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Noelia Cámara
Noelia Cámara

Senior Economist

Noelia Cámara is a research economist in the Financial Inclusion team at BBVA Research. Her research interests include applied econometrics, international economics and finance. Her current research focuses on the measurement of financial inclusion dynamics, financial literacy and consumer protection among others.

 

She holds a Ph.D. in Economics from the University of Zaragoza (2010). Before joining BBVA Research in 2013, Noelia worked as an assistant professor at the Economics department of the University Carlos III of Madrid. She was a visiting Ph.D. student at the University of Nottingham and a Postdoctoral Research Fellow at the University of Vienna.

 

She has published several papers in international peer-reviewed journals and has attended numerous conferences.


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

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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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DiGiX: The Digitization Index

Document Number 17/03

By ,

The Digitization Index (DiGiX) assesses the factors, agents’ behavior and institutions that enable a country to fully leverage Information and Communication Technologies (ICTs) for increased competitiveness and well-being. It is a composite index that summarizes relevant indicators on 100 countries’ digital performance.

Available in English

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Digital Divide and Economic Development: Are they related?

By ,

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
Topics:Opinion

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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Tracking Financial Inclusion: The Multidimensional Financial Inclusion MIFI

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The Multidimensional Index for Financial Inclusion (MIFI) can be used to compare levels of financial inclusion across economies and over time.

Available in Spanish, English

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Digital EAGLEs and Nest: outlook and perspectives 2016

By , , , ,

EAGLEs and Nest countries have a strong potential to foster its digital development process in the coming years. The future of the fixed broadband adoption will be driven by EAGLEs countries and the EAGLEs Media Sentiment Digital Index has improved significantly since late 2015.

Available in English

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Explaining the Gender Gap in Financial Literacy: the Role of Non-Cognitive Skills

Document Number 15/32

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Economic literature identifies a gender gap in financial literacy. This paper tests to what extent the gender gap is due to a misspecification problem or whether it exists because boys and girls do indeed have differing ways of acquiring financial literacy.

Available in English

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Digital Economy Outlook. October 2015

By , , , , ,

In this issue we focus on: Smart contracts; Data for financial inclusion in the digital era; Trial and error to achieve universal financial inclusion?; Internet adoption; and Payment services and financial inclusion.

Available in Spanish, English

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Digital Economy Outlook. September 2015

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In this issue we focus on: Economic issues regarding data protection regulation; Fast retail payments; Improving credit access for the “invisibles”; E-money regulation in Colombia; and Biometrics.

Available in Spanish, English

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Peru Model for Financial Inclusion: E-Money Potential Adopters

By ,

This paper presents a quantitative approach to the potential demand of formal financial services offered from the unique platform launched under the name of Peru Model (Modelo Peru) for financial inclusion.

Available in English

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Digital Economy Outlook. July-August 2015

By , , , , , , ,

In this issue we focus on: E-commerce in Spain; the EU General Data Protection Regulation; Turkish banks’ digitalisation; the blockchain technology; and Electronic money.

Available in Spanish, English