It asked around 1,200 study participants in late October and early November 2010 to carry a payments diary with them for a week and record details of all their payments and cash withdrawals. Details recorded included: the payment method used; the size of the transaction; the merchant category and the payment channel (for example, in person, internet, phone, or mail).
BIS central bankers’ speeches  3  2.  b. Cards are the dominant payment method for mid-value payments (between $ and $ with the use of credit cards growing relative to debit cards as the transaction value increases. c.  BPAY and internet banking are used frequently for bill payments and highvalue transactions.