In recent years, Digital Payments have shown a steady increase. This trend has also continued in the last period, where they have continued to grow despite the pandemic, which, if on the one hand, has decreased consumption, on the other has made this type of payments preferable to the exchange of cash. There are also many new consumers who have approached this world due to this situation. For this reason, today more than ever, we can understand its great potential. The goal of this thesis is to provide a representation at the end of 2020 of those services operating in the Italian landscape that allow making Mobile Payments, that is those Digital Payments that take place via smartphones. There are similar studies conducted in the past. However, this environment is very dynamic and constantly evolving. The objective is, therefore, to provide an updated view, identifying how it changed in the last year. The work was carried out in three main phases. At first, it was necessary to investigate the context in which Digital Payments are placed. Subsequently, after having provided the preliminary knowledge, it was conducted the census of the services which were classified into five macro-categories according to the area of use: that of mobility, mobile wallets, telephone charges, bills and a last one which includes electric vehicles recharging and vending machines. Finally, the data collected were studied in the analysis chapter considering different dimensions for each macro-category. The results showed that most services are related to mobility. These are mainly widespread in the North, however in the last year particular attention has also been paid to the Islands and the South. As regards the dimensions related to payments, the card is the most common mean, although significant percentages are also represented by other methods such as prepaid credit in the app and wallets. Especially among the latter, PayPal deserves to be mentioned, which is the most popular in all macro-categories. Among the activation technologies, the app is the most used tool, but other methods such as QR Code, geolocation and NFC are also widely used. This work, therefore, contributes to researches in the field of Mobile Payment by providing an updated view of the services. However, it can also be considered of great value for companies that want to enter this area and for those already present, for identifying new business opportunities and rooms for improvements.
Negli ultimi anni i pagamenti digitali hanno mostrato un incremento costante. Questo trend si è mantenuto anche nell’ultimo periodo, dove hanno continuato a crescere nonostante la pandemia, che se da un lato ha fatto diminuire i consumi, dall’altro ha reso questa tipologia di pagamenti preferibili allo scambio di contanti. Sono inoltre molti i nuovi consumatori che si sono approcciati a questo mondo a causa di questa situazione. Per questo motivo, oggi più che mai, possiamo comprenderne le grandi potenzialità. L’obbiettivo di questa tesi è quello di fornire una rappresentazione al termine del 2020 dello scenario italiano dei servizi che permettono di effettuare i Mobile Payments, ovvero quei pagamenti digitali che avvengono tramite smartphone. Esistono degli studi analoghi condotti in passato, tuttavia questo ambito è molto dinamico e in continua evoluzione. L’ intento è dunque quello di fornirne una visione aggiornata, individuando come è cambiato nell’ultimo anno. Il lavoro è stato svolto in tre fasi. Dapprima è stato necessario approfondire il contesto nel quale si collocano i pagamenti digitali. Successivamente, dopo aver fornito le conoscenze preliminari, si è proceduto al censimento dei servizi che sono stati classificati in cinque macro-categorie a seconda dell’ambito di utilizzo: quella della mobilità, dei mobile wallet, delle ricariche telefoniche, delle bollette e bollettini e un’ultima che comprende le ricariche di auto elettriche e i distributori automatici. Infine, i dati raccolti sono stati studiati nel capito di analisi. Dai risultati è emerso che la maggior parte dei servizi sono legati alla mobilità. Questi sono prevalentemente diffusi al Nord, tuttavia nell’ultimo anno particolare attenzione è stata prestata anche alle Isole e al Sud. Per quanto riguarda le dimensioni legate ai pagamenti, la carta è il mezzo più comune, nonostante percentuali significative siano rappresentate anche da altri metodi quali il credito prepagato in app e i wallet. In particolar modo tra questi ultimi merita di essere menzionato PayPal che è il più popolare in tutte le macro-categorie. Tra le tecnologie di attivazione, l’app è lo strumento più utilizzato, ma anche altri metodi tra i quali QR Code, geolocalizzazione e NFC trovano un’ampia diffusione. Questo lavoro contribuisce quindi alle ricerche nell’ambito dei Mobile Payments offrendo una visione aggiornata dei servizi. Tuttavia, può essere utile anche per le aziende che vogliono entrare in questo campo o che sono già presenti, per identificare nuove opportunità di business e di miglioramento.
Mobile payment applications : evolution of the Italian scenario
SANGALLI, EMANUELA
2019/2020
Abstract
In recent years, Digital Payments have shown a steady increase. This trend has also continued in the last period, where they have continued to grow despite the pandemic, which, if on the one hand, has decreased consumption, on the other has made this type of payments preferable to the exchange of cash. There are also many new consumers who have approached this world due to this situation. For this reason, today more than ever, we can understand its great potential. The goal of this thesis is to provide a representation at the end of 2020 of those services operating in the Italian landscape that allow making Mobile Payments, that is those Digital Payments that take place via smartphones. There are similar studies conducted in the past. However, this environment is very dynamic and constantly evolving. The objective is, therefore, to provide an updated view, identifying how it changed in the last year. The work was carried out in three main phases. At first, it was necessary to investigate the context in which Digital Payments are placed. Subsequently, after having provided the preliminary knowledge, it was conducted the census of the services which were classified into five macro-categories according to the area of use: that of mobility, mobile wallets, telephone charges, bills and a last one which includes electric vehicles recharging and vending machines. Finally, the data collected were studied in the analysis chapter considering different dimensions for each macro-category. The results showed that most services are related to mobility. These are mainly widespread in the North, however in the last year particular attention has also been paid to the Islands and the South. As regards the dimensions related to payments, the card is the most common mean, although significant percentages are also represented by other methods such as prepaid credit in the app and wallets. Especially among the latter, PayPal deserves to be mentioned, which is the most popular in all macro-categories. Among the activation technologies, the app is the most used tool, but other methods such as QR Code, geolocation and NFC are also widely used. This work, therefore, contributes to researches in the field of Mobile Payment by providing an updated view of the services. However, it can also be considered of great value for companies that want to enter this area and for those already present, for identifying new business opportunities and rooms for improvements.| File | Dimensione | Formato | |
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2020_12_Sangalli.pdf
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https://hdl.handle.net/10589/171118