A new national initiative, “Pronti a Contare” (Ready to Count), launched in December 2025, aims to address growing concerns about consumer credit and financial literacy in Italy. The project, funded by the Ministry of Enterprises and Made in Italy, comes as the employ of credit for everyday purchases – including newer methods like “Buy Now, Pay Later” (BNPL) – increases, potentially leading to over-indebtedness.
The initiative is spearheaded by Adiconsum, a consumer association, in partnership with Codacons, Confconsumatori, CTCU, Movimento Consumatori, and Movimento Difesa del Cittadino. These organizations, all members of the National Council of Consumers and Users, will work to provide citizens with the tools and knowledge needed to navigate the complexities of consumer credit.
“PRONTI A CONTARE” seeks to promote informed choices regarding access to credit and installment purchases, according to project materials. A key focus will be on clarifying the differences between credit and debit cards, a point of confusion identified in preliminary research. The project also intends to educate consumers about the risks and benefits of various credit instruments, including installment plans, BNPL schemes, cessione del quinto (assignment of a fifth of salary), and microcredit.
The rise of digital payments and BNPL options are identified as contributing factors to the need for increased financial literacy. These methods can make spending less visible and harder to track, increasing the risk of consumers accumulating debt without fully understanding the terms, and conditions. The project aims to help families better plan their budgets and monitor their expenses.
A national survey is planned as part of the initiative, to assess current consumer habits and knowledge regarding credit. The project will also include webinars, local meetings, and a multi-channel communication campaign to reach a broad audience. Adiconsum will serve as a central point of contact for individuals seeking assistance with financial difficulties, over-indebtedness, or predatory lending practices.
The project’s objectives include strengthening families’ ability to plan their finances and monitor spending, and simplifying access to consumer association services through a common hub. The initiative responds to a growing trend of Italian families using consumer credit without a full understanding of the associated risks.
