How do young people pay for their purchases?

The world is changing, and so is the way we pay. While in the past it was common to carry cash or go to the cashpoint, for young people these payment systems have become obsolete. 11Onze agent Mònica Cornudella explains how young people pay for their purchases.


The indispensable tool for all these payments, it is clear, is the mobile phone, and there are at least three methods that are quite common. All are characterised by being quicker, faster and commission-free, but they have the disadvantage of limiting the amount that can be paid, which ranges from 500 to 1,000 euros per transaction. Let’s see what they are!

  1. Mobile payments linked to a current account or card. In this case, young people only have to link their debit or credit card details to the bank’s application on their mobile phone or take a photograph of the card so that the system can scan the numbers and detect it. At 11Onze you can now order your virtual card through El Canut.
  2. Payment with a ‘contactless’ card. In this particular method, all you have to do is activate the corresponding application and bring your mobile phone close to a dataphone capable of reading the phone’s NFC chip. This system allows young people to make purchases using radio frequency identification technologies, which are embedded in smart cards in mobile phones or other devices. Moreover, if the purchase does not exceed 20 euros, it is not even necessary to enter the PIN.
  3. Transfer by mobile phone. Finally, we must talk about what is the most popular way of paying among young people. Surely you have heard of Bizum or PayPal. These are platforms or applications that allow small transfers to be made between individuals using the same mobile phones. Simple and uncomplicated. And you, how do you pay for your purchases?

11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for Android and Apple. El Canut, the first universal account can be opened in Catalan territory.

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  1. Jordi MorenoJordi Moreno says:

    Bona explicació!👌

    • Jordi CollJordi Coll says:

      Celebrem que t’hagi agradat, Jordi, i moltes gràcies pel teu comentari.

      1 year ago
  2. Daniela SimónDaniela Simón says:
  3. Ricard Calvo VilanovaRicard Calvo Vilanova says:
  4. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  5. Carles Teruel AubetsCarles Teruel Aubets says:

    Està molt bé informar però pregunto: tenim bizum? Tenim Google Pay? Tenim top-up? Tenim rebuts domiciliats? Em vaig fer client pensant que tot ho teníeu, resulta que a data d’avui no. 19.11.2021

    • Xavier says:

      Bona nit, Carles, tens raó amb el que comentes. Alguns d’aquests serveis els tenim, però estan pendents de què ens els autoritzin. Hauria de ser en breu però encara no ho podem confirmar. Us ho farem saber. Respecte als rebuts domiciliats en futures versions també es podrà fer sense cap dubte, com altres serveis que tenim previstos. Però haureu d’esperar fins que ho tinguem a punt. Moltes gràcies. Seguim fent passos.

      3 years ago
  6. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc de Borja

    Per mi, el Byzum per petites quantitats entre amics…Les compres virtuals i físiques amb targeta de crèdit amb liquidació mensual de tot el saldo.

  7. Josep RuaixJosep Ruaix says:
  8. alicia Coiduras Charlesalicia Coiduras Charles says:

    Gràcies per l’informacio,vull exposar que ara s’estén la llegenda que el bizum es poc segur ,es cert?

    • Jordi CollJordi Coll says:

      El Bizum és molt pràctic i ràpid, sigui més o menys segur… Moltes gràcies pel teu comentari, Alícia!!!

      3 years ago

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