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New CEPS-ECRI Task Force, 14 September 2016 "The Future of Retail Financial Services: What policy mix for a balanced digital transformation?" - registration now open!
Join the ECRI Conference on "How strong should customer authentication be?" on 10 February at CEPS, with speakers from VISA, EBA, European Commission and BEUC.
Three approaches will be adopted during the third meeting:
-Firstly, a digital approach will focus on the current and forthcoming developments of retail digital banking and will provide some insight on the expected impact of the eIDAS Regulation on digital banking.
-Secondly, analyses will be conducted on the new business models of the consumer credit market (in relation notably to digital banking), with a specific focus on peer-to-peer lending and crowdfunding.
-Finally, a focus will be placed on new practices in terms of consumption credit.
The agenda of the meeting is available here.
Three approaches will be adopted during the second meeting:
-Firstly, an overall approach will be followed by analysing some general topics such as the long-term developments of the consumer credit market and the philosophy to adopt regarding the integration process of household finance and consumer credit.
-Secondly, analyses will be conducted on the current and potential future EU regulations related to the financial products available on the consumer credit market, with a special emphasis on revolving loans.
-Finally, a focus will be made on consumer protection issues, the psychology of borrowing and the policy implications.
The agenda is available here.
ECRI/CEPS Event - Transaction Banking: Preserving the link between finance and the real economy (5 December 2013)
Transaction banking is a building block for commerce, global trade and the real economy in general. While the sector has not been singled out for special regulatory attention due to its low risk profile, various pieces of regulation are expected to influence its functioning and present new challenges and opportunities. In addition to new liquidity rules, most importantly set up by Basel III, transaction banking operators have to tackle new differences between jurisdictions as national governments are setting out country-specific requirements.
ECRI and CEPS hosted a conference on lending to households after the crisis to assess how the current policy initiatives and regulatory developments meet the challenges of the new market environment and what should be looked upon in the future.