NEXI And Cedacri: The first “P2P live transactions” among pilot banks performed successfully

The first transactions using ZAC, the P2P payment method managed by NEXI, was performed successfully. Other banks will soon be joining the first pilot banks that subscribed to the service using the Cedacri front end and will be making the service available to their clients by the end of the year.


With ZAC, based on IBAN (account or card), the Clients of member Banks can send/receive payments in real time through smartphone (bank APP and/or mobile banking) easily, securely and much more cheaply, just choosing a mobile phone number from their contacts. For the Banks, ZAC is an innovative, omnichannel, low-cost, secure, reliable solution, easily integrated into their own systems and highly customisable, to enable clients to transfer money through a mobile device.

“The success of the first transactions performed with the three pilot banks confirms the quality and reliability of the project developed with ICBPI” – says Salvatore Stefanelli, CEO of Cedacri-. “As CEDACRI, we support Banks with developing innovative, secure products to be offered to end clients, also with partners like ICBPI, able to make technological infrastructures and payment system competences available to create innovative products to be used all over Italy and, what’s more, guarantee interoperability with other P2P systems.

This team work has enabled us to create a simple, practical, secure, cutting-edge product I am sure clients will truly appreciate”. “We are fully aware of how important it is for Banks to provide their Retail and Corporate Clients with innovative, smart, cheap and secure payment systems – says Salvatore Borgese – Payment Services Director at ICBPI”.

“With ZAC, we are providing a concrete response to the new P2P money transfer needs, based on associating a phone number to an IBAN and using a mobile device. ZAC has also been designed in an open logic, so it is ready to interoperate with other P2P solutions on the domestic/international market and to evolve towards new P2B and P2G payment models”.