Carmen Cuesta
Carmen Cuesta

Latest publications

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.
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.
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.