Once consumers are aware of an expected level of technical performance that involves their lives, that performance becomes table stakes and they will expect that level of technical competency at any level of payment.

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But when investors demand a certain level of payment for the risks of lending to a country like Italy, history shows it is incredibly difficult to persuade them to accept a lower rate of interest.

BBC: Italy on the brink

"That was a group of people who had a good track record of payment and pretty low level of arrears, thrust into a position where they are now is significant arrears, " said Mr Forbes.

BBC: Roofs

In 2009, Caparso says Adyen saw a different level of confidence in outsourcing payment solutions by geography.

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Under the current system, cars fall into 13 payment bands depending on their level of carbon emissions, with more polluting vehicles taxed more heavily.

BBC: UK Politics