Vanesa Casadas belongs to the macroeconomics team of BBVA Research since 2020.She joined BBVA in 2010 and, formerly, she developed her career in the Innovation and Digital Banking areas and, more recently, to the Public Affairs teams of BBVA. Prior to BBVA, she worked at CNIO and Cushman and Wakefield.She holds a degree in Political Science, specializing in International Relations by the Universidad Complutense de Madrid and Master in Economics and Management of Innovation by the Universidad Autónoma de Madrid.
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
The importance of financial innovation is increasing in the eyes of the authorities and the media. This is due to the fact that new banking services that are emerging with the entry of new firms into the markets. However, it can also signal the appearance of new areas of risk, requiring closer supervision by the authorities.
Consumer loans have been around for a long time, but the digital economy is transforming the way customers obtain loans in order to meet their new needs.