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May 23, 2017

Determinantes de la adopción de la banca digital en España

El número de usuarios de banca electrónica en España aumentó el 64,5% desde 2010 hasta rozar los 15 millones personas en 2016. El objetivo de este Observatorio es conocer los determinantes de que un individuo acceda a la banca digital y arrojar luz sobre los factores que incentivan la contratación de un producto financiero …

September 26, 2016

Banking is changing

A working paper by the Foundation for Financial Studies titled "The change in the business model of banking" was published recently. It includes the opinions expressed during a debate by experts in the sector who agreed on the substance: various trends are forcing banking to change and only those banks that understand this …

July 5, 2016

Colombia | Determinants and Prospects of Internet and Digital Banking Use

The internet and mobile phone penetration are taking giant steps forwards. The conditions of demand and supply are such that the internet and digital banking use will continue to grow. We estimate that over the next 10 years the number of users of digital banking will rise from 1.9 to 15.6 million people, reaching a coverag…

January 25, 2016

Neobanks: rethinking financial services

The creation of neologisms is one of the consequences of the digital transformation, given the need to refer to the new concepts and structures arising as the fruit of innovation. The financial services sector is no stranger to this trend. One of the latest additions is that of the "neobanks" - but what are they and what do…

January 18, 2016

Digital Economy Outlook. January 2016

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…

October 5, 2015

Financial Regulation Outlook. October 2015

This month we focus on: Single Retail Financial Market, Basel III monitoring report, New European framework for securitisation, Internal Capital Adequacy Assessment Process, Liquidity in financial markets, Debt Subordination in Europe and Data Protection Regulation

August 3, 2015

Digital Economy Outlook. July-August 2015

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.