{"id":10565,"date":"2024-03-21T16:29:32","date_gmt":"2024-03-21T14:29:32","guid":{"rendered":"https:\/\/viseca-payment.ch\/a-proposito-di-viseca\/rapporto-annuale-2023\/"},"modified":"2026-02-10T15:35:39","modified_gmt":"2026-02-10T13:35:39","slug":"rapporto-annuale-2023","status":"publish","type":"page","link":"https:\/\/viseca-payment.ch\/it\/a-proposito-di-viseca\/rapporto-annuale-2023\/","title":{"rendered":"Rapporto annuale 2023"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10565\" class=\"elementor elementor-10565 elementor-10355\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ed70a5 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4ed70a5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-83b4de9\" data-id=\"83b4de9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0d2c8f elementor-widget elementor-widget-heading\" data-id=\"b0d2c8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Rapporto annuale 2023<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ba45c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ba45c9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c65dd03\" data-id=\"c65dd03\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c7cbfa elementor-widget elementor-widget-text-editor\" data-id=\"1c7cbfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita. Ci\u00f2 \u00e8 dovuto non da ultimo al fatto che, sul mercato svizzero, la migrazione alla nuova generazione di carte di debito \u00e8 quasi completata. Insieme a una gestione coerente dei costi, ci\u00f2 ha portato a un leggero aumento sia del fatturato sia del risultato del Gruppo.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef32a1d elementor-widget elementor-widget-spacer\" data-id=\"ef32a1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68193c1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"68193c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/Viseca-relazione-sintetica-2023.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Scarichi il rapporto sintetico (PDF)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3567237 elementor-widget elementor-widget-spacer\" data-id=\"3567237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-429ca7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"429ca7d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a3eca5f\" data-id=\"a3eca5f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adef140 elementor-widget elementor-widget-image\" data-id=\"adef140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"2000\" src=\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg\" class=\"attachment-full size-full wp-image-10363\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-089063d\" data-id=\"089063d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc5e919 elementor-blockquote--skin-quotation elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"fc5e919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tViseca pu\u00f2 guardare ad un altro anno di successo. Nel 2023 il volume delle transazioni ha continuato a crescere fortemente, soprattutto grazie alle nuove carte di debito. Il nostro ingresso nel settore del debito si \u00e8 quindi rivelato una mossa giusta. Inoltre, l'anno scorso siamo riusciti a rinnovare numerosi contratti, alcuni dei quali in essere gi\u00e0 da anni. Questo ci offre stabilit\u00e0.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Pascal Niquille<br \/>Presidente del Consiglio di Amministrazione<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-749e524 elementor-widget elementor-widget-spacer\" data-id=\"749e524\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-311cb6b elementor-widget elementor-widget-text-editor\" data-id=\"311cb6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Stimati azionisti,<\/p><p>nel 2023, Viseca \u00e8 riuscita a portare avanti i successi dell&#8217;anno precedente . Il volume delle transazioni \u00e8 aumentato da CHF 23,8 mia. dell&#8217;anno precedente a CHF 35,0 mia., di cui poco pi\u00f9 della met\u00e0 con i nuovi prodotti di debito. Alla fine del 2023, Viseca offriva servizi per oltre 4,2 milioni di carte di debito e di credito. Il fatturato di Viseca \u00e8 aumentato dello 0,7% a CHF 504,6 mio. e l&#8217;utile \u00e8 passato da CHF 118,4 mio. a CHF 119,6 mio., conil risultato del 2022 sostenuto da effetti speciali positivi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8364ca elementor-widget elementor-widget-toggle\" data-id=\"e8364ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2431\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2431\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Legga di pi\u00f9<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2431\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2431\"><p>Come previsto, la forte crescita delle carte si \u00e8 indebolita, in quanto la maggior parte delle banche svizzere ha introdotto i nuovi prodotti di debito. Tuttavia, il mercato dei pagamenti \u00e8 ancora caratterizzato da un forte dinamismo. Nel 2023, i volumi di transazioni delle carte Twint e di debito sono cresciuti in misura significativa, mentre le carte di credito hanno registrato aumenti pressoch\u00e9 irrilevanti dal secondo trimestre in poi. In questo contesto, Viseca \u00e8 riuscita comunque ad aumentare la propria quota di mercato per le carte di debito e di credito. Siamo soddisfatti di essere riusciti a rinnovare numerosi contratti \u2013 alcuni dei quali in essere gi\u00e0 da anni \u2013 sia per le carte di credito che per quelle di debito. Questo ci offre stabilit\u00e0 per il futuro.<\/p>\n<p>Anche l&#8217;anno scorso siamo riusciti a conseguire risultati determinanti in riferimento ai nostri prodotti e servizi. Insieme a una banca cliente, abbiamo lanciato la prima carta di debito virtuale. La virtualizzazione delle carte di pagamento \u00e8 destinata a diventare sempre pi\u00f9 importante. Tale consapevolezza rende questo nostro primo successo ancor pi\u00f9 significativo.<\/p>\n<p>L&#8217;anno scorso abbiamo compiuto grandi progressi anche per quanto riguarda il rinnovo delle carte di credito oro e argento per la clientela privata. Il rilancio di questi due pilastri fondamentali per i ricavi aumenta i vantaggi per i clienti, analogamente al rilancio della carta di credito Platinum avvenuto circa due anni fa. Questo si \u00e8 tradotto in una crescita significativa delle carte e delle transazioni.<\/p>\n<p>Viseca ha adottato un approccio strutturato al tema della sostenibilit\u00e0. Questo ha compreso lo sviluppo di un&#8217;attivit\u00e0 di reporting sulla sostenibilit\u00e0. Per ridurre l&#8217;uso della plastica, la durata delle carte \u00e8 stata aumentata da tre a cinque anni. Questo ridurr\u00e0 il consumo di plastica del 40% nel medio termine. Inoltre, in futuro per le carte verr\u00e0 utilizzata quasi esclusivamente plastica riciclata.<\/p>\n<p>Nell&#8217;ottobre 2023, dopo un&#8217;interruzione durante il periodo di tassi d&#8217;interesse negativi, Viseca ha nuovamente collocato un&#8217;obbligazione sul mercato svizzero dei capitali. La collocazione \u00e8 avvenuta in risposta al cambiamento del contesto dei tassi di interesse e alla forte crescita delle carte di pagamento negli ultimi anni. L&#8217;obbligazione amplia inoltre la base di finanziamento di Viseca.<\/p>\n<p>In occasione dell&#8217;Assemblea generale ordinaria del 1\u00b0 giugno 2023, Pedro Chapinal \u00e8 stato eletto membro del Consiglio di amministrazione di Viseca Payment Services SA. Pedro subentra a Rudolf Dudler, che \u00e8 stato in Viseca fin dalla sua fondazione. Diamo inoltre il benvenuto a Stefan Brunner in seno alla Direzione Generale, nella nuova posizione di Chief Product Officer. Brunner assumer\u00e0 l&#8217;incarico il 1\u00b0 marzo 2024 e continuer\u00e0 a portare avanti la digitalizzazione di Viseca nell&#8217;interesse dei nostri clienti.<\/p>\n<p>Desideriamo ringraziare i nostri titolari di carte di credito per la grande fiducia che ripongono in noi: \u00e8 questa la base del nostro successo. Ringraziamo le nostre banche clienti per il grande supporto e la costruttiva collaborazione. Desideriamo inoltre esprimere un sincero ringraziamento ai nostri dipendenti per il loro impegno instancabile e professionale al servizio dei nostri clienti.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63e90d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63e90d1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-0c4dc5c\" data-id=\"0c4dc5c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c59f9d5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c59f9d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-chart-bar\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ad3ad elementor-widget elementor-widget-heading\" data-id=\"43ad3ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reddito operativo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe29625 elementor-widget elementor-widget-counter\" data-id=\"fe29625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"504.6\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mio.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-51d93a7\" data-id=\"51d93a7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e8bfa64 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e8bfa64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-building\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca48ee7 elementor-widget elementor-widget-heading\" data-id=\"ca48ee7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Capitale proprio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-815eae5 elementor-widget elementor-widget-counter\" data-id=\"815eae5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"783.3\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mio.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-b2616fd\" data-id=\"b2616fd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cceb9e1 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cceb9e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-newspaper\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c304a39 elementor-widget elementor-widget-heading\" data-id=\"c304a39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Somma di bilancio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7689e79 elementor-widget elementor-widget-counter\" data-id=\"7689e79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"1527.4\" data-from-value=\"0\" data-delimiter=\" \">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mio.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-a54ca68\" data-id=\"a54ca68\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e08b37 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6e08b37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-coins\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddc08e4 elementor-widget elementor-widget-heading\" data-id=\"ddc08e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Profitto del gruppo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15d0100 elementor-widget elementor-widget-counter\" data-id=\"15d0100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"119.6\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mio.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c87113 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c87113\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-8f488f4\" data-id=\"8f488f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7be39ff elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7be39ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-exchange-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8525dd elementor-widget elementor-widget-heading\" data-id=\"b8525dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fatturato delle transazioni<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd0b46 elementor-widget elementor-widget-counter\" data-id=\"6fd0b46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"35\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mia.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-142f1e2\" data-id=\"142f1e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01e66ac elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"01e66ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-credit-card\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8138bd9 elementor-widget elementor-widget-heading\" data-id=\"8138bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Portafoglio carte<br>\n<br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76c3026 elementor-widget elementor-widget-counter\" data-id=\"76c3026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"4.25\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> mio.<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-47b6a7b\" data-id=\"47b6a7b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ce5738 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3ce5738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-users\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc94650 elementor-widget elementor-widget-heading\" data-id=\"fc94650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dipendenti (FTE)<br>\n<br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e04a522 elementor-widget elementor-widget-counter\" data-id=\"e04a522\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"774\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1b682c9\" data-id=\"1b682c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15babc6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15babc6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c94d102\" data-id=\"c94d102\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4b5061 elementor-widget elementor-widget-spacer\" data-id=\"d4b5061\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Rapporto annuale 2023 Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita. Ci\u00f2 \u00e8 dovuto non da ultimo al fatto che, sul mercato svizzero, la migrazione alla nuova generazione di carte di debito \u00e8 quasi completata. Insieme a una gestione coerente dei costi, ci\u00f2 ha [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2725,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10565","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rapporto annuale 2023 | Viseca Payment Services<\/title>\n<meta name=\"description\" content=\"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rapporto annuale 2023 | Viseca Payment Services\" \/>\n<meta property=\"og:description\" content=\"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"Viseca Payment Services\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T13:35:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/viseca-payment.ch\/it\/a-proposito-di-viseca\/rapporto-annuale-2023\/\",\"url\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/\",\"name\":\"Rapporto annuale 2023 | Viseca Payment Services\",\"isPartOf\":{\"@id\":\"https:\/\/viseca-payment.ch\/de\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg\",\"datePublished\":\"2024-03-21T14:29:32+00:00\",\"dateModified\":\"2026-02-10T13:35:39+00:00\",\"description\":\"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.\",\"breadcrumb\":{\"@id\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage\",\"url\":\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg\",\"contentUrl\":\"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"A proposito di Viseca\",\"item\":\"https:\/\/viseca-payment.ch\/it\/?page_id=2725\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rapporto annuale 2023\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/viseca-payment.ch\/de\/#website\",\"url\":\"https:\/\/viseca-payment.ch\/de\/\",\"name\":\"Home | Viseca Payment Services\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/viseca-payment.ch\/de\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Rapporto annuale 2023 | Viseca Payment Services","description":"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/","og_locale":"it_IT","og_type":"article","og_title":"Rapporto annuale 2023 | Viseca Payment Services","og_description":"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.","og_url":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/","og_site_name":"Viseca Payment Services","article_modified_time":"2026-02-10T13:35:39+00:00","og_image":[{"url":"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Tempo di lettura stimato":"5 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/viseca-payment.ch\/it\/a-proposito-di-viseca\/rapporto-annuale-2023\/","url":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/","name":"Rapporto annuale 2023 | Viseca Payment Services","isPartOf":{"@id":"https:\/\/viseca-payment.ch\/de\/#website"},"primaryImageOfPage":{"@id":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage"},"image":{"@id":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg","datePublished":"2024-03-21T14:29:32+00:00","dateModified":"2026-02-10T13:35:39+00:00","description":"Dopo i risultati record registrati nel 2022, come previsto lo scorso anno la crescita si \u00e8 in parte appiattita.","breadcrumb":{"@id":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#primaryimage","url":"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg","contentUrl":"https:\/\/viseca-payment.ch\/wp-content\/uploads\/2024\/03\/vr-viseca-e1710418689267.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/viseca-payment.ch\/de\/ueber-viseca\/geschaeftsbericht-2023\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"A proposito di Viseca","item":"https:\/\/viseca-payment.ch\/it\/?page_id=2725"},{"@type":"ListItem","position":2,"name":"Rapporto annuale 2023"}]},{"@type":"WebSite","@id":"https:\/\/viseca-payment.ch\/de\/#website","url":"https:\/\/viseca-payment.ch\/de\/","name":"Home | Viseca Payment Services","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/viseca-payment.ch\/de\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"}]}},"_links":{"self":[{"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/pages\/10565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/comments?post=10565"}],"version-history":[{"count":16,"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/pages\/10565\/revisions"}],"predecessor-version":[{"id":10644,"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/pages\/10565\/revisions\/10644"}],"up":[{"embeddable":true,"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/pages\/2725"}],"wp:attachment":[{"href":"https:\/\/viseca-payment.ch\/it\/wp-json\/wp\/v2\/media?parent=10565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}