Casual talks

This time we are looking on the crossword puzzle clue for: Casual talks.
it’s A 12 letters crossword definition.
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Last seen on: USA Today Crossword – Apr 8 2021

Random information on the term “CHATS”:

Faster Payment System (FPS; Chinese: 快速支付系統, more commonly known as 轉數快) is a real-time gross settlement payment system in Hong Kong that connects traditional banks and electronic payment and digital wallet operators. Users are able to perform instant money transfer or make payment to merchants by using the recipient’s phone number, e-mail or QR code that contains the user’s numeric identifier. Using the “traditional way” of full name and account number to make interbank transfer is also allowed.

The system was implemented by the Hong Kong Monetary Authority and operated by Hong Kong Interbank Clearing Limited (HKICL). It was launched for pre-registration on 17 September 2018. Transfers and payments is available since 30 September 2018.

Traditional interbank transfers required payment of fees between 50 HKD and 200 HKD, or a waiting time of up to two days before the payment clears. FPS provides an instant, round-the-clock and cheap way of transferring funds. For personal banks accounts, interbank fund transfer through FPS is normally free of service charges.

CHATS on Wikipedia