Canadian consumers it seems want to purchase things in the easiest way possible and if they cant have it they will walk away from the transaction whether in a store or online Thats the main theme of a recent study on consumer behaviour by Payment Canada The study found that 53 per cent of Canadians are not committed at check out and are walking away from a purchase if their preferred method of payment is not available to them The high abandonment rates at check-out suggest there is a high cost of not integrating faster more convenient payment technologies Gerry Gaetz president and CEO of Payments Canada said in a news release Canadian consumers are speaking with their wallets indicating that they will not buy from those businesses that dont make the payment experience easy The survey found that 70 per cent of Canadians who have uploaded an e-wallet such as Apple Pay used this payment type at least once since its launch in Canada There is also an appetite for other emerging payments that are easier with 43 per cent of Canadians being interested in invisible or non-check-out payment options in store such as Amazon Go or Uber One third is interested in payments via social networking apps like AllPay and WeChatPay Along with social networking aps 38 per cent of Canadians are interested in using alias or token ID an alternate identifier tied to a bank account number that can be used across multiple channels from Twitter to text messages to pay or send money across platforms Some of the other findings from study include the fact that one third of Canadians have deposited a cheque using a camera or mobile app and 96 per cent of them find this convenient Canadians living in urban neighbourhoods are more interested in payments becoming more invisible compared to suburban or rural ones Forty per cent of Canadians store personal credit card information with a mobile app or online ecommerce site and the vast majority 86 per cent feel confident the app or service provider ensure the security and privacy of their personal credit card information Millennials are the most interested in alias or token ID and almost 20 per cent of Canadians have uploaded an e-wallet app in Canada up three per cent from 2017 Consumer spending methods clearly are shifting driven largely by Millennials and Boomers Justin Ferrabee Chief Operating Officer of Payments Canada said in an interview A lot of retailers today are not even taking cash anymore and we are seeing a rise in e-wallets Canadians however still have a high-degree of loyalty to their credit cards to accumulate points One definition of an e- or digital wallet is a system that securely stores users payment information and passwords for numerous payment methods and websites By using an e wallet users can complete purchases easily and quickly with contactless communications technology E-wallets can be used in conjunction with mobile payment systems that allow consumers to pay for purchases with their smart phones They can also be used to store loyalty card information and digital coupons Some other recent studies have shown that the trend to digital in virtually all areas of life and commerce is speeding up as the number of wireless subscriptions in Canada increases mobile data usage rises and Canadians shell out more and more money for more data and faster speeds from their home internet Gaetz says many Canadians are getting a taste of new more convenient digital payment platforms when they travel overseas and are expecting to see these new technologies roll out in Canada Fortunately we are working with Canadian financial institutions and key government stakeholders to design and implement new payment system rules and standards that will make it possible to introduce faster safer and more data-rich payment options for Canadas businesses and consumers Talbot Boggs is a Toronto-based business communications professional who has worked with national news organizations magazines and corporations in the finance retail manufacturing and other industrial sectors MONTREAL Flames goalie David Rittich did everything he could to keep Calgary in the game for the second straight outing but he fell just short against the Montreal Canadiens After a 44-save performance against the Rangers his last time out Rittich made 37 saves as the Flames dropped a 3-2 contest to the Canadiens on Tuesday night The Czech goalie was by far Calgarys best player keeping the score close while his teammates failed to generate enough offence Hes not God out there said Matthew Tkachuk of his goalie He cant stop everything At one point theyre just going to go in They keep getting these chances Eventually its going to go in It was a bad effort after we got away with one in New York because of our goalie And maybe tonight we can return him the favour and play well and bail him out but the opposite again Rittich was locked in to start the night The undrafted 26-year-old made big saves on Canadiens forwards Jonathan Drouin and Max Domi early in the first period to set the tone for the encounter He made a breakaway glove save on Artturi Lehkonen look easy The Flames jumped to a 1-0 lead at 16 46 of the first period when Tkachuks shot bounced off Michael Froliks skate past Carey Price That set the stage for Rittichs highlight-reel saves in the second period With Calgary still holding onto the lead Rittich made four saves on four different Canadiens players in a two-second span First came Xavier Ouellets shot from the point followed by three quick rebounds by Phillip Danault Victor Mete and Brendan Gallagher on the doorstep Right from the start you could see how sharp he was again said Flames captain Mark Giordano Tough not to get points tonight when your goalies that good and holding you in it for as long as he did You cant keep chasing games Its not a good thing to do in this league Eventually its going to come back to bite you We chased the game all night Montreal 5-1-2 was relentless in the second period aided by four consecutive penalties against Calgary 5-4-0 as the home team scored three times in a 3 21 span en route to its fourth win in its last five games With TJ Brodie in the box for interference Rittich finally met his match when Jeff Petry fired a one-timer from the faceoff dot at 15 50 The point was Petrys 100th in a Canadiens uniform Again playing with the man advantage the Canadiens made it 2-1 after Gallagher redirected Petrys sharp pass behind Rittich at 17 29 With 49 seconds left in the second Drouin found some daylight between Rittichs arm and his post as the winger extended his point streak to five games Montreal outshot Calgary 22-8 in the second period We were getting chances and it was just about burying them and putting them in the back of the net said Drouin Its easier to keep going when you have your chances Added Petry of Rittich We knew that eventually he was going to break and we needed to continue to get pucks to the net and the result was going to come Elias Lindholm got one back for the Flames at 11 10 of the third as he finished off a give-and-go with Mikael Backlund for his team-leading sixth goal of the year Price made 21 saves to tie Patrick Roy for second in team history for most wins by a goaltender with 289 Pretty cool experience said Price of tying Roy It was a great night Overall everybody played well Great effort from everybody