alert_serviceYour space user_add New user

Forgot your password?
Stay logged in to leave
Publication date
From
To
Pablo Urbiola

• MSc Economics, London School of Economics, 2013
• BSc Economics, Universidad Carlos III de Madrid, 2012
• BSc Journalism, Universidad Carlos III de Madrid, 2012


Latest Publications

Catalog Icon

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

Catalog Icon

Digital Economy Outlook. July 2016

By , ,

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

Catalog Icon

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

Catalog Icon

Digital Economy Outlook. March 2016

By , , , ,

In this issue we focus on: regulatory sandboxing: a risk-based approach to promote innovation in financial services; cyber-attacks: one of the main threats in 2016; Bim: the Peruvian mobile wallet of the unbanked; regulation of digital consumer credit; robo-advisers: the automation of financial advice.

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. February 2016

By , , , , , , ,

In this issue we focus on: RegTech, the new magic word in FinTech; Focus on innovation in Australian banks’ DNA; Remote opening of financial products in Latin America; Big Data management and use in the financial services industry; and Financial services trends for 2016

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. January 2016

By , , , ,

In this issue we focus on: EU Digital Regulation Agenda: leveraging digital technologies to strengthen the Single Market; Digital onboarding of financial services: electronic identity as a key element; Internet usage in Spain: generational approach; Update on a European instant payment scheme based on credit transfers ; and Neobanks: creating a digital bank from scratch

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. December 2015

By , , , , , ,

In this issue we focus on: The UK’s FCA: an active role in promoting innovation; Is the digital transformation the quintessence for financial inclusion?; PSD2, a Business Model Perspective; Big Data to track geopolitical and social events; and Artificial Intelligence perspectives: How internet giants leverage AI.

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. November 2015

By , , , , , ,

In this issue we focus on: Internet availability in the Spanish households; Alternative Lending; Transatlantic data flows; Financial Inclusion Data; and Digital issues in the EC's work plan 2016.

Available in Spanish, English

Catalog Icon

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

Catalog Icon

Digital Economy Outlook. September 2015

By , , , ,

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

Catalog Icon

The digital transformation of the banking industry

By , , ,

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.

Available in Spanish, English

Catalog Icon

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

Catalog Icon

Digital Economy Outlook. June 2015

By , , , , , ,

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.

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. May 2015

By , , , , , ,

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.

Available in Spanish, English

Catalog Icon

Digital Economy Outlook. April 2015

By , ,

In this first issue we focus on: A first overview of the Digital Economy; Economic development and digital banking; E-money in Latin America; Faster Payments; and Measuring the Digital Economy: the Networked Readiness Index.

Available in Spanish, English

Catalog Icon

Infographics | The banking correspondent business model

By , ,

Banking correspondents are non-financial commercial establishments that offer basic financial services under the name of a financial services provider, becoming access points to the formal financial system. This business model makes it sustainable for banks to focus on low-income clients with a cost-efficient access channel.

Available in Spanish

Catalog Icon

Extending access to the formal financial system: the banking correspondent business model

By , ,

New ways of understanding banking, technological improvements, and regulation yield new means of interaction between customers and banks through outsourcing agreements. This paper provides the first harmonised database with information on the number of banking correspondents by country, which helps in measuring access to the formal financial system.

Available in Spanish, English

Catalog Icon

Crowdfunding in 360º: alternative financing for the digital era

By , , , , , ,

Financial crowdfunding can play an important role as a complement to traditional sources of financing, targeting business segments that are not covered by conventional formats. It can also help entrepreneurial ventures to get off the ground, boosting innovation and, with it, economic growth. On the other hand, in a context of scarce credit and economic crisis, it can become a key factor in alleviating funding needs, contributing to economic recovery while also providing high returns for savers. However, investing through crowdfunding can bring potentially high risks of solvency and liquidity, in a market where greater informality exacerbates the asymmetry of information between borrowers and lenders. Furthermore, the mediation carried out by platforms falls into the category of shadow banking meaning that, inasmuch as they are outside the traditional banking system, the regulation with which they must comply is much less onerous. Thus, there is a need to establish a balanced regulatory framework in order to enable this complementary source of funding to develop whilst simultaneously protecting retail investors and avoiding systemic risks.

Available in Spanish, English

Catalog Icon

Geographies:Brazil

Available in Spanish, English

Catalog Icon

Competitiveness in the Latin American manufacturing sector: trends and determinants

Document Number 14/11

By , , , , , , ,

This study concludes that competitiveness in the manufacturing sectors of most countries in Latam went down from 2007 to 2012, after relatively favourable progress in the period 2002-2007

Geographies:Latin America

Available in English