Publications

Here are all of our publications listed chronologically. You can also find the publications relating to single geography under “Publications by geography” or narrow down your search using the “Advanced filter”.

Latest publications on Fintech

Open Finance: regulation, innovation and competition

13 September 2023

The CNBV has made public its plans to issue the pending rules on Open Banking before year end, crucially those relating to "transactional data" which constitute the core of the Open Finance framework.

Big Data techniques used

What do the media and social networks tell us about the fintech phenomenon?

12 August 2019

Digital transformation and technological advances have drastically changed the way in which consumers and businesses interact.

A new roadmap for European FinTech: Have we gone far enough?

16 May 2018

The European Commission has presented an Action Plan to promote innovation in the financial sector, setting the roadmap for fintech in Europe. Most initiatives are positive for the EU financial market, but more ambition is needed if Europe aims to become a global fintech hub.

Digital Economy Outlook. December 2017

13 December 2017

In this issue we will focus on: Digital markets: challenges for competition policy; Initial Coin Offerings (ICOs) ): investment in crypto tokens: fad, madness or vision?; Towards a new digital identity: identification systems and digital environment; Fintech: implications for regulation and supervision; and Artificial Intelligence: a Policy Approach.

Financial Regulation Outlook. Fourth quarter 2017

9 October 2017

Future trends in European banking regulation. Global regulatory framework. CRD V: state of play. Banking Union: barriers and other issues. European initiatives on NPLs. Resolution: lessons learned. CCPs in the post-Brexit era. Fintech keeps climbing up the political agenda.

Digital Economy Outlook. September 2017

7 September 2017

In this issue we will focus on: Banks and new digital players: is there a level playing field?; The paradox of the digital consumer: more demanding but less aware of his rights; PSD2 implementation: transposition deadline draws closer; Central Bank Digital Currencies (CBDC): challenging the financial system as we know it and; Financial innovation policies across the EU

New financial innovation policies in Europe

28 August 2017

The importance of financial innovation is increasing in the eyes of the authorities and the media. This is due to the fact that new banking services that are emerging with the entry of new firms into the markets. However, it can also signal the appearance of new areas of risk, requiring closer supervision by the authorities.

Hacia un terreno de juego equitativo en el ecosistema financiero digital

16 August 2017

¿Quiénes son los nuevos competidores? ¿Qué entendemos por igualdad de condiciones entre bancos y otros proveedores no bancarios? Algunos ejemplos de asimetrías en el marco regulatorio europeo y cómo reducirlas.

Regulación digital. La experiencia europea

9 August 2017

Los bancos necesitan mejorar su rentabilidad y responder a nuevas demandas en un entorno más complejo. ¿Qué entendemos por regulación digital y por qué es relevante? Nos acercamos a esta realidad en el ámbito europeo.

Fintech in Emerging ASEAN: Trends and Prospects

17 July 2017

Growth of emerging ASEAN, chiefly Indonesia & Philippines, is underpinned by improving demographic dividend and rapid urbanization. ASEAN banks benefit from adequate capital buffers and manageable asset quality concerns. ASEAN banks profitability trends are stabilizing post contraction over the past three years.

Financial Regulation Outlook. Third Quarter 2017

14 July 2017

Reflection on the future of the Economic and Monetary Union. Reviewing the G-SIBs framework. Improving the supervisory regime. Assessment of the regulatory framework. CMU mid-term revision. US Treasury report. Fostering financial innovation and Resolution: At the moment of truth.

U.S. | Fintech for Boomers: Follow the money

3 April 2017

Baby Boomers present greatest mobile banking growth, spending power, and asset ownership in the short-to-medium term. Given inefficiencies of Social Security program and high debt, retirement planning technology is attractive to Boomers. Companies offering prevention of elder financial abuse will benefit from greater customer trust.

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