意大利數(shù)字支付行業(yè)市場前景及投資研究報告-培訓課件外文版2024.6微信支付寶

COUNTRIES

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REGIONSDigitalpaymenttypesinItalyCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)inItalyfrom2009to2021AnnuallevelofcashpaymentsinItaly2009-202190%76.9%80%70%60%50%40%30%20%10%0%75.6%75.6%73.3%72.7%69.8%67.8%65%63.3%59.5%59.8%54.4%49.8%20092010201120122013201420152016201720182019202020214Description:CashmoneymadeupthemajorityofItalianretailpaymenttransactionsin2020,despiteadecreasingmarketsharesince2010.Thisaccordingtoestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Suchadiary,coveringconsumers'useofcashmoneyinshops,washeldinEuropeonlyonce,in2017.Asnotallpaymentdataisreadilyavailable,liketheuseofOTCor[...]

ReadmoreNote(s):Italy;2009to2021;ThenumbersprovidedhavebeencalculatedbySource(s):Bancad'Italia;ECB;IMF;PYMNTSusingnumbersonATMandOTCwithdrawals.Seethe"Details"tabformoreinformationShareofcurrencyincirculation(CIC)tothenominalGDPofItalyfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratioofItaly2001-202216%14%12%10%13.78%13.51%12.89%11.44%11.48%11.11%10.94%10.79%10.37%10.03%9.49%9.11%8.83%8.66%7.93%8%6%4%2%0%7.16%7%6.55%5.98%5.46%5.05%4.85%2001

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20225Description:Currencyincirculation,orthevalueofcoinsandbanknotes,madeuproughly13percentofGDPinItaly,anincreasewhencomparedtopreviousyears.Thisso-calledCIC/GDPratioroughlymeasurestheuseofcashinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoo[...]

ReadmoreNote(s):Italy;2001to2022;ThesourceonlyreportscashincirculationforEU-27countriesas"EuroArea-Wide-Residency"Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inItalyfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinItaly2017-2023,with2027forecast201722%61%2%5%2%-201921%58%4%6%3%-202034%30%8%202133%27%10%12%10%-202236%27%13%12%10%2%202335%25%15%12%10%2%202731%19%30%10%8%DebitcardCashE-wallet,Digital/mobilewalletPrepaidcard13%5%Creditcard(incl."chargecard"since2021)*POSfinancing*6%2%Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---8%---BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*---0%-------Chargecard*9%10%4%6Description:ThemarketshareofdebitcardsinItalianPOSpaymentsincreasedsinceCOVID-19,althoughtheshareofcashwasstillrelativelyhigh.Althoughcashmadeup27percentofallin-storepaymentsinItalyin2021-andhaddeclinedsignificantlyfromamarketshareofnearly60percentin2019,oneofthehighestcashmarketsharesinEuropethatyear-itwasnotfarofffromthemarketshareofdebitcards.ThesourceexpectscashwillstillbeusedrelativelyofteninItalyinthenearfuture,but[...]

ReadmoreNote(s):Italy;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeinItalyasofDecember2023PaymentsatpointsofsalebytypeinItaly2023Shareofrespondents0%10%20%30%40%50%60%70%Cash64%Creditcard46%45%DebitcardPrepaidcard/vouchers17%16%Mobiledevice(e.g.,smartphone,smartwatch)Check3%2%2%IhavenotpaidatanypointofsaleOther7Description:"Cash"and"Creditcard"arethetoptwoanswersamongItalianconsumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):Italy;JanuarytoDecember2023;2035respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppinginItalyfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsinItaly2016-2023,with2027forecast201631%31%10%5%201731%36%4%201933%24%10%5%202036%19%12%7%202134%24%11%8%202235%22%9%202335%21%15%10%9%202746%18%12%8%E-wallet,Digital/mobilewalletCreditcard-incl."chargecard"since2021*PrepaidcardDebitcard6%9%Account-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**-----13%9%Buynow,paylater(BNPL)Cashondelivery(CoD)PrePay-7%2%10%--7%1%8%-1%7%3%11%-2%5%3%9%1%3%2%4%4%2%11%2%-6%4%2%-6%3%2%5%1%1%Banktransfer**Directdebit**-Chargecard*4%-6%1%4%2%-Others-incl.cryptocurrencysince20222%0%0%0%8Description:BNPL'smarketsharegrewinItalybetween2019and2022,althoughitwasnotthemostusedpaymentmethodine-commerce.Italypreferstousewalletsoverotherpaymentoptionsforonlineshopping-includingcreditcards.ThismayhavetodothepopularityofdomesticschemeBancomatoverVisaandMasterCard.TheschemealsoreceivedofficialApplePaysupportinearly2022-whichmayincreasemarketshareinthenearfuture.

ReadmoreNote(s):Italy;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.;*In2022,thesourcestateditmergedthecategoriesof"creditcards"togetherwith"charge/deferreddebit[...]

ReadmoreSource(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeinItalyasofDecember2023MostcommononlinepaymentsbytypeinItaly2023Shareofrespondents0%10%20%30%40%50%Onlinepaymentservices(e.g.,PayPal,AmazonPay)54%CreditcardDebitcard45%36%Prepaidcards/vouchersDirectdebit33%23%21%CashondeliveryCashinadvance12%Byinvoice7%IhavenotconductedanypaymentsonlineOther4%2%9Description:"Onlinepaymentservices(e.g.,PayPal,AmazonPay)"and"Creditcard"arethetoptwoanswersamongItalianconsumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".

ReadmoreNote(s):Italy;JanuarytoDecember2023;2035respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcryptocurrencycomparedtootherpaymentmethodsinselectedcountriesacrosstheworldasof2023Penetrationofcryptoasameansofpaymentinselectedcountriesworldwidein2023Share

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freAustraliaAustria2%1000Everythre2%24872975EverythreEverythreBelgium1.4%CanadaCyprus1%20001016EveryfouEverythre1.5%Estonia0.9%1506Everythre10Description:Cryptocurrencyasapaymentmethodrarelyexceededthreepercentofoverallpaymentswithinacountrybetween2021and2023.Thisisaccordingtomultiplepaymentdiarysurveyshelddomesticallyacrosstheworld,atvarioustimes.Duetothedecentralizednatureofcryptocurrencies–Bitcoinitself,forexample,wasinitiallycreatedasaprotestagainstcentralauthorities–thereisnounifiedapproachordatabasetotrackhowmuchthedigitalassetisusedasapaymentmethod.Some[...]ReadmoreNote(s):Australia,Austria,Belgium,Canada,Cyprus,Estonia,Finland,France,Germany,Greece,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Slovakia,Slovenia,Spain,Sweden,Switzerland,UnitedKingdom,UnitedStates;March2023;Asof2023,thereisnocentralizedtrackingofcryptopaymentsacrosscountries.Thenumbersprovidedhereweregatheredfromvariousdomesticsourcesandstemfromlocallyheldpaymentdiaries,whichareheldatvariousfrequencies,timesofyear,andlikelyfollowdifferentmethodologiesoraskdifferentquestionsfromoneanother.Thefiguresmaythereforenotnecessarilybecomparabletooneanother.Source(s):BankofCanada;DNB;ECB;FederalReserve;FinancialConductAuthority;Ipsos;NationalBankofPoland;ReserveBankofAustralia;SchweizerischeNationalbank;TheDutchPaymentsAssociation;TheRiksbank;YouGovCHAPTER

02PenetrationPenetrationrateofcreditcardsinItalyfrom2014to2029PenetrationrateofcreditcardsinItaly2014-2029908077.374.4871.6468.8170605040302010065.9863.1960.4757.8857.9853.5749.5945.942.4840.2838.236.22201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationinItalywasforecasttocontinuouslyincreasebetween2024and2029byintotal14.1percentagepoints.Afterthefifteenthconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach77.3percentandthereforeanewpeakin2029.Notably,thecreditcardpenetrationofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Italy;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsinItalyfrom2014to2029PenetrationrateofdebitcardsinItaly2014-20299084.684.4484.8885.2984.0183.9783.4283.4882.8482.482.9582.2681.8477.288070605040302010070.5964.48201420152016201720182019202020212022202320242025202620272028202913Description:ThedebitcardpenetrationinItalywasforecasttocontinuouslyincreasebetween2024and2029byintotal2.3percentagepoints.Aftertheseventhconsecutiveincreasingyear,thedebitcardpenetrationisestimatedtoreach85.29percentandthereforeanewpeakin2029.ReadmoreNote(s):Italy;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsbysituationinItalyin2022MobilepaymentsbysituationinItaly2022Shareofrespondents0%5%10%15%20%25%30%35%40%IwouldliketopaywithmysmartphoneallthetimeForfoodanddrinksinrestaurantsForpublictransportationticketsForeverydaypurchases(e.g.food)ForfoodanddrinksinbarsandcafésForadmissiontickets37%15%15%14%14%13%13%FortravelbookingForminorpurchases(e.g.decorationitems)Formajorpurchases(e.g.washingmachine)Idon'twanttopaywithmysmartphoneatallOther11%10%15%2%Don'tknow10%14Description:Whenaskedabout"Mobilepaymentsbysituation",mostItalianrespondentspick"Iwouldliketopaywithmysmartphoneallthetime"asananswer.37percentdidsoinouronlinesurveyin2022.ReadmoreNote(s):Italy;fourwavesfrom07January2022to12December2022;2031respondents;18-64yearsSource(s):ConsumerInsightsCryptoAdoptionIndexrankingofItalyfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentinItaly2020-2023,bymetricRank

ofindividual

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indexOverallranking(outof146countries)202049202179202251202337Overallindexscore(1=highest,0=lowest)0.11310.03310.24320.0434On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking36343237Numberofon-chaindeposits,ranking7178n/a151n/an/a13230n/a72Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/a28On-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a272815Description:AcountryrankingthatestimatescryptoadoptionbasedontransactionvolumeputItalyinthetop50oftheworldforthefirsttimein2023.Untilthen,Italy'scryptoadoptionwasconsideredtoberelativelystable.Thefigurefor2022,especially,standsoutasitbrokeadecliningtrendin2021andwaslikelycausedbythechangeofthemethodologytonowincludeDecentralizedFinance(DeFi)intheindex.Forexample,Italyreachedasignificantlyhigherindexscorein2022thanin2021.ReadmoreNote(s):Italy;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):Chainalysis;percapitaShareofdigitallyinitiatedremittancesinItalyfrom2ndquarter2016to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingdigitalremittancesinItaly2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

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Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202316Description:TheshareofdigitalremittancesleavingItalywasslightlyhigherin2023thaninpreviousyears,takingupthemajorityofmoneytransfers.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromItaly.ThethreecountriesItalysendsthehighestvalueofremittancesincludeRomania,France,Morocco.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetweenindividual[...]ReadmoreNote(s):Italy;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)Distributionofdomesticandcross-bordere-commercerevenuesin2023,bycountryDomesticandcross-bordere-commercerevenueshare2023,bycountryShareofrevenueCross-border

Domestic40%

50%0%10%20%30%60%70%80%90%100%Japan

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3%98%97%97%97%97%97%97%96%96%96%95%94%FinlandGermanyUnitedKingdomArgentina4%4%4%5%6%Indonesia17Description:TheDigitalMarketOutlookestimatesthattheshareofcross-bordere-commerceretailrevenuein2023willbeonlyaroundtwopercentinJapan.TheUnitedStatesandChinaalsohadarelativelylowshareofcross-boarderrevenue,atthreepercent.BelgiumandAustria,ontheotherhand,hadasignificantlyhighershareoftheire-commercerevenuegeneratedcross-border,at32and19percent,respectively.

ReadmoreNote(s):Worldwide;estimatesSource(s):DigitalMarketInsightsCHAPTER

03BiggestbrandsMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inItalyfrom2016to2022BiggestinternationalanddomesticpaymentcardschemesinItaly2016-2022BancomatVisaMastercardAmericanExpressPosteItalianeSpA120%100%80%60%40%20%0%201620172018201920202021202219Description:BancomatinItalyrecovereditsleadingmarketposition,afterCOVID-19ledtoasignificantdeclineintheuseofthecardbrand.BothVisaandespeciallyMasterCardwereusedmoreoftenfore-commerceandPOSpaymentsinthecountryin2020thanthecountry'sdomesticpaymentoption.Noreasonisprovidedforthissuddenshift,althoughtheincreasinguseofVisacouldbeattributedtoagrowingcreditcardpenetrationinItaly.ReadmoreNote(s):Italy;2016to2022;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayMobilepaymentsusageperformedwithanymobiledeviceatPOSinItalyfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSinItaly2018-202318%16%14%12%10%8%6%4%2%0%2018

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Q4202320Description:Between2018and2023,theusageofmobilesatpointofsaleinItalywitnessedanincreaseofeightpercentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodatsevenpercent,whichincreasedto15percentinthethirdquarterof2023.?ThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepayment[...]

ReadmoreNote(s):Italy;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMostusedmobilepaymentsbybrandinItalyasofDecember2023MostusedmobilepaymentsbybrandinItaly2023Shareofrespondents0%10%20%30%40%50%PayPal48%ApplePay35%GooglePay32%BancomatPay26%26%SatispayMastercardClicktoPay(Masterpass)17%SamsungPayTinaba8%4%Alipay3%3%3%3%FitbitPayGarminPayXMEPayBoon.PaybackPayOther2%2%3%21Description:WeaskedItalianconsumersabout"Mostusedmobilepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"PaybackPay"isattheotherendoftheranking.ReadmoreNote(s):Italy;JanuarytoDecember2023;317respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12months(Health,Finance,Insurance)Source(s):

ConsumerInsightsMostusedonlinepaymentsbybrandinItalyasofDecember2023MostusedonlinepaymentsbybrandinItaly2023Shareofrespondents0%10%20%30%40%50%60%70%80%90%100%PayPal89%GooglePayAmazonPay19%18%Satispay15%14%13%MastercardClicktoPay(Masterpass)ApplePayKlarna10%ScalapayMyBankSamsungPayTinaba7%3%3%3%3%XMEPaySkrill2%22Description:WeaskedItalianconsumersabout"Mostusedonlinepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"TransferWise"isattheotherendoftheranking.ReadmoreNote(s):Italy;JanuarytoDecember2023;1105respondents;18-64years;respondentswhousedonlinepaymentmethods(Health,Finance,Insurance)Source(s):ConsumerInsightsBiggestbuynow,paylater(BNPL)appsinItalyfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsinItaly2015-2023,basedondownloadsPayPal*KlarnaScalapayMyCofidis*Tabby1,600,0001,400,0001,200,0001,000,000800,000600,000400,000200,000023Description:ScalapaydownloadsinItalyincreasinglystartedtoresemblethoseofKlarna,althoughtheSwedishappwasstillmorepopularin2022and2023.AlthoughKlarnaisthemostnotableinternationalentryintotheItalianmarket,manypeoplelookatScalapayasitisItaly'sfirstunicorn.TheBNPLstart-upismostlygearedtowardsB2B,asthemarketshareofBNPLwithinItalianB2Ce-commerceisnotashighasotherpaymentmethods.PayPalisamajorplayerinItalybutthenumberson[...]

ReadmoreNote(s):Italy;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup99.7percentofalldownloadsinQ42023Source(s):AppMagic;BuiltWith;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBiggestwalletsforcryptocurrencystorageinItalyfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsinItaly2015-2023,basedondownloadsBinanceCoinbaseKuCoineToroMetaMaskWirexBybitTrustSweatWalletYouHodlerOKXKrakenBitgetCoinbaseWalletBitcoin&CryptoDeFiWallet1,200,0001,000,000800,000600,000400,000200,000024Description:Binance,eToro,andBybitwerethethreemaincryptowalletsinItalyattheendof2023,whilstdownloadsofMetaMaskcontinuedtodecline.Thisisaccordingtoanestimateusingroughly190differentappsthatofferacryptowalletfunctionfromacrosstheworld.Walletsarebutonetypeofappthatinteractwithdecentralizeddigitalassets,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,andlesssofor[...]

ReadmoreNote(s):Italy;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup83.0percentofalldownloadsinQ4[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)BiggestbrandsforremittancesinItalyfrom1stquarter2011to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingremittancebrandsinItaly2011-2023MoneyGramWorldRemitWesternUnionRiaSmallWorldWiseRemitlyBancaIntesaSanPaoloPosteItalianeviaWesternUnionPosteItalianeviaMoneyGramOther120%100%80%60%40%20%0%25Description:MoneyGramwasusedthemostforoutgoingremittancesfromItalyin2023,aheadofseveralotherMTOsandbankoptionswithinthecountry.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromItaly.ThethreecountriestowhichItalysendsthehighestvalueofremittancesareRomania,France,andMorocco.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltraffic[...]ReadmoreNote(s):Italy;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationinItalyfrom2000to2022AnnualcreditcardanddebitcardsissuedinItaly2000-2022CreditcardsDebitcards70,000,00060,000,00050,000,00040,000,00030,000,00020,000,00010,000,00002000

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202227Description:ApproximatelysixpercentofpaymentcardsinItalywerecreditcards,reachingatotalofaroundfourmillionin2022.Debitcardswerefoundmoreofteninthecountry,asthatyeartherewerearound64millionofthesecards.Thenumbersprovidedareestimates,basedonthefigurescentralbankshavetosupply.Owningapaymentcarddoesnotimmediatelyindicateitgetsused,astherearelargedifferenceswithinEuropewhenitcomestotheuseofcertainpaymentmethods.

ReadmoreNote(s):Italy;2000to2022;FigureswerefirstreleasedinNovember2023,andhaveaboutayeardelayduetocalculationsSource(s):Bancad'Italia;ECB;ShareofindividualswhoownacreditcardinItalyin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationinItaly2011-2024,bydemographic201130.5%-201436.2%32.3%201742.5%37.9%202157.9%49.6%2024*64.2%56.6%-OwnershipUsedacreditcardGender:Male39.8%22.9%46.1%27.2%51.7%34%56.2%59.7%62%66%-FemaleAgegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%10.3%33.6%16.3%39.3%17.5%45.7%52.1%58.6%56.9%64.8%-20.4%37.2%22.3%46%30.7%49.9%56.2%59%62.2%65.3%28Description:Accordingtoathree-yearsurvey,morethanhalfoftherespondentsfromItalyownedacreditcardin2021althoughlessthanhalfactuallyusedone.Thedifferencebetweenownershipandusagewasroughlyeightpercentagepointsin2021,anotabledecreasefromadifferenceoffivepercentagepointsin2017.ThereportaddsthatwomenweremorelikelythanmentoownsuchapaymentcardintheEuropeancountry.Gen

heagegroup15to24yearsinthissurvey-wasless[...]

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedby

Thefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;WorldBankShareofindividualswhoownadebitcardinItalyin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialdebitcardpenetrationinItaly2011-2024,bydemographic201135.2%-201464.5%52.6%201784.6%72.9%202182.3%72.9%2024*92.9%84.4%OwnershipUsedadebitcardGender:Male43.1%28.7%75.7%54.1%91.5%78.2%83.7%80.8%90.1%95.3%FemaleAgegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%15%32%44.1%89.9%73.6%83.3%90%41.8%69.6%92.7%27.8%40.1%49.6%74.9%76.4%89.8%76.1%86.4%91.2%93.7%29Description:Accordingtoathree-yearsurvey,morethaneightoutof10respondentsfromItalyownedadebitcardin2021with72percentactuallyhavingusedone.Thedifferencebetweenownershipandusagewasroughly10percentagepointsin2021,aslightdecreasefromadifferenceof12percentagepointsin2017.ThereportaddsthatmenweremorelikelythanwomentoownsuchapaymentcardintheEuropeancountry.Gen

eagegroup15to24yearsinthissurvey-wassignificantlyless[...]

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedby

Thefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;

WorldBankEstimatednumberofpeoplewhoholdortradecryptocurrencyinItalyfrom4thquarterof2021to4thquarterof2022QuarterlynumberofcryptousersinItaly2021-2022Numberofusers(inmillions)Shareofpopulation(%)3.53.02.52.01.51.00.50.04.94.84.74.64.54.44.34.2Q42021Q32022Q4202230Description:ThenumberofcryptousersinItalyincreasedbyslightlyover10percentbetweentheendof2022andtheendof2021.Thisisaccordingtoestimates,compiledfromvariousreportsandresearch.ThenumbersprovidedarefromStatista'sCryptopulsecheck,aquarterlyreportaimedatmappingoutthesizeandcharacteristicsofcryptomarketsin50differentcountriesworldwideinacross-comparableway.Theanonymitybehindcryptocurrencies–akeyfeatureintheirdesign–[...]

ReadmoreNote(s):Italy;Q42021toQ42022;Allfiguresareestimates;NofiguresareavailablefrombeforeQ42021Source(s):Varioussources(AppMagic,CoinGecko,CoinMarketCap,CoinMetrics,GDELT,Messari,OECD,WorldBank)ShareofonlinefashionshoppersusingBuyNow,PayLater(BNPL)optionsinItalyin2023,byagegroupBNPLuseforfashionshoppinginItaly2