfield code="a">"Designing inclusive and user-friendly digital payment systems is crucial to eliminate barriers faced by users. This research focuses on fostering empathy for and identifying the needs of users who exhibit behaviours that indicate they encounter accessibility or usability barriers in digital systems. Specifically, we examine two types of users based on two common behaviours: users who rely on others to perform tasks and those who avoid interacting with technology"--Abstract, page ii.</marc:subfield>
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      <marc:subfield code="a">Includes abstract in French.</marc:subfield>
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      <marc:subfield code="a">Internet banking</marc:subfield>
      <marc:subfield code="x">Barrier-free design</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
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      <marc:subfield code="a">Technology</marc:subfield>
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      <marc:subfield code="z">Canada.</marc:subfield>
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      <marc:subfield code="a">Banques virtuelles</marc:subfield>
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      <marc:subfield code="z">Canada.</marc:subfield>
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      <marc:subfield code="a">Technologie</marc:subfield>
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      <marc:subfield code="a">Bank of Canada, </marc:subfield>
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      <marc:subfield code="a">Staff discussion paper (Bank of Canada)</marc:subfield>
      <marc:subfield code="v">2025-2.</marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.806273</marc:subfield>
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      <marc:subfield code="q">PDF</marc:subfield>
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      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2025/banque-bank-canada/FB3-6-2025-2-eng.pdf</marc:subfield>
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