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Digital Regulation and Trends
Álvaro Martín
Lead Economist
The Digital Regulation and Trends unit, led by Álvaro Martín, analyses the impact of financial regulation on the sector’s digital products, services and processes, as well as the new areas of non-financial regulation that banks will have to face in their process of digital transformation. To this end, the unit monitors the main technological and market trends in the financial sector and contributes to the debate about the creation of balanced regulatory frameworks that will ensure financial stability, consumer protection and innovation.

Latest Publications

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Purchasing financial products online in Spain

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Purchasing financial products online is modest in Spain: only 9.8% of Internet users buy some financial product through Internet. Industry challenges in this context are conditioned by (digital) customer confidence, data usage awareness and transparency of information.

Available in Spanish, English

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Data Protection: new rights and more responsibilities

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The General Data Protection Regulation (GDPR), which comes into force today, aims to harmonise and reinforce the legal framework of personal data protection in Europe. It is an update of the previous Directive of 1995, which had become clearly obsolete as a result of the rapid development of the new technologies.

Available in Spanish, English

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

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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.

Available in Spanish, English

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More ambition for the European Fintech

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Fintech refers to the application of new technologies to financial services. Although the term is often used narrowly to refer to start-ups, the fact is that financial institutions and major technology companies also form an active part of the digital transformation of financial services.

Available in Spanish, English

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Infographic Digital Economy Outlook. First quarter 2018

By , , , ,

In this issue we focus on: The framework for digital regulation in Latin America: How to balance innovation and safety?; Decentralized Applications (DApps): The building blocks of the future Internet; Instant payments; The cloud vs. mainframe conundrum; Enhancing Economic Empowerment through Financial Inclusion.

Available in Spanish, English

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Digital Economy Outlook. First quarter 2018

By , , , ,

In this issue we focus on: The framework for digital regulation in Latin America: How to balance innovation and safety?; Decentralized Applications (DApps): The building blocks of the future Internet; Instant payments; The cloud vs. mainframe conundrum; Enhancing Economic Empowerment through Financial Inclusion.

Available in Spanish, English

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Digital identity: Who are we on the Net?

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The ability to prove that you are who you say you are is a cornerstone of economic and social development, because it allows us access to basic public and private services, such as health, education and financial services... According to the World Bank, there are some 1.1 billion people in the world who cannot prove their identity, i.e. 14% of the entire population.

Available in Spanish, English

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Digital Identity: the current state of affairs

Document Number 18/01

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In a world where the rise in the use of the Internet is increasing exponentially, the ability to prove your identity is crucial for the economic, financial and social development. Individuals and companies need identity solutions valid across different services, markets, standards and technologies.

Available in English

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The power of digital ecosystems

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In just a few years the big technology companies have gone from being admired for their constant innovation, offering us new products and services, to being labelled as dangerous all-powerful giants. In the recent Davos forum, without more ado, George Soros accused Facebook and Google of being “obstacles to innovation” and a “menace to democracy”.

Available in Spanish, English

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Towards an artificial intelligence that is both controlled and ubiquitous

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It is quite some time now since the term artificial intelligence (AI) broke free of the confines of science fiction and became part of current IT vocabulary. Indeed authorities and personalities as well-known as Leon Musk and Mark Zuckerberg frequently opine on the implications of this technology.

Available in Spanish, English

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The amazing phenomenon of ICOs

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Initial Coin Offerings, or ICOs, constitute a new financing method for start-ups specialising in blockchain technology. It consists in the sale to investors of a percentage of their own cryptographic tokens issued by the company, normally in exchange for cryptocurrencies such as bitcoin or ether.

Available in Spanish, English

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Infographic Digital Economy Outlook. December 2017

By , , , , , ,

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.

Available in Spanish, English

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Digital Economy Outlook. December 2017

By , , , , , ,

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.

Available in Spanish, English

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Central banks-issued digital currencies: a challenge to the financial system

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Digital currencies, and more specifically, the so-called cryptocurrencies (currencies issued and administered by decentralised networks using cryptographic protocols), such as Bitcoin, first emerged almost a decade ago.

Available in Spanish, English

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Digital Economy Outlook. September 2017

By , , , ,

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

Available in Spanish, English