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With data as of October, our high-frequency indicator to measure household consumption in Colombia continues to show a decelerating trend. The moderation in spending was observed in both goods and services and was deepened by the high statistical base of the October 2021 VAT-free day.
AI is a set of techniques to perform activities which have required human intelligence until now. Despite being in its infancy, it’s proving to be of great interest to researchers, companies and governments around the world. We explore its current main uses, barriers and overall degree of adoption by Spanish companies.
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…
We presented the results of a Randomized Control Test (RCT) to people who received nudges through SMS in order to promote financial health variables. The target population was about 95,000 people in two age groups: 27 to 38 and 39 to 56 years o…
Scarcity raises the price of a good. This economic law has been drummed into us as a result of the numerous booms and slumps that have molded our societies over the centuries.
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.
With the aim of advancing the regulation and orderly development of the use of cryptoassets, President Biden has asked various federal agencies to study those markets in order to ensure comprehensive and coordinated action.
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 …
The trends that will determine consumption are: a more digital environment (consumer-banking-commerce), a heterogeneous income recovery, lower savings, more stable weekday spending, greater importance of regions and intermediate cities, and a g…
The percentage of the population that has at least basic digital skills is lower in Spain than in the EMU as a whole and fell between 2015 and 2019. Although it rose in 2020 to 60% (65% of Internet users), it is far of the 80% target established in the 2025 Digital Agenda.
How would a digital euro work? What value would it bring when today I can already pay/charge for everything using my mobile, apps and favorite sites? Would it entail risks? So far these simple questions have not met straightforward answers, but they have sparked an extensive economic, political and technological debate.
