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    Carmen Cuesta
    Carmen Cuesta
    Economist

    Latest publications

    July 16, 2015

    The digital transformation of the banking industry
    Changing consumer habits and the new competitive environment are forcing banks to digitalise as a matter of urgency. We have identified three successive stages in a bank’s digitalisation process: responding to the new competition, technological adaptation and strategic positioning.

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    July 7, 2015

    Digital Economy Outlook. June 2015
    In this issue we focus on: The digital transformation of banking; The Indian digital ID programme; Final compromise text of the PSD2; The Payment Systems Regulator; and ICT’s contribution to economic growth.

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    June 3, 2015

    Digital Economy Outlook. May 2015
    In this issue we focus on: A Digital Single Market Strategy for Europe; Electronic identification for the digital market; Crowdfunding regulation in Spain; Technology to extend financial access; and The digital economy: hares or tortoises.

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