Final answer:
As of 2019, cheque usage for consumer payments was relatively low. In the United States, they made up about 7.2% of all non-cash payments. None of the provided options match this exactly, but 5% is the closest to being accurate.
Step-by-step explanation:
The question pertains to the percentage of consumer payments made by cheques in 2019. Across different countries and regions, this number can vary. However, historically, cheque usage has been in decline due to the rise of electronic payments. Studies have shown that, on average, cheques accounted for a rather small percentage of consumer payments by 2019. For instance, in the United States, according to the Federal Reserve's 2019 Payments Study, cheques represented approximately 7.2% of all non-cash payments. Considering the provided options, none exactly match this statistic but Option 1 and Option 4, both stating 5%, are closest to the observed trend of decreasing cheque use. It is worth noting that these figures could be slightly higher or lower in other countries, but none of the options shows a high percentage which aligns with general data suggesting that cheque usage has dwindled.