digital transformation

digital transformation latest publications

March 13, 2019

The Government’s digital transformation: yes, it’s big, but it will never be slow again

GovTech is every technocrat’s dream. The extraordinary technological transformation we have seen in sectors such as financial services and retail trade has also reached the public sector. In a surprisingly short time, all types of interaction between the State and its citizens will be different.

December 3, 2018

Employment and productivity in the digital age

Since the invention of the steam engine at the end of the eighteenth century, technological innovation has been the main source of growth in developed economies. In particular, it is the key reason why today’s average Spanish worker earns eight times as much as at the beginning of the twentieth century, for one third fewer …

September 3, 2018

Digital transformation, concentration of production, and monetary policy

The US Federal Reserve closed the summer with its famous annual symposium at Jackson Hole, where renowned economists delve into topics of key importance to monetary policy. The meeting addressed one of the growing concerns about digitisation, namely the ever greater concentration of economic activity in a small number of la…

August 6, 2018

Online financial products and Literary Realism

In talking about the current scenario of online sign-ups for financial products in Spain, we could refer to the lines of the poet Ramón de Campoamor, one of the exponents of Literary Realism: “it all depends on the colour / of the glass through which we look”.

January 8, 2018

Dear Wise Men

I understand that it is too late for the gifts to arrive on time for the 6th, but not all of them are needed tomorrow. I would like to ask you for a little help so that the global economic scenario of 2018 can end up looking like what we are hoping for: high levels of well-synchronised growth among the main geographical ar…

November 23, 2017

Digital transformation and employment

The effects of automation, artificial intelligence, big data and the internet of things on future employment and social wellbeing are full of uncertainty.

October 30, 2017

El Futuro de la Banca española y europea

En esta presentación se abordan tres puntos importantes: las palancas de cambio del negocio bancario, la transformación digital del sector financiero y los bancos del futuro y sus posibles escenarios.

October 24, 2017

Internacionalización y digitalización de las empresas de Castilla y León

Castilla y León tiene que elevar su crecimiento y hacerlo reduciendo los desequilibrios acumulados en el período anterior a la crisis. Estos retos pueden ser enfrentados a través del ya iniciado proceso de internacionalización y de la digitalización.