イタリアでは、電子財布とモバイル決済が人気を集めています: 成功の理由

The reasons for the massive move away from “physical” payments to digital methods are numerous and they all contributed in some way to the ever increasing success of cards (in particular the contactless ones), but especially of apps. First of all, greater security: by keeping cash in your pocket, wallet, handbag or backpack, the risk of losing your money or allowing it to be stolen is always present, whereas with digital payments, that danger no longer exists (especially if you make payments using an app with advanced security features).

Secondly, paying in cash makes keeping track of your transactions difficult: who has never reached the end of the day wondering how they spent those 10 euros missing from their wallet and can’t remember who they gave them to? Digital payments resolve this problem also, because all spending is traceable and verifiable, and you can always check how much you spent and when.

In addition, we should not underestimate what could be the main reason driving the change in attitudes: the convenience of always having money in your pocket, easily available via your smartphone (the companion from which we have become inseparable), so you have it when you need it without having to remember to withdraw cash, bring your wallet or count how much cash you have with you. An e-wallet is always available when you need it: just one tap and the payment is made. And it’s no coincidence that, in terms of digital payment methods, users are increasingly identifying their favourites as the mobile methods that make payments using apps, which are convenient, fast and secure.