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Alfonso Arellano

Alfonso Arellano is Senior Economist at Digital Regulation and Trends Unit at BBVA Research. He is also part-time associate professor at University Complutense of Madrid.

Previous to this position, Alfonso Arellano was post-doctoral researcher at the Foundation for Applied Economics (FEDEA) and visiting professor at the University of Alicante.


He obtained the B.A. in Economics at University Complutense of Madrid (1998), the Master in Economics and Management at University Pompeu Fabra (1999) and completed the Ph. D. in Economics at University Carlos III of Madrid (2005).


He has published several papers in specialized journals. His research interests focus on microeconometrics, applied econometrics and labor economics. His current research also focuses on digital economy and financial literacy, among others.


Latest Publications

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Young people in emerging countries – are ICTs as necessary as food and drink?

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To paraphrase Francisco de Quevedo, we are people who are glued to our mobiles, and these phones have to be exceptional, with an infinite Internet connection. This image, which can be applied to all information and communications technology (ICT), is especially evident among the young.

Available in Spanish, English

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Infographic. The importance of ICT in developing countries

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The aim of the document is to point out the importance of ICT in developing and emerging countries from a demand-side perspective. We find that having a cell phone and internet access are gaining importance among individuals’ basic needs. Younger people consider ICT-related needs more basic than older people do.

Available in Spanish, English

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The importance of ICT in society’s needs: An empirical approach through Maslow’s lens

By ,

The aim of the Watch is to point out the importance of ICT in developing and emerging countries from a demand-side perspective. We find that having a cell phone and internet access are gaining importance among individuals’ basic needs. Younger people consider ICT-related needs more basic than older people do.

Available in Spanish, English

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Infographic. The use of ICT in European households

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The use of ICT at home has spread extensively throughout Europe, albeit with differing intensity in each country.

Geographies:Europe

Available in Spanish, English

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The use of ICT in European households: a comparative study

By , ,

The use of ICT at home has spread extensively throughout Europe, albeit with differing intensity in each country. Based on Eurostat data, this observatory outlines the importance of computer use, of the internet and its ends during the recent recession, comparing European countries.

Geographies:Europe

Available in Spanish, English

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Adoption of online banking, a reality in Spain

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Do you access your bank online? If so, you are among the fifteen million users of online banking in Spain, six million more than in 2010.

Available in Spanish, English

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Experience of Student in Money Matters: PISA perspective

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According to the results obtained from PISA Financial Literacy, students usually talk weekly or monthly about money matters, and the deal is greater with adult relatives than with their friends. Even so, there are differences among countries, both in frequency and conversational partner.

Available in Spanish

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Pension fund investments in infrastructure and the global financial regulation

Document Number 16/19

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One common denominator observed in global financial regulation is the tendency to allow pension funds to invest more in infrastructure. Considering this, our study analyses what regulatory changes are currently taking place from a global perspective and what are the relevant factors that impacts on pension fund’s decisions to invest in infrastructure.

Available in English

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Digital Divide and Economic Development: Are they related?

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Information and communication technologies (ITC) are a major growth driver for the global economy, as the interaction between agents is increasingly based on these instruments, especially Internet.

Available in Spanish, English

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Digital Economy Outlook. October 2016

By , , , , ,

In this issue we focus on: Cloud computing in the EU: a fragmented regulatory framework; The impact of technological advances on the labour market ; Digital divide and development: an analysis of asymmetries in Internet use; InsurTech and the disruptive insurance ecosystem; and Virtual Assistants: artificial intelligence at your service.

Available in Spanish, English

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The self-confidence effect on financial acumen

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The formation of a new government in Spain and the current composition of Congress, where no party has a clear majority, has left Spaniards wanting the political parties to reach a consensus on the important issues of the day.

Geographies:Spain

Available in Spanish, English

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Access and availability of ICT in European households: a comparative study

By , ,

The spread of Internet access is a key aspect for explaining the changes in modern economies and societies. The services offered by the Internet contribute to growth and employment, as well as to productivity, savings (public and private) and consumers’ well-being.

Available in Spanish, English

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Digital Economy Outlook. July 2016

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In this issue we focus on: open banking: a regulatory perspective; e-banking in Spain: generational approach; and The Internet of Things: European regulation

Available in Spanish, English

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Digital divide and development

By , ,

The so-called digital economy, understood as that economy based on Information and Communication Technology (ICT), has developed out of the incorporation into society of the Internet phenomenon. The incorporation of new and improved tools in communication and information has affected the behaviour of all economic agents.

Available in Spanish, English

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Digital Economy Outlook. May 2016

By , , , ,

In this issue we focus on: European General Data Protection Regulation (GDPR); Tax challenges for the digital economy; The European Network and Information Security Directive (part 2 of 2); e-commerce in Spain: generational approach; Marketing in the digital era: adapting to the new consumer.

Available in Spanish, English