alert_servicealert_serviceENTER user_add user_add NEW USER

Forgot your password?


Stay logged in to leave
Publication date
From
To
x

Your space


Forgot your password?
x

Login to participate



Not registered yet? Register now
x
Make your search by entering the text:
Make your search for other criteria:
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

Catalog Icon

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

Catalog Icon

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

Catalog Icon

Digital identity: Who are we on the Net?

By

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

Catalog Icon

Digital Identity: the current state of affairs

Document Number 18/01

By ,

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

Catalog Icon

The power of digital ecosystems

By

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

Catalog Icon

Towards an artificial intelligence that is both controlled and ubiquitous

By

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

Catalog Icon

The amazing phenomenon of ICOs

By

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

Catalog Icon

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

Catalog Icon

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

Catalog Icon

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

By

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

Catalog Icon

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

Catalog Icon

New financial innovation policies in Europe

By

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.

Available in Spanish, English

Catalog Icon

Digital platforms: new challenges for public authorities

By

A considerable number of economic sectors, such as the content, passenger transport, retailing and short-stay industries, are undergoing a profound transformation as a result of the emergence of new companies that put providers and users of goods and services in direct contact with one another.

Available in Spanish, English

Catalog Icon

Towards a cashless world?

By ,

Various recent studies have explored the possibility of central banks issuing virtual currencies similar to Bitcoin to replace banknotes. Until now it has been technically impossible to create “digital cash” that is exchangeable anonymously among peers and without intermediaries, like banknotes.

Available in Spanish, English

Catalog Icon

Digital Economy Outlook - April 2017

By , , , ,

In this issue we will focus on: digital platforms: economic features and policy challenges; fostering a data-driven economy in the EU; licensing Fintech companies: authorities trying a balance between fostering innovation and financial stability; behavioural biometrics, a step further in digital identification; the governance of technology in the digital world

Available in Spanish, English