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August 15, 2024
This note provides some elements to describe how digitalization (through the Internet) contributes to financial inclusion to access and use formal financial services (digital financial inclusion), focusing mainly on savings and credit products.
August 3, 2022
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 old.
May 23, 2017
El número de usuarios de banca electrónica en España aumentó el 64,5% desde 2010 hasta rozar los 15 millones personas en 2016. El objetivo de este Observatorio es conocer los determinantes de que un individuo acceda a la banca digital y arrojar luz sobre los factores que incentivan la contratación de un producto financiero a través de Internet.
September 26, 2016
A working paper by the Foundation for Financial Studies titled "The change in the business model of banking" was published recently. It includes the opinions expressed during a debate by experts in the sector who agreed on the substance: various trends are forcing banking to change and only those banks that understand this reality will be able to adapt to the new era.
July 5, 2016
The internet and mobile phone penetration are taking giant steps forwards. The conditions of demand and supply are such that the internet and digital banking use will continue to grow. We estimate that over the next 10 years the number of users of digital banking will rise from 1.9 to 15.6 million people, reaching a coverage of 13.5 % of the total population.
April 26, 2016
January 25, 2016
The creation of neologisms is one of the consequences of the digital transformation, given the need to refer to the new concepts and structures arising as the fruit of innovation. The financial services sector is no stranger to this trend. One of the latest additions is that of the "neobanks" - but what are they and what do they offer that traditional banking does not?
January 18, 2016
In this issue we focus on: EU Digital Regulation Agenda: leveraging digital technologies to strengthen the Single Market; Digital onboarding of financial services: electronic identity as a key element; Internet usage in Spain: generational approach; Update on a European instant payment scheme based on credit transfers ; and Neobanks: creating a digital bank from scratch
October 5, 2015
This month we focus on: Single Retail Financial Market, Basel III monitoring report, New European framework for securitisation, Internal Capital Adequacy Assessment Process, Liquidity in financial markets, Debt Subordination in Europe and Data Protection Regulation
