The cover illustration is by Chiara Lonardi, a student at the Accademia SantaGiulia in Brescia.
No.2 |2026
Faced with increasingly sophisticated threats, the financial system is responding with sophisticated tools and concrete initiatives, but knowledge remains a decisive factor: cyber risk education is, and remains, the first line of defence for everyone – both industry professionals and consumers.
Alessandro Bulgarelli
Alessandro Bulgarelli
Stories from this issue
Spending limits on bank transfers (and why it’s worth checking them)
Making a bank transfer these days is simple and often part of our daily routine. What we don’t always realise is that every account has transaction limits: thresholds on both the amount and frequency of transfers, which are designed to minimise the risks of fraud or unauthorised access. Many people leave these at their default settings without giving them much thought, but in reality they are one of the most effective ways to protect your money online. It’s best not to leave them to chance.
What happens when we pay with our mobile phones
In recent years, almost without us realising it, mobile phones have become one of the safest ways to pay. Digital wallets, such as Apple Pay or Google Pay, use security systems that prevent your actual card details from being disclosed and reduce the risk of fraud and card cloning. Although a physical card may seem more reliable, a digital wallet carries fewer risks: your card number is never visible, not even to you. A practical and secure choice.
The scam that makes you think you’re in the right place.
The Truman Show Scam is a new form of fraud that doesn’t promise easy money, but uses artificial intelligence to construct a credible alternative reality around the victim. Through fake experts, simulated communities and apps that look official, it creates the illusion of being in a safe environment – a perfect yet completely fake world that’s easy to fall into. Let’s find out more about it, and above all, do so in good time, before we fall for it.
An online side job isn’t always what it seems.
In recent months, a scam has been spreading that presents itself as a simple and harmless activity: small online tasks, quick rewards and platforms that appear trustworthy. It’s the ‘Task Scam’, a fraud that relies on a gradual approach and builds on trust, encouraging participants to invest money under the impression that they have already earned much more. To avoid becoming a potential victim, it is important to understand how this scheme works and to recognise the warning signs.
Online scams never present themselves as such.
The most common threats encountered whilst browsing the internet today often mimic everyday tools and exploit established habits, capitalising on inattention or trust. As part of the ‘I Navigati – Informati e Sicuri’ campaign, promoted by CERTFin in collaboration with the Bank of Italy, ABI, IVASS and the State Police, a series of short video clips has been produced to explain the main types of cyber fraud, so that people can recognise them and protect themselves.
