---
---
type: topic
locale: it
title: 'PMI europee e Intelligenza Artificiale: tra ambizioni e realtà – i dati dall’Osservatorio Qonto'
url: https://community.qonto.com/it/finpal-it/articles/strategia-aziendale/pmi-europee-e-intelligenza-artificiale-tra-ambizioni-e-realta-i-dati-dall-osservatorio-qonto.md
author: GiuliaRampi
category: strategia-aziendale
created_at: '2025-10-14T08:42:21Z'
updated_at: '2025-12-15T10:35:42Z'
image: 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
topic_type: article
parent_category: finpal-it
attachment: PMI europee e Intelligenza Artificiale - Osservatorio Qonto.pdf
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# PMI europee e Intelligenza Artificiale: tra ambizioni e realtà – i dati dall’Osservatorio Qonto

Ciao a tutti, sono Giulia Rampinelli, PR & Communication Manager per Qonto in Italia. **La trasformazione digitale delle PMI europee è oggi una priorità strategica, ma il percorso è ancora costellato di ostacoli e paradossi, soprattutto in Italia.** Lo rivela il nuovo Osservatorio Qonto, realizzato in collaborazione con Appinio, che ha coinvolto 1.600 decision maker di PMI in Italia, Francia, Germania e Spagna ad agosto 2025.

### **Digitalizzazione: tra ambizioni e realtà**

- **Il 92% delle PMI europee** &nbsp;considera digitalizzazione e IA rilevanti per il proprio business, ma solo il 19% ha una strategia chiara e risorse sufficienti per attuarla.

- Quasi&nbsp; **il 50% delle PMI usa quotidianamente strumenti di GenAI** &nbsp;come ChatGPT, ma solo il 24% ha digitalizzato la contabilità e il 22% utilizza strumenti di videoconferenza.

- In un contesto di incertezza economica, la digitalizzazione viene vista come un vantaggio competitivo, ma servono fondamenta solide per sostenere crescita e innovazione.

### **Italia: polarizzazione e stagnazione**

- **Solo il 59% delle PMI italiane** &nbsp;considera la digitalizzazione “assolutamente cruciale” o “molto importante”, nonostante il 77% ne riconosca la rilevanza.

- L’Italia si colloca al secondo posto in Europa per preparazione digitale:&nbsp; **il 68% delle PMI si dichiara pronto** &nbsp;ad affrontare la trasformazione, contro il 60% medio UE.

- Tuttavia,&nbsp; **il 12% delle PMI italiane non ha introdotto nessuna nuova tecnologia** &nbsp;– il tasso di stagnazione più alto tra i paesi analizzati.

### **Adozione dell’IA e strumenti digitali**

- L’utilizzo di strumenti di intelligenza artificiale in Italia (46%) è in linea con la media europea, ma restano forti differenze tra aziende “pioniere” e “ritardatarie”.

- Tra le tecnologie più adottate dalle PMI italiane:

- Solo il 19% delle PMI europee ha una strategia digitale chiara e risorse adeguate.

### **Le vulnerabilità del sistema PMI**

- Quasi&nbsp;**4 aziende europee su 10 (38%)**&nbsp;vedono la digitalizzazione come “abbastanza importante” ma non prioritaria, rischiando di rimanere indietro nella competizione globale.

- Il 10% delle PMI UE – circa 2,4 milioni di aziende – non è affatto preparato alla trasformazione digitale.

Come avrete notato dai dati, c'è ancora molto lavoro da fare per colmare il gap digitale nelle PMI europee.

La nostra esperienza in Qonto ci ha insegnato che la digitalizzazione non deve essere per forza complicata. Quando offriamo soluzioni di business banking intuitive e integrate, vediamo come anche le aziende più tradizionali riescano a fare quel primo passo verso l'innovazione. Non si tratta di stravolgere tutto dall'oggi al domani, ma di rendere più semplice quello che già fate - dalla gestione dei pagamenti alla contabilità - per liberare tempo ed energie che potete investire in ciò che conta davvero: far crescere il vostro business.

**E voi, come state vivendo la trasformazione digitale nelle vostre aziende? Quali ostacoli avete incontrato e quali soluzioni avete trovato più utili? Condividete la vostra esperienza nei commenti - sono curiosa di sentire le vostre storie!**