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In 2023, the average unemployment rate was 10.2% at the national level, decreasing by one percentage point with respect to 2022. Thus, labor variables showed resilience in a context of deceleration. However, by the end of the year, since September, a deterioration in the labor market to be monitored in 2024, was seen.

According to the BBVA Big Data Consumption Tracker, in December, the real annual variation in consumption was 5.1%, moderating compared to November. At the seasonally adjusted level, there was a monthly contraction of 0.6%.

Transferring money or making a payment should be as easy as moving money from one pocket to another, without the hassles and risks of cash. The Colombian authorities and in particular the central bank have been working on a new payment system t…

Mobile banking represents a turning point in traditional banking and a new paradigm for the financial system. The study seeks to show the most current statistics regarding the main trends in access, having and use of this technology and to offe…

In the third quarter, the current account deficit continued to narrow and reached 1.68 billion dollars, representing 1.7% of GDP. Nevertheless, the reasons for this closing are not as good as others: they respond to the process of contraction t…

Depending on how Spain manages, regulates, governs, and adapts to digital disruption, it will be able to take advantage of its opportunities to become a more prosperous and productive society, with more and better jobs, and less inequality.

There are challenges in telecommunications infrastructure and financial education for mobile banking to have a greater influence on the access and use of financial services.

According to the BBVA Big Data Consumption Tracker, household spending grew 4.9% in real annual terms in January. Spending on services, led the performance with a 12.1% real annual increase. On the other hand, spending on goods slowed down furt…

In December, consumption growth reached a real annual variation of 3.8%, higher than the 2.3% reported in November, with an acceleration in both goods and services. Goods contracted by 4.2% and services grew by 7.7%. Spending performance trendi…

In November, our real-time indicator for household consumption behavior fell 2.3% YoY in real terms. The slowdown is generalized by type of goods and services and by city. At the end of the month, some disccount sales boosted electronic purchas…

With data as of October, our high-frequency indicator to measure household consumption in Colombia continues to show a decelerating trend. The moderation in spending was observed in both goods and services and was deepened by the high statistical base of the October 2021 VAT-free day.

AI is a set of techniques to perform activities which have required human intelligence until now. Despite being in its infancy, it’s proving to be of great interest to researchers, companies and governments around the world. We explore its current main uses, barriers and overall degree of adoption by Spanish companies.