In Bergamo, most people paid with cash. That made it easier for stores to avoid declaring sales, which meant lost tax revenue. Card payments were seen as inconvenient, and asking for a receipt felt awkward or unnecessary. To change this, the city launched a lottery campaign called Cashless City. Every time someone paid by card and scanned their receipt using the app, they were entered into daily and weekly prize draws. If the whole city hit a spending target, everyone benefited through upgrades like faster internet for local schools. The idea combined personal motivation with a shared civic goal.

Fast Facts

  • Audience: Local shoppers and merchants
  • Exposure · Duration: Entire city · 9‑month campaign
  • Location: Bergamo, Italy
  • Project type: Public incentive scheme via mobile app
  • Delivered by: Municipality and card network providers
  • Client: Comune di Bergamo

Problem:

Cash payments were too common, making it easy to hide transactions and avoid paying VAT. There was no clear reason for shoppers to use cards or ask for receipts.

Solution:

The city introduced a lottery where every scanned receipt became a ticket. Daily prizes of €100. And weekly prizes of €500 to customers and stores. If card use went up citywide, the whole community earned public rewards.

Outcome:

Card payments increased by 10%. The upward trend continued even after the personal prizes ended.

◼︎ Bronze

City‑level data with no control group. No official study published.

What do the ratings mean?
Illustration of Reward tactic – app screen prompting receipt scan
14 Reward

Small daily and weekly prizes created a personal reason to scan receipts and use cards.

Illustration of a social reward – progress bar towards group reward
20 Surface progress

The running total toward the city target lets residents track how close they are to unlocking the bigger civic prizes, like better school internet.

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