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Digital Regulation

Digital Regulation latest publications

July 2, 2019

The digitalization of money

Continuous innovation and the gradual decline of the use of cash are giving way to a new digital monetary system. Central banks must define the new role they will play coming out of this transformation.

April 2, 2019

DiGiX 2018: A Multidimensional Index of Digitization

DiGiX is a composite index that measures the degree of digitization in 99 countries around the world. It classifies information into three broad categories, supply conditions, demand conditions, and institutional environment.

March 7, 2019

Central Bank digital currencies: features, options, pros and cons

The emergence of cryptocurrencies is opening the way to Central Bank Digital Currencies (CBDCs). This paper highlights the pros and cons of issuing CBDCs under four different variants: from the more modest proposals to the most ambitious ones where there could be a serious disruption in financial intermediation.

January 14, 2019

Digital transformation and competition in the financial sector

Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.

January 3, 2019

Digital transformation and competition in the financial sector

Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.

January 2, 2019

Financial Resilience of Brazilian Households

Many individuals and households experience moments of financial difficulty, prompted either by a personal shock, such as losing a job, or an economy-wide shock, such as a recession. Financial resilience is key for consumer welfare and the formal financial system plays an important role.

November 14, 2018

Between health care and finance: Knowledge of customers’ financial situation

Thanks to the digital revolution, microdata will give us detailed information about customers' financial situations, as is already the case for a patient’s health in the Healthcare System. This will be the cornerstone on which the new ways of understanding Financial Inclusion are based.

October 25, 2018

Self-regulation in data protection

After all the data breaches that companies have suffered in the past few months, businesses need to focus on regaining consumer trust in order to be able to keep collecting data, which is imperative for technological advances.