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Mobile banking represents a turning point in traditional banking and a new paradigm for the financial system. The study seeks to show the most current statistics regarding the main trends in access, having and use of this technology and to offer some perspectives in the years to come.

Depending on how Spain manages, regulates, governs, and adapts to digital disruption, it will be able to take advantage of its opportunities to become a more prosperous and productive society, with more and better jobs, and less inequality.

In this publication you will find, on a weekly basis, our selection of the most relevant news regarding financial regulation.

In the urgency of transforming the world into a more sustainable place, the process of digitalization of the economy must be established in a sound and homogeneous way. BBVA Research's DiGiX index depicts the digital frontiers defined by the di…

In the current global socio-economic context, and especially after the COVID-19 crisis, digitization and sustainability have become key elements of economic and social transformation, being particularly relevant to understand and analyze how bo…

This presentation describes the state of the global decarbonization process, summarizes the impact of GHG emission reduction policies and focuses on Europe and the effect of the complex geopolitical scenario.

The actual socioeconomic context has reinforced and accelerated a number of global trends, in particular sustainability and digitalization, two of the most disruptive. The empirical study conducted by BBVA Research suggests that an inverted U-shaped relationship exists between digitalization and CO2 emissions.

NFTs, ETFs, AI, VR, Web3, CBDCs, BEPS, NGEU... 2022 brings an alphabet soup for a slew of digital aims and strategies that come full of promise. Whether they take off or not will depend on moving forward steadily, with a focus on asking the rig…

In 2015, 54% of the population had basic or advanced digital skills in Spain, compared to 57% in the EMU. Four years later, the figure reached 57%, one percentage point less than in the wider EMU. From 2019 to 2020, the figure in Spain rose to …

Spain is among the eurozone countries with the lowest productivity and least investment in intangibles. In the future, it must make use of digitization and NGEU funds to increase intangible assets, particularly R&D and training of human capital…

Digitization has boosted productivity but the impact has been heterogeneous by country. Those with more intangible assets exhibit more sustainable growth. Spain should take advantage of the digital impulse and the NGEU funds to increase the capital in intangibles and to improve productivity levels.

We analyze the motivations of the PBoC to promote CBDC, how we define it and how it is going to operate. We also discuss some special characteristics of e-CNY and its potential risks on financial stability etc.