Nhe last years, The ecosystem of digital payments It has completely transformed. The ‘Tap-to-pay ‘or the approach of a card or a mobile device to a payment terminal, it has spread more and more and‘artificial intelligence generative It is becoming increasingly decisive to increase the protection rates from the fraud.
The boundaries are no longer a real barrier to global trade, instantaneous access to their own income It is now habit, no longer a benefit, as well as paper checks and physical wallets are – quickly – becoming real ‘museum pieces’.
In 2025, in Italy, Digital payments they exceeded the use of cash. This certainly represents A cultural as well as technological turning point. The gesture of paying has become part of a continuous flow: we make purchases, we save, we investwe share money with a few clicks, often without even realizing it. The digitization of money reflects new habits, greater practicality and speed in purchases, but also New challenges and some risk.
Contrast the scammers who exploit the ia … with the IA
IT criminals already use generative artificial intelligence to create Fake videos and personalized phishing messages With the aim of stealing money or data, and it is expected that computer crime will grow up to 10 billion euros by 2025 (source: Cybercrime Magazine). The same technology, however, is also used to combat computer threats: for example the solution Decision intelligence pro di MasterCard analyzes 1 trillion of data in less than 50 milliseconds to identify fraudulent transactions, increasing protection from fraud up to 300%.
Easier and safer authentication
Reliable identity has become a key factor for the digital economy since Facilitates safe interactions thanks to biometry and automatic learning. The adoption of Passkeys, the authentication without a password based on biometry, will grow by 2025, transforming digital payments into everyday life and making the purchase experience increasingly easier and safe.
The era of the token economy
Among the trends identified by Mastercard who will influence the way we will also pay the Token economy. Tokenization transforms i personal data and payment in token, ensuring the safety of digital payments and making the data encrypted unusable from criminals in case of interception.
This technology is essential to eliminate the manual insertion of the card number and is guiding the development of trade on the move. Its potential goes beyond payments, allowing you to share purchasing habits without revealing personal data and digitizing the activities through the blockchain.
Digital payments: because we like them
Among the main factors that guide us in choosing digital payments with respect to the use of cash, practicality was mentioned as a main factor by 57% of the sample of a recent research carried out by Nielsen for American Expressfollowed by speed (46%). In particular, the use of paper payments saw a clear growth: 34% of Italians used the cards most frequently for online purchases in the last year, while 31% used them more in physical stores.
Gen Z leads this trend in terms of growth in usewith 56% that uses online cards most frequently and 38% in physical stores. In general, the main reasons to choose credit or debit cards include the Possibility to track expenses (52%) and the convenience of making faster and more autonomous payments (51%), such as at the payment totems.
Shedding light on the factors that influence the adoption of digital payments and consumer spending habits in Italy, according to research, in the last 12 months 90% of interviewees increased the use of digital payments compared to the use of cash, With about a third that uses payments with paper more frequently.
The gentz is afraid of fraud and scams
The young people of the Genzborn in ‘bread and cookies’, are hyper-confident and critical towards everything around them: “I don’t believe it” is in fact the first belly reaction with which they face everything, Convinced that only by questioning everything will they have less chance of being screwed. This sense of distrust arises from deeper and complex roots to eradicate, these boys grew up with a narrative on the disenchanted future: natural catastrophes, economic crises, warsunstable policies have contributed to spreading a sense of total uncertainty in tomorrow.
Safety regarding digital payments is therefore confirmed as a Priority for 42% of young people interviewed In a recent Mastercard research carried out in collaboration with Zelo. Require clear guarantees and specific reassurances regarding the protection of transactions and their financial data, Especially in case of errors or economic losses.
Interesting to note, then, that 41% of the young people who participated in the investigation believe that The school must include financial education courses To provide useful practical tools in daily life. The boys perceive the educational system as antiquated and unsuitable to prepare them in the real world. It is for this lack of knowledge that everything related to the financial and banking world necessarily passes through the home, with 60% who declare they are influenced by parents – Then from friends 21%, and finally from content creators 20%.
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