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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.

August 28, 2017

New financial innovation policies in Europe

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.

May 5, 2014

Peru: Financial Inclusion Status in Households

In this note, we focus on the determinants of FI for Peruvian households.

December 4, 2013

Factores de demanda que influyen en la Inclusión Financiera en México: Análisis de las barreras a partir de la ENIF

Análisis de los factores socioeconómicos que, desde el punto de vista de la demanda individual, influyen en la decisión de no usar los servicios financieros formales de ahorro o crédito en México

July 12, 2012

The Adoption Process of Payment Cards -An Agent- Based Approach

We investigate the payment adoption rate under consumers’ and merchants’ awareness of network externalities, given two levels of Interchange Fees in a multi-agent card market