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Pablo Urbiola
Pablo Urbiola

Senior Economist

Pablo Urbiola is a Senior Economist at the Digital Regulation unit of BBVA Research. His work focuses on the analysis of the digital transformation of the financial sector and the implications for financial regulation and supervision.
 
Pablo holds a double degree in Economics and Journalism from the Carlos III University of Madrid and a Master of Science in Economics from the London School of Economics and Political Science.

Latest Publications

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Digital Economy Outlook. September 2017

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In this issue we will focus on: Banks and new digital players: is there a level playing field?; The paradox of the digital consumer: more demanding but less aware of his rights; PSD2 implementation: transposition deadline draws closer; Central Bank Digital Currencies (CBDC): challenging the financial system as we know it and; Financial innovation policies across the EU

Available in Spanish, English

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Digital platforms: new challenges for public authorities

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A considerable number of economic sectors, such as the content, passenger transport, retailing and short-stay industries, are undergoing a profound transformation as a result of the emergence of new companies that put providers and users of goods and services in direct contact with one another.

Available in Spanish, English

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Digital Economy Outlook - April 2017

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In this issue we will focus on: digital platforms: economic features and policy challenges; fostering a data-driven economy in the EU; licensing Fintech companies: authorities trying a balance between fostering innovation and financial stability; behavioural biometrics, a step further in digital identification; the governance of technology in the digital world

Available in Spanish, English

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Digital Economy Outlook. October 2016

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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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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 Economy Outlook. May 2016

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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

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Digital Economy Outlook. March 2016

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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

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Digital Economy Outlook. February 2016

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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

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Digital Economy Outlook. January 2016

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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

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Digital Economy Outlook. December 2015

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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

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Digital Economy Outlook. November 2015

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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

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Digital Economy Outlook. October 2015

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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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The digital transformation of the banking industry

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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

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Digital Economy Outlook. July-August 2015

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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