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This report evaluates the state of R&D in Spain and anaylzes the factors that hinder innovation. The implementation of the necessary reforms is essential for Spain to achieve its R&D objectives and increase its potential growth.

The BIS, the ECB and the BoJ have published guidelines on the development of potential digital currencies. Monetary authorities are wary of a foreign—or poorly regulated—digital currency suddenly dominating the domestic means of payment. A CBDC would be one of the possible solutions to confront such a threat.

After a meteoric rise to top the list of the world's most valuable firms, the tech giants are coming under increasing pressure. Their great economic clout and the potential negative impact on competition and innovation mean they find themselves…

La digitalización está cambiando la industria financiera, estamos viviendo una etapa de disrupción: la “cuarta revolución industrial”. La regulación y la supervisión enfrentan nuevos desafíos en la era digital, ¿cuáles?