RBI says the note-ban has resulted in a "fundamental shift" in the payment habits in the economy-a move away from cash payments to and a wider adoption of retail electronic payments, card usage at merchant terminals and cheques.<br/> <br/>The Reserve Bank has said in its study report in Mumbai yesterday that the demonetisation has impacted the inter-bank payments and settlement system significantly in moving cash<br/>transactions to non-cash modes of payments in three segments-<br/>retail electronic payments, card usage at PoS terminals and cheques.<br/>'<br/>As per the study, cheque volumes and values contracted during the pre-demonetisation period but recorded positive growth during demonetisation as well as post-note-ban months.<br/><br/>It said there was a sharp growth in card transactions at points of sale terminals for both demonetisation and post- demonetisation periods.