The original speech, which contains various links to the documents mentioned, can be found on the Bank of Italy’s website. * 1. *  *  Introduction  It is perhaps early to draw lessons from the crisis that has hit the global economy. The crisis appears severe and widespread, its effects far-reaching and long-lasting.
Ease of use It goes without saying that systems that are easier to use are preferable to those that are more cumbersome. But this is not only an issue of convenience. Systems that require manual entry of account and transaction details are prone to errors that can be costly to correct and can discourage use.