The objective of this article is to study cash use in Canada. The Bank of Canada, as the sole issuer of Canadian bank notes, needs to understand the public’s demand for cash. However, measuring cash use is difficult because it is an anonymous payment method. Given this, cash use is typically inferred through indicators such as aggregate cash withdrawals from automated bank machines (ABMs). Because of their aggregate nature, such measures do not provide any information on the typical characteristics of the users of cash. The Bank has therefore commissioned the Methods-of- Payment (MOP) Survey, first conducted in 2009 and repeated in 2013. A key component of these surveys is the payment diary, in which users
record all their cash and non-cash payments over a three-day period.