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August 31, 2021
Mexico | Significant gaps to settle in digital financial inclusion
ICTs have become an important tool for our life. The access and use of ICTs at the national level has made progress. In 2020, 75.5% of the population aged six years and over was a cell phone user, which represented an increase of 4 percentage points compared to users in 2015.
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May 31, 2021
Mexico | Cash vs. Card Consumption Patterns: A Machine Learning Approach
We offer a novel methodology combining high frequency card transaction data from BBVA and point-of-sale data from cash operations registered at convenience stores from Frogtek by Clarity AI to study changes in consumption patterns relative to variations in income, including changes in items consumed and payment channel.
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December 27, 2018
Patterns of domestic and cross-border e-commerce in Spain: A gravitational model approach
This paper presents econometric evidence on the determinants of domestic and cross-border e-commerce in Spain based on BBVA anonymised data. The paper applies the gravity model of trade to explain online credit card payment flows, using all private customer transactions of BBVA for Spain.
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March 15, 2018
Measurement of retail trade with card transaction data
We present a high-dimensional Retail Trade Index (RTI) created to publicise the economic performance of the retail sector in Spain, using big data sources and techniques. The data are the footprints of BBVA customers based on their credit or debit card transactions at point-of-sale (POS) terminals in Spain.
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March 13, 2018
Digital Economy Outlook. First quarter 2018
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.
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July 15, 2014
New players in digital banking
Major innovations in the financial world are coming directly through non-bank players that were born a few years ago, moving in a digital environment and presenting value propositions that bypass the strict regulation that has traditional banking.
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April 15, 2014
The new European framework for Payment Services
On 24 July 2013, the European Commission presented a Payment Services Directive proposal (PSD2) which updates the current Directive (PSD1) , in force since 2007. It also provides new regulation on interchange fees
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