CGIA data certify that paying taxes, including forms, certificates and obligations, weighs on the Italian production system for almost 100 billion euros a year. Among the causes, the 160,000 laws on the matter that Italy has in its legal system against 7,000 in France, 5,500 in Germany and 3,000 in the United Kingdom. Even the private citizen is faced with many monthly hours to devote to taxes, bills, condominium affairs, insurance. Fault of rigidity, lack of transparency, only partial digitization of public administrations, obstacle courses that discourage the idea of changing suppliers for energy or telephone users. All time stolen from everyday life. Apps that promise to make us cut the time for managing domestic bureaucracy are flourishing. There is Taxfix, for example, a startup that allows you to make the tax return entirely via app, on computers and smartphones. The country manager Matteo Stifanelli did the math: for an income tax return it is necessary to budget “two visits to the accountant or to the CAF, a collection of at least 5 documents, including CUD, identity documents, invoices and receipts for deductions of medical expenses , school, real estate or insurance, and about 20 hours of time for those who use offline channels “. Taxfix offers a tax return compilation and revision service at a price of 29.90 euros, competitive with respect to a CAF (which, depending on the case, ranges from 20/30 up to 70 euros), and entirely online. changing households is often complex and repulsive. A useful app in this sense is Switcho, which helps to find the best offer and also takes care of the bureaucracy, and all for free: the app earns from the commissions on the new contracts activated, and manages the entire procedure for switching users and change of supplier. The world of insurance is also trying to break through the bureaucratic barrier from the smartphone screen, and riding the trend of on-demand insurance, aimed at a young, digitized public, careful not to spend more than necessary. Such as Yolo, a “memetic” name (which echoes the internet motto you only live once), a platform that offers instant and on-demand insurance products, which allow customers to buy insurance when they need it and only for the time they need. they need. A digital broker that works in partnership with various companies, proposing the most suitable solution for the client. According to a research carried out by the Italian Insurtech Association (Iia) with the Yolo Group, about 400,000 people have purchased digital policies in the last six months, and it is expected to reach a doubling by the end of the year compared to the previous year. ‘survey, however, consumers’ knowledge of online policies is still limited: only 28% of Millennials surveyed know about on-demand policies, and among the over 40s digitized (heavy digital spenders) the percentage is little more high: 33%. For those who are unfamiliar with digital products, we drop to 9%, not just small bureaucracy. Apps also come to the rescue for changing jobs. It happens in Lombardy, with MyAfolmet, which promises to become the definitive tail cutter in employment centers. In fact, it gives the possibility to consult and download certificates, apply for job offers and internships, fill in the forms for unemployment. Pietro Ichino, a former union leader, professor of Labor Law at the State and Afol adviser, talks about a challenge brought by the pandemic, that of realigning a job offer and demand out of sync with the health emergency. Challenge faced thanks to the new app. “There is an unexploited employment field on which we must intervene” explained Ichino “for this reason we have put together two lines of service, the intersection of supply and demand and training”.