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A new roadmap for European FinTech: Have we gone far enough?

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The European Commission has presented an Action Plan to promote innovation in the financial sector, setting the roadmap for fintech in Europe. Most initiatives are positive for the EU financial market, but more ambition is needed if Europe aims to become a global fintech hub.

Available in Spanish, English

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Central Bank Digital Currencies in LatAm

By , , , , ,

We identified the most relevant factors for the implementation of a CBDC in LatAm, under different designs. We concluded that the region could benefit more from the adoption of a CBDC than developed countries. However, the existence of costs associated with implementation casts uncertainty on where it will be adopted first.

Available in English

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Digital Economy Outlook. First quarter 2018

By , , , ,

In this issue we focus on: The framework for digital regulation in Latin America: How to balance innovation and safety?; Decentralized Applications (DApps): The building blocks of the future Internet; Instant payments; The cloud vs. mainframe conundrum; Enhancing Economic Empowerment through Financial Inclusion.

Available in Spanish, English

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Digital Identity: the current state of affairs

Document Number 18/01

By ,

In a world where the rise in the use of the Internet is increasing exponentially, the ability to prove your identity is crucial for the economic, financial and social development. Individuals and companies need identity solutions valid across different services, markets, standards and technologies.

Available in English

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Digital Economy Outlook. December 2017

By , , , , , ,

In this issue we will focus on: Digital markets: challenges for competition policy; Initial Coin Offerings (ICOs) ): investment in crypto tokens: fad, madness or vision?; Towards a new digital identity: identification systems and digital environment; Fintech: implications for regulation and supervision; and Artificial Intelligence: a Policy Approach.

Available in Spanish, English

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Central Bank Digital Currencies: a new challenge for banking

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CBDCs are Central Bank-issued instruments that combine cryptography and DLTs to achieve four possible goals: improve interbank settlement, digitize cash to improve efficiency in payments, develop a new monetary policy tool to overcome zero-bound interest rates and increase surveillance and reduce financial system instability.

Available in English

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Fintech: key regulatory challenges

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Transformations in banking as a result of the new digital age are challenging financial regulation and supervision. Benefits and risks from the transformation of financial services. The European Banking Authority’s approach to FinTech. Among other issues.

Available in English

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U.S. | Weekly podcast: blockchain and consumer credit

By ,

Weekly economic update focusing on the major economic indicators to be released the week of November 6, 2017. Special topic: the future of blockchain

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Digital Economy Outlook. September 2017

By , , , ,

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 Economy Outlook - April 2017

By , , , ,

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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U.S. | Fintech for Boomers: Follow the money

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Baby Boomers present greatest mobile banking growth, spending power, and asset ownership in the short-to-medium term. Given inefficiencies of Social Security program and high debt, retirement planning technology is attractive to Boomers. Companies offering prevention of elder financial abuse will benefit from greater customer trust.

Available in Spanish, English

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Central Bank Digital Currencies: assessing implementation possibilities and impacts

Document Number 17/04

By , , , ,

Following advances in the distributed ledger technology, central banks are assessing the issuance of digital currency. There's a range of possible schemes to adopt depending on which features of cash to hold: universality, anonymity and non-yield bearing. We analyze opportunities and challenges of 4 key schemes, that support a strategy of gradual testing and implementation

Available in Spanish, English

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Digital Economy Outlook. January 2017

By , , , , ,

In this issue we will focus on: Algorithms challenge the banking industry; Does blockchain fit into current legal frameworks?; Turning the spotlight on shadow banking: pros and cons of the darkness and; The Internet of Things and digital banking

Available in Spanish, English

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Blockchain in financial services: Regulatory landscape and future challenges

Document Number 16/20

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Distributed ledger technologies (DLTs), including blockchains, are increasingly getting a massive interest from established industries. The interest is especially strong among financial services firms, which are starting to see DLTs as a potential driver of huge savings in infrastructure and back-office processes.

Available in English

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Infographics | Protection of Customers´ Funds in Electronic Money

By ,

Like all financial services, electronic money presents risks that need to be addressed. National regulatory efforts have followed a myriad of approaches to ensure that customers (i) are effectively protected against loss of their funds in the event of insolvency of the issuer (insolvency risk) and (ii) are able to access their funds upon demand (liquidity risk).

Available in Spanish, English

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