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June 7, 2021

Global | Digital currencies: progress with care

Digital money has been around for some time: the deposits we hold in banks, and in turn the reserves banks hold in central banks, consist of money that for decades has been registered and operated digitally. However, some concern has now arisen about the so-called "digital currencies".

April 1, 2021

Peru | Real-time analysis of the impact of COVID-19 on consumption (up to March 29)

In March, total card consumption grew 86.3% YoY, this is explained by a low comparison base (in the second half of March 2020, mobility restrictions began due to the beginning of the pandemic).
  • Geography Tags
  • Peru

January 15, 2021

Global | The COVID-19 impact on Consumption in Real Time and High Definition: Jan 15th

The COVID-19 impact on consumption was much more intense during the first wave than in the rest of the year 2020. By sector of activity, the impact of Covid-19 has been heterogeneus too. Food and health was the most beneffited ones and tourism related sectors the most damaged.

December 10, 2019

Peru | Retail Outlook 2019

We estimate that retail sales' growth rate in 2020 will be similar to that of this year. Looking forward, factors such as the demographic boon, higher household purchasing power and the continued growth of online shopping, suggest that retail sales have space to continue growing.
  • Geography Tags
  • Peru

May 13, 2019

Colombia | Digital environment of Colombian companies

An analysis of use and access of the tools for the digital era in Colombian companies, such as: electronic devices, Internet, electronic commerce, large volumes of information, among others. We analize variables that define the adoption and penetration in the company as size and economic sector

December 27, 2018

Patterns of domestic and cross-border e-commerce in Spain: A gravitational model approach

This paper presents econometric evidence on the determinants of domestic and cross-border e-commerce in Spain based on BBVA anonymised data. The paper applies the gravity model of trade to explain online credit card payment flows, using all private customer transactions of BBVA for Spain.

December 26, 2017

Technology lets consumers take the initiative

The changes in spending patterns that have come about in the past twenty years confirm that digital information and communication technology has now become an integral part of consumer behaviour. Irrespective of age, income, sex or any other demographic or socioeconomic characteristic, today’s consumers are highly connected.