Complete Cashback and Extra Cashback Christmas Guide 2020

What is cashback

It is the first measure of the government's plan to incentivize the use of electronic payments: from 8 to 31 December with at least 10 card payments there is a refund of 10% up to 150 euros in a single month. To activate the cashback, you will need to register, starting from December 8, on the IO app, using Spid or electronic ID card

How does that work

CashbackCashback, starting January 1, 2021, results in a 10% refund on the amount of purchases made with cards or payment apps in shops, bars and restaurants, supermarkets and large retailers or for artisans and professionals.
Online purchases do not compete.
There is no minimum amount of expenditure and you can get refunds of up to 300 euros per year. Every 6 months, if you make a minimum of 50 payments you receive 10% of the amount spent, up to a maximum of 150 euros of total refund per o. The maximum refund per single transaction is 15 Euros.

Extra Christmas cashback

With the extra Christmas cashback, from 8 to 31 December you need 10 purchases with credit cards, debit cards, ATMs and satispay to have 10% refund, up to a maximum of 150 euros that will be credited in the first months of 2021.

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Who can get it

Anyone over the age of 18 who resides in Italy can obtain it; in the family every adult member can participate and refunds can be accumulated.

What it takes to participate

To participate you must have SPID or electronic identity card (CIE). 

If you need to know how to apply for the SPID I have issued a complete guide here, which I will summarize below.

How to apply for SPID


  • an email address
  • the mobile phone number you normally use
  • a valid identity document (one between: identity card, passport, driver's license)*
  • your health card with the tax code*

IF YOU RESIDE ABROADbadge worldeu badge

(if you reside abroad you cannot request cashback)

  • an email address
  • the mobile phone number you normally use
  • a valid Italian identity document (one between: identity card, passport, driver's license)*
  • your tax code card

The card of the health card or tax code are additional elements to support the process of identity verification that contribute to counteracting, thanks to the verification of their authenticity on national non-public databases, identity theft..

What you need to do to get the SPID

SpidChoose one of the identity providers and register on their site.
Registration consists of 3 steps:

  1. Enter personal data
  2. Create your SPID credentials
  3. Make the recognition of your choice between: in person, online or via CIE, CNS or digital signature.

The time taken to release the digital identity depends on the individual Identity Providers.

Alternatively, you can go to one of the public administrations that can carry out the procedures to identify you, for the subsequent release of SPID (feature active from October 15, 2020).

What you need to enter when registering for cashback

When registering for Cashback, you must enter:

  • The identification details of one or more credit cards, debit cards, P
    agoBancomat or activate the Cashback on your Satispay account. From Janua
    ry it will also be possible to enter Pay ATM accounts and, to follow, App
    lePay, Google Pay and also other types of cards and apps that will join the initiative.
  • The IBAN code of the account on which you want to receive refunds.

All purchases in shops, bars and restaurants, supermarkets and large retailers or for artisans and professionals are valid except for:

  • Purchases made online (e.g. e-commerce);
  • The purchases necessary for the performance of entrepreneurial, professional or craft activities;
  • Operations carried out at ATM counters (e.g. telephone top-ups);
  • SDD transfers for direct debits to a current account;
  • Transactions related to recurring payments, with card or bank account debit.

For citizens

When the Cashback Program starts, some merchants may NOT immediately have a card acceptance device and payment app that allows them to participate in the initiative. For this reason, before you make a payment at a store, you can check with the merchant.

For merchants, artisans and professionals

How to assure your customers that purchases of your goods and services are valid for Cashback?

If you are a merchant, merchant, craftsman or professional, to check if purchases made by your customers with electronic payment tools allow them to participate in the Cashback Program, contact the provider of card acceptance devices and payment apps and ask if they have joined.

How refunds are paid

You will receive cashback refunds with a transfer to the IBAN that you indicated at the time of registration or at a later time. To receive the Christmas Extra Cashback you must notify the IBAN by the end of D
ecember 2020.


Cryptocurrencies: what they are and how they work [2020]

cryptocurrenciesCryptocurrencies: the cryptocurrency word is the Italianization of English cryptocurrency and refers to a digital representation of value based on cryptography. The etymology of the word derives from the fusion of "cryptography" and "currency": it is an equal and decentralized digital resource.

Let's get to the bottom of it

What are cryptocurrencies?

The internet world is a diverse and vast world, full of so many things that are not yet fully known to all people. The web is like an iceberg: the part that emerges from the water is the part of the internet completely visible, while the lower part (that is, the one in the water) is the part foreign to the whole world. That's the Deep Web. It also includes cryptocurrencies, which have become famous thanks to this hidden part of the internet.

What are cryptocurrencies? Something can already be seen from the name: cryptocurrencies are digital coins used to shop; they are also called crypto coins. These cryptocurrencies enjoy Blockchain technology that guarantees an unseatable protection system against these digital coins. In addition, payments made with cryptocurrencies are difficult to trace, guaranteeing anonymity even to malicious people.

What are the most famous cryptocurrencies?

cryptocurrenciesThe most famous cryptocurrency is Bitcoin but there are many others such as Ethereum. Behind these there are intense trading activities: because they work just like money, they have a particular value in the financial sector and also in the stock exchange where many people invest money and shares on them.Therefore there are great business possibilities and it is also likely that in the future these can become a valid alternative for online purchases.But until cryptocurrencies accept various regulations and abandon their decentralization (Bitcoin problem) in favor of a centralized system in which there is someone to control them, they cannot be considered a valid investment alternative in the European market.

Although cryptocurrencies are used to buy common goods, they are invested even for darker purposes. As mentioned above, purchases through cryptocurrencies are guaranteed by anonymity and therefore you cannot know the sender or recipient.

Precisely for this reason, many people, moved by bad intentions, use them on the Deep Web where there is a huge black and illegal market on which various dangerous commercial activities take place.
acquistare criptovalute guida

Who created the cryptocurrencies?

Who's behind cryptocurrencies?In general, this virtual "money" is created and developed by engineers or computer scientists. Behind the creation of these currencies there are intense calculation and computer development operations, as well as tests to verify the solidity of their security.Since a Hacker attack would affect the growth of this digital money, it is important to build a durable security system that is not so easily circumvented.

The main features


EncryptionCryptocurrencies use strong encryption in several ways. Encryption arose from the need to find secure communication methods during World War II, in order to convert easily readable information into encrypted codes. Since then, modern cryptography has evolved a lot, and in today's digital world it relies primarily on computer science and mathematical theory.It also draws on the science of communication, physics and electrical engineering.There are two main elements of encryption that apply to cryptocurrencies: hashing and digital signatures.

  • Hashing verifies data integrity, maintains blockchain structure, and encrypts people's account addresses and transactions. It also generates those cryptographic puzzles that make it possible to extract a block.
  • Digital signatures allow a person to prove possession of part of the encrypted information, without revealing such information. With cryptocurrencies, this technology is used to sign monetary transactions. This shows the network that the account holder has consented to the transaction.

Il Blockchain

A blockchain is the decentralized public register or cryptocurrency transaction list. Full blocks, which include the latest transactions, are recorded and added to the blockchain. They are kept in chronological order as open, permanent and verifiable documentation. A peer-to-peer network of market participants manages blockchains and follows a precise protocol to validate new blocks. Each "node" or computer connected to the network automatically downloads a copy of the blockchain. This allows everyone to track transactions without having to record data centrally.Blockchain technology creates a registration that cannot be modified without the consent of the rest of the network participants. The concept of blockchain is attributed to the founder of bitcoin, Satoshi Nakamoto. This concept has also inspired other applications that go beyond money and digital currencies.   

post blockchain eos 1200x500@2x 1

Block mining

Block mining is the process of merging new transactions into a blockchain in the form of blocks. In this process – if we talk about bitcoin, for example – new bitcoins are produced, adding to the total number of coins in circulation. Mining requires special software that is used to solve mathematical puzzles, and this validates the legitimate transactions that make up the blocks. Such blocks are added to the public register (blockchain) approximately every 10 minutes. When the software resolves transactions, the "miner" is rewarded with a precise number of bitcoins. The faster the miner's hardware in processing the mathematical problem, the more likely it is to validate the transaction and reward in bitcoin. 

block mining

What will be the future of cryptocurrencies?

If cryptocurrencies are to be recognized as an alternative currency in the future, they must go through a very profound optimization process, also trying to limit or reduce certain functions (such as anonymity) that cover illegal activities.

It is also likely that these cryptocurrencies will disappear and be forgotten, but it is not possible to say exactly what the future holds in store for this. However, we need to think about the present and it can be said with certainty that these are gradually becoming very popular.


Online trading platform

Coinbase is a digital currency exchange platform based in San Francisco, California. It was founded in July 2011 by Brian Armstrong and Fred Ehrsam and in October 2012 launched its online services to buy and sell Bitcoin.

About Coinbase I have created a complete guide on how it works and how to use it that you can find here: Coinbase: definitive guide to use.

Covid: smartphone market down sharply

The Covid epidemic and the various lockdowns continue to weigh on the smartphone market, especially in Western Europe, where the third quarter ended with deliveries down -6.5% to 28.8 million units. This is reported by IDC analysts, who highlight the impact of the economic crisis despite the summer reopenings in the various countries.


Smartphone consumer spending improved slightly from July to September, but sales to businesses fell 11.5%, as businesses shifted spending from smartphones to laptops

Numbers on the rise for Samsung and Huawei

Samsung remains at the top of the rankings with 10.3 million smartphones delivered, equal to a 6.9% year-on-year contraction. In second place remains Apple with 8.2 million iPhones and an increase of 1.1%. Xiaomi ousted Huawei from the bottom step of the podium, thanks to deliveries up 151.6% to 3.7 million units.

Despite all the difficulties, Huawei managed to keep the second position firm with 18% market share. The Shenzhen-based company shipped 48.5 million units, still marking a minus 18% compared to 59.1 million smartphones shipped in the same period last year. Sales driven, once again, by the home market, China.In fifth position we find Oppo, which recorded an increase of 566.2% from 100 thousand to 900 thousand smartphones delivered.

covid smartphone

The forecasts

Here is the forecasting picture provided by Digitimes Research, extrapolated from the Global smartphone shipment forecast, 2021 and beyond study in which the market is analyzed for the next 5 years. Of course, the data has been completely revised following the Covid pandemic that has hit – and is still hitting hard – the world.

  • Smartphones shipped in 2020: 1.22 billion units (in July it was estimated to be 1.22 billion)
    • world market (excluding China): 912 million
    • 5G smartphones: 260 million (20% of the total)
  • Change compared to 2019: -10.4%
    • world market (excluding China): -8.2%

Which price range dominated the market?

The mid-to-low end segment ($100 to $400) dominated global shipments in the second quarter of 2020 with a market share of 60%. Over the same period, the same segment reached 85% in most Asian Pacific, Central and Eastern Europe, Latin America, middle east and Africa countries. In the United States, devices under $200 increased their share by 10 points year-on-year to 27% of the market.

smartphone market

The mid-to-high segment ($400 to $600) gained nearly 4 percentage points to 11.6% globally and even 21% in China. Leading these two segments are Samsung and Huawei branded smartphones along with other Chinese brands such as Xiaomi, Vivo and OPPO. Not forgetting Apple's entry into the $400-600 segment in the second quarter of the year with iPhone SE 2020, which confirmed consumers' trend toward cheaper devices.

The absolute best buy among mobile phones in 2020

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How does a mobile phone become best buy?

Based on several aspects listed below:

  • Display: bright screens, with good viewing angles and at an optimal resolution for the diagonal of the screen
  • Hardware: CPU, GPU, and RAM in enough quantity to deliver excellent performance
  • Range: fairly large batteries or particularly efficient energy saving systems
  • Camera: cameras (especially the main one) capable of making sharp, bright shots and with apps capable of opening and focusing quickly
  • Software: software can be more diverse types but must maintain a good balance between simplicity, fluidity and number of functions
  • Updates: We also take into account how much software is updated and whether or not the news is relevant

Mid-range Best Buy: Redmi Note 9 PRO

The Redmi Note 9 Pro, a good-quality Android smartphone, strongly dedicated to imaging, is awarded the best buy of mid-range 2020, able to satisfy even the most demanding user.

Surprising is the 6.67-inch Touchscreen display that puts this Redmi at the top of the category with a resolution of 2400x1080 pixels. On the functionality side, this Redmi Note 9 Pro is really not lacking, starting with the LTE 4G module that allows excellent data transfer and internet browsing, passing through Wi-Fi connectivity and GPS.

This Redmi Note 9 Pro is a product with few competitors in terms of multimedia thanks to the 64 megapixel camera that allows the Redmi Note 9 Pro to take high-quality photos with a resolution of 9238 x6928 pixels and to record 4K videos at the resolution of 3840x2160 pixels. The thickness of 8.8mm is contained and makes this Redmi Note 9 Pro very interesting.


Why is the best buy of 2020?

The 9th generation of Redmi Note smartphones arrives and as every year you are ready to declare them ''best buy'' not only for their technical characteristics but also and above all for their sale price. Precisely because of the vastness of the smartphones that Xiaomi is introducing on the market, Redmi Note 9 Pro can initially be a little difficult to decipher even if day after day the qualities come out and the phone shows all the potential with clearly some ''ma'' that remains for a mid-range that is not always easily digested by users for some shortcomings. 

Anyway, the Redmi Note 9 Pro comes at a really overbearing price and that's not why it wins the best buy. It impresses with the glass design, a large screen, a good quality chipset and a valuable quad-camera as well as a huge battery capable of dizziering numbers. Having already examined the competition we can immediately find a lack in this Redmi Note 9 Pro that is a screen with a high refresh rate that instead we find for example in realmes. Nothing bad but it now seems that this type of screen is becoming a prerogative even in the mid-range to the benefit of users who can favor a higher quality panel in this. 


  • Internal storage from 64GB – PRICE 269.90€ – Color White, Black and Green

  • Internal storage from 128GB – PRICE 299.90€ – Color White, Black and Green

They are currently also discounted thanks to Black Friday


Battery and Recharge
Rear Camera
Front Camera
Fingerprint keys and sensor
Network and Connectivity
Contents of the package

Qualcomm® Snapdragon™ 720G

High-performance octa-core processorF
requency: up to 2.3GHzA
reno graphics board™ 618
Qualcomm® AI engine 5th generation
This 8nm process technology

Battery and Recharge

5020mAh (typ)*

Integrated non-removable lithium polymer battery

USB Type-C reversible connector

Supports 30W fast charging

33W fast charging charger included


5020mAh (typ)*

Integrated non-removable lithium polymer battery

USB Type-C reversible connector

Supports 30W fast charging

33W fast charging charger included

Rear Camera

64MP AI quad camera

64MP very high resolution main camera

1/1.72"Super pi

xel 4-in-1 1.6μm sensor, 0.8μmf/1.89

AF pi

xel, 6P lens, FOV 79.8°

Ultra wide-angle 8MP camera

119° FOV (108.3° after distortion correction



m pixel sensor, 5P lens

5MP macro camera

AF (2 cm-10 cm), f/2.4, 1/5" sensor, 1.12μm pixel

2MP depth sensor

1/5" sensor, 1.75μm pixel, f/2.4

Rear camera photo features

Night Mode | Document Mode | Portraits from ci

nemaHD 64MP | Ultra-wide-angle smart mode | Rear Camera Beauty Mode Sta

ble night photography at your fingertips | Portrait mode with background blur | Panorama Mod

eModality Pro | Photo Timer | Level | Burst Mode | Facial recognition | HDR | Ultra-wide-angle distortion correction | Custom Watermark | AI Watermar

k | Adjusting background blur in Portrait mode | Full screen formatRe

levating scenes to rear camera (27 recognizable labels) | Macro chamber

Video features of the rear camera

4K Cinema Quality | Ultra wide-angle recording | Macro Logging | Short Video Mode | 4K Registration | Kaleidoscope

4K recording30fps
Registration 1080P30fps / 60fps
Registration 720p30fps
Slow-motion video recordings at 1080p120fps
720p slow-motion video recordings120fps / 240fps / 960fps

Front Camera

16MP selfie camera built into display

16MP, 1.0μ

mOpening f/2.48

Photo features of the front camera

Selfie panorama | Palm shot | AI Profile Detection | HDR Front camera | Front Flash | Facial recognition | AI Beauty Mode | AI Portrait Mode | AI Scene Detection

Front camera video features

Slo-Selfie at 120fps


6GB + 128GB*

The largest available for Redmi Note 9 Pro

Available also in 6GB + 64GB version

* Actual free memory may vary due to various factors. Because the operating system occupies a part of the RAM, the actual available memory will be less than the declared one. Because the phone comes with pre-installed applications, the actual memory size is smaller than the declared size.

Fingerprint keys and sensor

Xiaomi Sensors

Network and Connectivity


Supports 2+1 card slots, nano-SIM + nano-SIM + microSD (expandable 512GB

)Supports Dual SIM VoLTE HD calls

Note: Dual SIM 4G requires support for local telecommunications services and may not be available in all regions.

Network and Connectivity

GSM: B2/3/5/8

WCDMA: B1/2/4/5/8

TDD LTE: B38/40/41 (2535-2655MHz)

FDD LTE: B1/2/3/4/5/7/8/20/28

Wireless network

Supported protocols: 802.11a/b/g/n/ac

Support 2.4G Wi-Fi / 5G Wi-Fi

Wi-Fi Direc

tSupport Bluetooth 5.0

Height Size: 165.75 mmBweet

: 76.68 mmThis:

8.8 mmFish: 20

9 g* Data
provided by Xiaomi Laboratories. Industrial measurement methods may vary, actual results may be different.

Side fingerprint sensorI

facial recognition


Ultra linear speaker 1216 Xmax 0.5 mm wideSmart PA

10V external, increased pressure, high volumeJac

k for 3.5 mm headphones


Ultra linear speaker 1216 Xmax 0.5 mm wideSmart PA

10V external, increased pressure, high volumeJac

k for 3.5 mm headphones

Contents of the package

Redmi Note 9 Pro / Adapter / Simple Protective Case / USB Type-C Cable / SIM Ejection Tool / User Manual / Warranty Certificate

Xiaomi Colors
As a owner of the Xiaomi Redmi Note PRO 9, I can only confirm that it is the best buy of mid-range 2020 for its value for money.
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Andrea Luminari

Samsung Galaxy S20+: High-end best buy

Samsung Galaxy S20+ top-of-the-range Samsung home for 2020. It is the intermediate smartphone between Samsung Galaxy S20 and Galaxy S20 Ultra 5G and it is a smartphone that offers everything that a smartphone of this range should offer.

The screen is 6.7 inches and is in Dynamic AMOLED technology and with QHD+ resolution (1440 x 3040 pixels). The big news for 2020 is the fact that the screen supports the refresh speed at 120 Hz, ensuring high perceived fluidity during use.

It is also equipped with three cameras: a stabilized 12 megapixel main camera, a 12-megapixel wide-angle and a 64-megapixel 3X zoom, which also allows you to record 8K video, plus the smatphone supports two nanoSIM and an eSIM (alternatively). You can seamlessly connect to the latest generation 5G networks, in addition to having Wi-Fi 6 and Bluetooth 5.0, there is no shortage of video output via USB-C cable.

The battery is 4,500 mAh and ensures decent results and supports 25W fast charging and wireless charging.

Best buy high end


4G version: 700.00 euros

5G version: 1,100.00 euros


Audio and Video

  • CPU2.73GHz, 2.5GHz, 2GHz speed
  • CPUOcta-Core Type


  • Size (Main Screen)158.3mm (6.2" entire display surface) / 154.1mm (6.1" display surface without rounded corners)
  • Resolution (Main Screen)3200 x 1440 (Quad HD+)
  • Technology (Main Screen)Dynamic AMOLED 2X
  • Color Depth (Main Screen)16M


  • Main Camera – Resolution (Multiple)12.0 MP + 64.0 MP + 12.0 MP
  • Main Camera – Focal Aperture (Multiple)F1.8 , F2.0 , F2.2
  • Main Camera – Auto FocusYes
  • Rear Camera – OISSì
  • Rear camera – 3x hybrid optical ZoomZoom, Digital zoom up to 30x
  • Front camera – Resolution10.0 MP
  • Front Camera – Focal ApertureF2.2
  • Front camera – Auto FocusSì
  • Main Camera – FlashYes
  • 8K video recording resolutionUHD (7680 x 4320) @24fps
  • Slow Motion960fps @HD, 240fps @FHD


  • RAM Memory Size (GB)8 GB
  • ROM Memory Size (GB)128 GBA i

    mportant information: ROM memory
    Part of the memory space shown is occupied by pre-installed content. For this device, the space available to the user is approximately 81% of the total memory capacity indicated.

  • External memory supportmicroSD (up to 1T

    B)Important information: External Memory (Mic
    roSD)Applications can only be transferred to the MicroSD after they have been installed on the device's internal memory. Some applications may not allow their transfer to the MicroSD or allow partial transfers depending on the configurations adopted by the developers.


  • Simdual-SIM number
  • SIMNano-SIM card type (4FF), integrated SIM
  • Simsim 1 + Hybrid (SIM or MicroSD) or Embedded SIM slot type
  • Network Type2G GSM, 3G WCDMA, 4G LTE FDD, 4G LTE TDD
  • 2G GSMGSM850, GSM900, DCS1800, PCS1900
  • 3G UMTSB1 (2100), B2 (1900), B4 (AWS), B5 (850), B8 (900)
  • 4G FDD LTEB1 (2100), B2 (1900), B3 (1800), B4 (AWS), B5 (850), B7 (2600), B8 (900), B12 (700), B13 (700), B 17 (700), B18 (800), B19 (800), B20 (800), B25 (1900), B26 (850), B28 (700), B32(1500), B66(AWS-3)
  • 4G TDD LTEB38 (2600), B39 (1900), B40 (2300), B41 (2500)


  • ANT+Yes
  • USBUSB Type-C interface
  • USBUSB version 3.2 Jan 1
  • Location technologyGPS, Glonass, Beidou, Galileo
  • Input for stereoUSB Type C earbuds
  • Mhlno Municipality
  • Wi-Fi802.11 a/b/g/n/ac/ax 2.4G+5GHz, HE80, MIMO, 1024-QAM
  • Wi-Fi DirectSì
  • BluetoothBluetooth v5.0 version
  • NFCSì
  • PC Sync.Smart Switch (PC version)


Accelerometer, Barometer, Fingerprint Sensor, Gyroscope, Magnetic Field, Hall Sensor, RGB Brightness Sensor, Proximity Sensor


  • Internet browsing duration (LTE) (hours)Up to 14
  • Internet browsing duration (Wi-Fi) (hours)Up to 15
  • Battery capacity (mAh, Typical)4000
  • RemovableNo
  • Duration in conversation (4G LTE) (hours)Up to 20

Audio and Video

  • Stereo SupportYes
  • VideoMP4, M4V, 3GP, 3G2, WMV, ASF, AVI, FLV, MKV, WEBM playback formats
  • 8K video playback resolutionUHD (7680 x 4320) @30fps
  • Formati riproduzione audioMP3, M4A, 3GA, AAC, OGG, OGA, WAV, WMA, AMR, AWB, FLAC, MID, MIDI, XMF, MXMF, IMY, RTTTL, RTX, OTA, DFF, DSF, APE