The use of digital channels for banking operations is increasing in 2022: active customers on Mobile Banking grow by 13,1% while those who operate via Internet Banking from the Web Portal of 3,3%.
The ever more present App on your smartphone allows access to mobile banking which has now become a trend given that, according to the latest annual report produced by ABI Lab, in the last ones 5 years (2018-2022) bank customers who log in with their own portable device have almost doubled.
Looking at the generations of users, we discover that almost half of those belonging to Generation Z applies to the bank via smartphone (the percentage is high for the age group 18 ai 24) while it decreases for the Over65.
On digital payments it is interesting to read di cash stuffing and how cash is preferred by Generation Z to save money and fight against the culture of consumerism.
Among the most popular services are the functions related to payments, personal expense management tools based on multi-bank logic and alternative assistance services to telephone contact.
Flexibility and greater control of money are the two most widespread motivations.
“Spid has now 35 millions of userse nel 2022 it has been used to access public administration services more than a billion times – he writes De Bortoli on Corriere L'Economia on newsstands on 7 August 2023 —. A level of use that represents a world record”.
Autonomous recognition based on audio-video (per es. video selfie) it is the method most used by banks (44% tramite Internet Banking, 50% tramite Mobile Banking) to identify new customers. But also digital identity (via the SPID) it is gaining increasing importance as a new remote identification system on digital channels: already available for 38% of banks through internet banking and for 31% via mobile banking with another 25% – on both channels – which foresees its introduction by 2023).
Alex Gaetani
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