[kejaed]

Canada (Ottawa, ON): the only cash I deal with now is for the kids to learn about or for the odd farm stand. Most farm stands have gone to cashless as well.

Canada’s got the Interac system owned by the banks which has merchant fees lower than credit cards and also provides an electronic money transfer system (email or sms based) for the public.

[armoredkitten]

+1 to this. To add to this, Canada has for years had higher adoption/usage of debit cards relative to the US, and most transactions are handled with tap-to-pay, either with debit or credit.

But yeah. Bank-to-bank e-transfers through Interac are well-used as well. I pay my rent with it. I pay back my friends with it if we need to split a bill, since there's no Venmo here.