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Italy is increasing the use of ATMs: in 2008, there were 958 million ATM operations, increasing +21% from 2007, for a total value of more than 120 billion euros.

This is also thanks to the development and spreading of web-based ATM technologies (in 2008, 35% of Italian ATM used them), that allow an higher flexibility and therefore a wider range of services. In fact, it’s increasing the number ATM that offer other services besides cash withdrawal: phone and other prepaid cards recharge, cash advance, tax, ticket or fine payments, donations.

56% of ATMs has anti-fraud systems (to prevent credit or debit card cloning), which may be less than what consumer maybe hope, but this share is increasing. Likewise, it’s increasing the number of ATMs accessible by disabled people: despite they were only 46% in 2008, the percentage more than doubled from the 22% in 2007.

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Gli sportelli bancomat delle banche si evolvono: sempre più non solo prelievi

The Italian consortium that manages debit cards organized a lottery to promote the use of debit cards in everyday payments. Every debit card payments allows to earn points, and consumers that reach a certain total become elegible for some prizes that will be drawn. It’s interesting the way points are given, that rewards most of all small payments: payments from €1 to €20 ($0.69 to $13.90) are awarded with 3 points; from €20 to €50 ($13.90 to $34.75), 2 points; more than €50 ($34.75) only 1 points.

Today, Italians use debit cards frequently for greater amounts payment, but debit cards are seldom used for micropayments, compared to the European average.

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Un concorso per incentivare i pagamenti tramite Bancomat

According to data from Italian Banks Assiation, credit and debit cards circulation and use in Italy is significantly growing. In 2008, there were 74 million credit and debit cards (including also prepaid cards and revolving cards), 10% more than 2007.

This growth can be explained with the development of e-commerce, but also with the wider diffusion of prepaid cards, that join the more usual credit and debit cards.

Here’s the breakdown of credit and debit card use:

(*) A card is considered active if it has been used at leas once in the year
(**) Transaction in “physical” point of sales

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74 milioni di carte di credito, prepagate e bancomat in circolazione in Italia

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According to ISPO poll , two out of three Italians think that the future payments will be known as” electronic money “, ie debit and credit . And ‘Interestingly, it seems, the more convinced of the quality of these payment methods is precisely those who already have cards of this type (a slice of the population still widespread, given the even spread of simple ATM card).

Of course, it is anticipated the objection that since the survey was commissioned by Pagobancomat and VISA, the results were imaginable. should in any case acknowledged that the cash is safe (in particular loss and theft) that on closer inspection are generally much higher than those paying with paper that runs debit or credit . These advantages, highlighted by the survey, plus the advantage of having no other problems, not to mention the fact that a certain extent protect against payment card fraud (both as recipient of the money is “path” is because in some cases credit cards provide a refund in case of fraud), especially if you turn the warning and reporting systems that provide almost all the cards (which actually seems not all do ).

Electronic money then, can actually offer greater simplicity in payment, subject however to observe some simple rules of” financial health “, the first is the keep costs under control , which may be more difficult for someone with elettronci payments, and do not abuse the financing options offered by most credit cards.

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Sondaggio: il futuro dei pagamenti è la moneta elettronica

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Barclays is introducing in Europe the Cards “contactless”, ie able to pay without having to be “crawled” and without enter PIN. Actually is not a new technology , since the same Barclays had introduced a paper “ Wave and pay “(” Shake and pay) in 2006, the OnePulse . In the field of credit cards is an experiment in progress for some time: even VISA, for example, is a little ‘experimenting with contactless payment methods.

In the field of payment cards, credit Valtellinese has already introduced several months paper” contactless “ < span style = "font-weight: bold;"> for micropayments.

The Barclays card (which is a payment card – an ATM, to understand – and not a credit card) could give further impetus to the field , out of the test phase and enter players in the market yet in Britain, Spain, Turkey and Switzerland, while Italy will have to wait a bit ‘.

This is a payment method very convenient , and suitable for small amounts , since it does not force them to enter the PIN and the transaction takes place very quickly. A good way especially for microacquisti as the purchase of bus ticket , or payment of parking tickets , where often the problem is the hassle of receive pennies in change, which is avoided . This is a trivial problem but also often leads to wastage is common experience to many that the coins are just kept “from account”, and is easy to waste them on small purchases silly if only to avoid the hassle of bringing doversele behind. Most people tend to spend 10 euros in coins much faster than 10 euro banknotes, and buying anything but necessary. From this point of view, cards “wave and pay” may also help to avoid wasting money on unnecessary purchases. />

must be said that though, there are lights and shadows .

• First, reduces the ability to identify the user . As we mentioned some ‘time ago, security authentication is usually achieved combining different strategies : in particular, in the case of traditional ATM is combined something the user “has” (ATM card) with something the user “knows” (the code). In the case of contactless payments is sufficient to hold the paper, but there is no verification that the person uses is the rightful owner.
• Second, being a paper-based chip is much more difficult to clone , thereby increasing the security of the card.
• is quite natural to fear that someone could connect to the card but the owner’s be said that because the mechanism to work the card must be within a few inches from the receiver , without obstacles. In short, the simple fact of keeping it within the portfolio is basically a security measure.
  

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POST UPDATED L ’11 January 2009

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Arriva il Bancomat senza PIN: la carta di debito contactless