The overall purpose is to come up with a system that is more resilient to shocks. As a first line of defence at the microprudential level, the reform measures aim to tighten capital requirements, both in terms of quantity and quality.
But Italy is still considerably behind in the use of electronic payments. Although the diffusion of POS terminals and payment cards is not less than in the rest of Europe, the number of transactions per capita with these instruments is far below the average.