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img_publication Outlook

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

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1.Banks and new digital players: is there a level playing field?

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This article discusses the concept of a ‘level playing field’ between banks and new providers of financial services, analyses the existing asymmetries in the regulatory and supervisory framework, and proposes some lines of action to advance towards a more level playing field in digital financial services.



2.The paradox of the digital consumer: more demanding but less aware of his rights

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The digital environment has dramatically changed the way consumers and businesses interact, by allowing easier remote B2C transactions. The rise in the use of online channels has driven the market to an unprecedented business model shift. In financial services, the change had major implications. On the customer side, the move has implied certain risks for consumer rights.



3.PSD2 implementation: transposition deadline draws closer as access debate continues

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The deadline for transposition of PSD2 is now less than 6 months away. But with technical standards still under development and no pan-European consensus on how to meet the access to accounts requirements, many of the questions over how firms will comply and what the European payments market will look like in the future will continue well into 2018.



4.Central Bank Digital Currencies (CBDC): challenging the financial system as we know it

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Central Bank Digital Currencies have become a topic of debate not only in the academic field but also within national and supranational authorities that have set internal teams in order to analyze their potential implications. Although improbable in a short term, Distributed Ledgers allow for their existence in the future.



5.Financial innovation policies across the European Union: a new approach to foster FinTech

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The current economic environment is fast-changing and highly competitive. The ability to innovate becomes a necessity for leading financial institutions. Europe is aware of this and is introducing policies to enable innovation while keeping risks under control. One-stop-shops, Regulatory Sandboxes or regulatory adaptation are the tools used for this purpose.


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