{"id":10457,"date":"2012-11-09T14:54:04","date_gmt":"2012-11-09T13:54:04","guid":{"rendered":"https:\/\/www.artera.net\/it\/blog\/?p=10457"},"modified":"2023-02-27T14:44:37","modified_gmt":"2023-02-27T14:44:37","slug":"pagamenti-elettronici-carte-credito-debito","status":"publish","type":"post","link":"https:\/\/www.artera.net\/it\/legal\/pagamenti-elettronici-carte-credito-debito\/","title":{"rendered":"Pagamenti con carte o contanti?"},"content":{"rendered":"<p><img decoding=\"async\" style=\"margin-top:5px; margin-right:15px;\" src=\"https:\/\/www.artera.net\/wp-content\/uploads\/2012\/11\/pagamenti.jpg\" alt=\"\" title=\"pagamenti\" width=\"200\" height=\"154\" class=\"alignleft size-full wp-image-10472\" \/>Nel mese di ottobre ben due agenzie, l&#8217;<strong>Ispo<\/strong> (Istituto per gli studi sulla pubblica opinione) e la\u00a0<strong>Hall &amp; Partners<\/strong>, hanno condotto un sondaggio per capire i gusti degli italiani in materia di\u00a0<strong>pagamenti elettronici<\/strong>.<\/p>\n<p>I nostri consumatori amano di pi\u00f9 <strong>pagamenti con carte di credito e debito<\/strong> (cashless) oppure quelli con i contanti? I risultati sono stati illustrati rispettivamente al Sia Expo 2012 il 10 ottobre e al convegno\u00a0&#8220;Sistemi di pagamento per consumatori consapevoli&#8221; al Consumers&#8217; Forum di Roma il 24 ottobre.<\/p>\n<h2>La ricerca dell&#8217;Ispo<\/h2>\n<p>L&#8217;Istituto per gli studi sulla pubblica opinione ha condotto la ricerca su un campione stratificato e rappresentativo della popolazione adulta, da cui ha ottenuto i seguenti risultati:<\/p>\n<ul>\n<li>La maggior parte degli italiani \u00e8 in possesso di una o pi\u00f9 carte di credito o di debito.<\/li>\n<li>Il 30% del campione \u00e8 disposto ad utilizzare <strong>sistemi di pagamento elettronico<\/strong> anche per importi inferiori ai 50 euro.<\/li>\n<li>I giovani tra i 18 e i 24 anni vedono con interesse la possibilit\u00e0 di effettuare pagamenti tramite smartphone e tablet (<strong>mobile payment<\/strong>).<\/li>\n<li>I pensionati, le casalinghe e gli over 65 guardano con scetticismo le <strong>forme di pagamento alternative al contate<\/strong>.<\/li>\n<li>Per finire, l&#8217;84% dei laureati si dimostra favorevole all&#8217;uso di carte di credito e pagamenti mobile, mentre circa il 44% di chi non ha un&#8217;istruzione secondaria preferisce l&#8217;uso del contante.<\/li>\n<\/ul>\n<h2>L&#8217;indagine di Hall &amp; Partners<\/h2>\n<p>Hall &amp; Partners ha condotto l&#8217;indagine su un campione di 1.000 persone tra i 18 e i 54 anni. Le opinioni e i dati emersi sono i seguenti:<\/p>\n<ul>\n<li>I pagamenti nei negozi vengono effettuati in prevalenza in\u00a0<strong>contanti<\/strong>.<\/li>\n<li>Le carte vengono usate maggiormente per <strong>prelevare denaro<\/strong>: ogni consumatore ha prelevato circa 2.500 euro, contro i 2.000 di transazioni effettuate.<\/li>\n<li>La mancata o <strong>limitata diffusione del POS<\/strong> nelle PMI e in alcuni settori commerciali obbliga i consumatori a pagare in contanti o con assegno.<\/li>\n<li>I consumatori pensano che le card siano pratiche e sicure, ma pi\u00f9 care per loro che per banche ed esercenti.<\/li>\n<li>Se le carte dovessero rincarare i costi, il consumatore tornerebbe all&#8217;uso del contante o diminuirebbe il numero degli strumenti di pagamento posseduti.<\/li>\n<\/ul>\n<h2>Conclusioni<\/h2>\n<p>La media di <strong>transazioni elettroniche<\/strong> registrate in Italia \u00e8 molto minore rispetto agli altri paesi europei: 69, contro 189. C&#8217;\u00e8 ancora molto da fare, e si dovr\u00e0 lavorare su vari fronti:<\/p>\n<ul>\n<li>diffondere la cultura d&#8217;uso del POS;<\/li>\n<li>portare anche in Italia il mobile payment;<\/li>\n<li>offrire carte di credito e debito gratis;<\/li>\n<li>incrementare la sicurezza degli strumenti.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p><img decoding=\"async\" style=\"margin-top:5px; margin-right:15px;\" src=\"https:\/\/www.artera.net\/wp-content\/uploads\/2012\/11\/pagamenti.jpg\" alt=\"\" title=\"pagamenti\" width=\"200\" height=\"154\" class=\"alignleft size-full wp-image-10472\" \/>Nel mese di ottobre ben due agenzie, l&#8217;<strong>Ispo<\/strong> (Istituto per gli studi sulla pubblica opinione) e la\u00a0<strong>Hall &amp; Partners<\/strong>, hanno condotto un sondaggio per capire i gusti degli italiani in materia di\u00a0<strong>pagamenti elettronici<\/strong>.<\/p>\n<p>I nostri consumatori amano di pi\u00f9 <strong>pagamenti con carte di credito e debito<\/strong> (cashless) oppure quelli con i contanti?<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[50],"tags":[120,229,56],"class_list":["post-10457","post","type-post","status-publish","format-standard","hentry","category-legal","tag-pagamenti-online","tag-pos","tag-statistiche"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u2022 Pagamenti con carte o contanti? - Artera<\/title>\n<meta name=\"description\" content=\"Leggi dal blog: Pagamenti con carte o contanti?. 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