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Fintech latest publications

August 12, 2019

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

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

May 16, 2018

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

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.

December 13, 2017

Digital Economy Outlook. 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 Intel…

October 9, 2017

Financial Regulation Outlook. Fourth quarter 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.

September 7, 2017

Digital Economy Outlook. 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 an…

August 28, 2017

New financial innovation policies in Europe

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.

August 16, 2017

Hacia un terreno de juego equitativo en el ecosistema financiero digital

¿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.

August 9, 2017

Regulación digital. La experiencia europea

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.